davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (GA)

I never had a XXXX card and did not answer to be listed as an authorized user on any XXXX credit account. XXXX is reporting an account that I am not responsible for and never knew I was added as an authorized user. I did not give XXXX my consent to add my name to any XXXX card as an authorized user. Please remove this account from all every last credit bureau. If account is not removed I will file charges and a law suit against each and every credit bureau and XXXX department store. There is a XXXX account showing a balance over {$3000.00} dollars this is not my account never was my account and I was never asked to be put on this account as a authorized user remove immediately
Consumer complaint received 2023-12-13
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. (TX)

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.

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 2021-04-26
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: Block, Inc. (NV)

I'm reached out to cadhapp sinceXX/XX/2020, they have not resolved my situation after they said they will work with my bank & have not resolved anything
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (PA)

I am experiencing financial hardship and enrolled in the XXXX XXXX with Concora Credit on or about XX/XX/year>. This program reduces my APR to 0 % and minimum payments to {$10.00} monthly. 

When enrolling with a representative, I specifically asked about credit reporting to prevent further delinquency, and was advised that an initial payment of {$30.00} would bring my account current within 2 business days. I made the {$30.00} payment on XX/XX/year>. 

My account was not brought current until XX/XX/year>, which resulted in a XXXX delinquency reported to the credit bureaus in XX/XX/year>. As a note, I called Concora after receiving notification of the delinquency, advised of the discussion when enrolling into the workout program, and requested both my account to be brought current and the delinquency to be removed. The account was brought current from my inquiry, but the credit reporting was not updated. 

I believe the delinquency is inaccurate, and as I previously advised Concora of this, they have violated FCRA. I also believe Concora has violated UDAAP, because I took specific action based on information provided and was caused significant harm.
Consumer complaint received 2023-12-13
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. (LA)

RQUESTED DOCUMENTATION SHOWING PROOF THAT THE XXXX ACCOUNTS BELONG TO ME. I WAS NEVER PROVIDED THE NECCESSARY INFORMATION PROVING THESE ACCOUNTS BELONG TO ME. EVEN AFTER BEING NOTIFIED THEY CONTINUE TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-12-13
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. (NH)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, 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
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I had identity theft and I reported it to the police on XX/XX/2023, I sent this information to the credit bureaus together with my identification and they tell me that they did not receive this information, only the letter, which is not correct. 

I demand that my consumer rights be enforced and that my case be investigated since I do not want to wait any longer. 

Thank you
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (AR)

Account number XXXX AvantLLC/XXXX XXXX Is reporting false information on my credit report showing I have a balance of XXXX this account was added to my XXXX XXXX and was discharged on the bankruptcy rules and regulation, all accounts are supposed to show a XXXX balance. I have reached out to this creditor several times.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (LA)

XXXX  XXXX debt, was charged off in XXXX XXXX XXXX, However collection company has called several times. I inform them to provide information pertain to debt in writing. To Please stop Calling Me, Never recieved the information i requested, I continue to get text message regarding that debt from debt collectors. The name of the collection agency is MRS BPO, PHONE # XXXX. The message are coming constantly beginning around XXXX, XXXX, XXXX, up until now. My rights have been violated. I never Provide written consent to furnish or obtain my personal information. The debt was XXXX.
Consumer complaint received 2023-12-13
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. (AL)

I continue to have a problem with Transunion reporting Public records that I DO NOT have and at this point they are now defaming my character, CAUSING MENTAL ANGUISH, STRESS as well as VIOLATING the FCRA compliance and accuracy laws.

Per the TRANSUNION website it clearly states the following Public Records Important information about public record item ( s ) on TransUnion Credit Reports TransUnion reports public record items from local, state and federal courts and other public record sources. If your TransUnion credit report contains a public record item, you may be required to explain it to potential creditors, employers and insurers. Generally, TransUnion retains third-party vendors to collect this public record information and transmit it to TransUnion for inclusion on consumer credit reports. website Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, as a result of our implementation of enhanced standards for the collection and timely updating of public record data included in consumer credit reports as part of the National Consumer Assistance Plan ( NCAP ) and as part of a lawsuit settlement, TransUnion agreed to stop reporting civil judgments, state tax liens and federal tax liens on credit reports and will not resume reporting these public record items on credit reports until XX/XX/XXXX, at the earliest. TransUnion continues to report bankruptcy public records on credit reports. For bankruptcy public records collected through XX/XX/XXXX, TransUnion obtained information about your bankruptcy from third-party vendor, XXXX. XXXX may be contacted using the information provided below. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX https : //transunionconsumers.lexisnexis.com/ SO why is it that they are telling me they verified these public records through the COURT this is false, misleading information and I have provided proof that it was not verified through the COURT NOR XXXX take this off my report IMMEDIATELY!!!! I also have additional documents from XXXX from another compliant I filed after Transunion repeatedly stated this is verified and I will seek legal litigation if this is not deleted!!!
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

There is no human being to talk to. You have to contact customer service through the app, but since I did not create or authorize this account, I do not have the log in information and are unable to contact the company to report that this account was created fraudulently by someone else.
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX, XXXX 2021 all of my money was transferred from my bank account to my cash app. My money was then sent from my cash app account to a cash tag XXXX XXXX. The amount of money that was transferred from my bank account to cash app was {$3200.00}. First {$10.00} was sent and then {$1000.00} 3x and then {$280.00}. I wasnt aware of this until the following morning which was XX/XX/XXXX. Cash app doesnt have a phone number so there wasnt anyone to call. I immediately tried to request a stop on the funds being transferred and I also called my bank to dispute the charges. My bank account was wiped clean. A few days later I received an email from cash app saying that it was my device that the transaction was done from. This is absolutely impossible. Im explaining to them that I didnt do it. I even asked them if this cash tag had any other fraud claims and they wouldnt disclose the information. I asked for a corporate number and they said they dont have any number for consumers to call. They also told me that they wont not email me back anymore about the same dispute the decision was final. Cash app then told my bank the same exact thing. So Im out of {$3200.00} because it was sent to some mysterious cash tag that Cashapp is protecting. I honestly think cash app is scamming people and taking their money because theres no way this should have been handled so carelessly.
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CT)

XXXX XXXX  has continued to resell fraudulent debt dating back to 2017 to various collection companies and continues although the debt is fraud and every debt collector has received all my police reports over and over again. I just received a letter stating debt was sold to resurgent who also has circled back around. I just don't understand how this is allowed. This company really should be fined for violating consumer rights. I get notified daily on my credit and accounts added. Addresses wrong etc. The cycle continues to repeat itself.
Consumer complaint received 2023-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

There is 1 alleged debt under my name and credit report with Midland Credit Management. Since the first alleged debt was bought by Midland Credit Management over 4 years ago. I have Requested NUMEROUS times ( via mail, phone ) on all 3 alleged debts that they validate, verify and provide me with the original purchase agreement baring my signature. They have failed to furnish and have ignored my requests for any sort of validation, verification, original purchase agreement or any documentation supporting their claim. Even after that, I have filed several disputes with all 3 credit reporting agencies and in each dispute they have illegal modified what they are reporting to the credit reporting agencies to work in their favor of the disputes. They have not followed FCRA, Violated the law, and have violated my rights as a consumer. Their failure to adhere to the law and the FCRA has caused me great financial harm and difficulties.
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (SC)

I user Chase 's website at XXXX XXXX XXXX XXXX XXXX to manage the credit card account I have with Chase. In the process of logging the Chase website displays a web page shown in the attached document " Chase login verification problem.pdf ''. 

The issue is that I do not have a telephone number ending in XXXX, and I do not know to whom Chase would be directing the call. I spoke with Chase Customer Service and Chase fraud department about this today, and neither was helpful in resolving this issue. I believe this exposes my Chase account to potentially fraudulent activity.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliable Credit Association, Inc. (WA)

I made extra payments on my car loan to go towards principle. XX/XX/XXXX I made a principle only payment of XXXX, XXXX I made an additional principle payment of {$500.00}, XX/XX/XXXX I made an additional payment of {$500.00}. I called into reliable credit to ask that these payments be applied correctly and to not advance my payment date to which they told me I was making principle only payments. I explained that I did not want it to be advanced and that they were just paying future payments instead of principle only therfore causing me to pay the interest that I have not accused. I made a complaint with XXXX where their response states that they can apply payments however they see fit. This is deceptive and unfair. In their response they did say that I can bring in checks or money orders and those could be applied to future payments, which I will do going forward. However they have miss applied XXXX dollars and refuse to fix the issue.
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (KY)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.cash.app. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.cash.app is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to CashApp. Unfortunately, as of the date of this complaint, www.cash.app has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. In my opinion, such behavior from www.cash.app represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I I requested a credit card I told the company that I saw a notification on my email where someone was charging my card I reached out to the company Capital One and I told them what was happening one representative told me that she'll take care of it so I called again the second time and they're charging me a fee which I'm aware that I know I have to pay but I never got a credit card or anything for them to be charging me early fee and I believe that's illegal for you to charge someone for something that they never received
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I borrowed around XXXX k in student loans total along with the XXXX XXXX  and scholarships paying the rest for my XXXX XXXX. Now I owe XXXX to just one of the companies and another XXXX and another XXXX $ and another XXXX etc they split up consolidated student loans and raised the interest to 85 % while claiming XXXX but its not. Yes I can math after all of this. So now on my credit report even though XXXX loans are delinquent, Im stated as to having revolving credit which shows I have negative XXXX grand bc I owe XXXX grand in student loans that I never took out???????? So therefore I cant get a car, a personal loan, a credit card, a job where you need good credit at a bank or finance company. Im livid and I pray you can help bc at this rate how would I ever send my XXXX XXXX XXXX to school. My XXXX  is on XXXX XXXX. Im not a freaking XXXX XXXX and owe more for what exactly? They keep selling their educational loan companies. Also its always the same answer on every single credit report, which goes back to the one little recovering debt thats turned into like a bazillion loans. This isnt ethical or fair and its downright illegal whats happened
Consumer complaint received 2023-12-13
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2024-01-08
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. (PA)

I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting
Consumer complaint received 2023-03-25
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)

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 U.S.C 1681. 

XXXXXXXX XXXX : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX # XXXX XXXXXXXX XXXX  : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX : XXXX XXXX # XXXX XXXX XXXX  : XXXX XXXX  # XXXX XXXX XXXX : XXXX XXXX # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX : XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX : XXXX XXXXXXXX XXXX # XXXX XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 information is inaccurate.
Consumer complaint received 2023-12-13
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest Finance company keeps opening and closing my charged off account since 2021 so that my account will keep it active and updated on my credit report abusing the system to keep opening and closing the account. Everything they closed it each month it drops my score and restarts the statute of limitations on the account.