davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
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. (NY)

Since there have been multiple violations of the necessary reporting requirements, my report 's data is not reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-01-21
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. (TX)

XXXX, Transunion, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/XXXX i check my credit report and i noticed XXXX account is not my i never used and never get any benefit for this is the company XXXXXXXX XXXX  day open XX/XX/XXXX amount {$280.00} account # XXXX phone # ( XXXX ) XXXX
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-24
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. (SC)

These inquiries were not authorize by me they are attempt to fraud me. Please remove these inquiries because i did not authorize these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I took out a loan of {$2100.00} on XXXX, I had moved jobs and the new job fell through, the loan was used to pay rent while I found another job. 
I have paid back $ XXXX and to settle the loan today, they want $ XXXX, this is between 400 % and 500 % interest and can not possibly be legal. 

I have saved PDF copies of my transaction list from their website as I believe they do not supply this once you have settled.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, 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. (IL)

i do not recognized these inquiries, i have reported this to the bureaus but they refused to remove them. EquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (TN)

I received a call from Hunter Warfield ( XXXX ). They stated that they were reaching out to settle my account. I informed them that I had negotiations in place. I was informed that there were no notes on the account to reflect that. I confirmed the account number ( XXXX ) and was told that they did not have an email address on file for me. I quoted the settlement offered and attempted to update the person I spoke with. I did not get a name, but they repeatedly informed me that the call was being recorded. The representative was rude, yelled at me several times, and continued to shout over me when I attempted to give her relevant information, such as name and dates. 

My experience with this company has been full of inappropriate behavior for a debt collector. They call repeatedly, and if I send the call to voicemail, they call back to back. They have been dishonest, stating that they had no communication about this debt since 2019, which is untrue. The rep repeatedly threatened me with escalation and legal action.
Consumer complaint received 2021-05-13
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. (FL)

These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (SD)

I just got a notification of a hard inquiry dated XX/XX/23 for THD/CBNA. I looked it up and its for Home Depot through Citi Bank. I did NOT apply for this. We dont even have a Home Depot store here. I do have a Citi credit card which I opened last year.
Consumer complaint received 2023-10-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IA)

on XX/XX/23 I disputed account with a regarding title of NO RESPONSE. I requested verification or delete on account because credit report is reporting a debt that I do not recall having. I disputed through XXXX and XXXX and only XXXX responded deleting account. XXXX continues reporting debt without verifying account. Credit reports states account has been disputed and meets FCRA requirements. How is this possible if I dont recall debt and creditor nor bureaus have provided verification.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I disputed XXXX through XXXX. Student loan XXXX XXXX, XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. XXXX XXXX XXXX XXXX XXXX XXXX has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.XXXX  XXXX, XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (MA)

I enrolled in Aidvantage 's autopay for my student loan on XX/XX/. I received an email the same day saying I had been enrolled. 

On my first repayment date, XX/XX/, my account was not debited. I received an email on XX/XX/XXXX  again stating my account had been enrolled in autopay. 

Today, XX/XX/, I received an email saying I had missed a payment. I checked my autopay status on the website and it showed that I was correctly enrolled. I re-enrolled again, and again received an email saying I had been enrolled. 

I then tried to call them about what happened and how that would affect my loan and repayments, and waited on the phone for 4 hours before the call was dropped. I tried to use their online chat system, but that says it is down due to heavy load on the website. I have now been waiting on the phone again for over an hour.
Consumer complaint received 2023-10-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been waiting I've been waiting about over two and a half years or close to that for my claims my dispute to be resolved. Bank of America is in charge of the banking for XXXX which is a prepaid card that I was assigned I filed a claim for the whole account they still owe me well over close to {$10000.00} they're just sitting here playing today every time I call it's pending provisional credit or still under maintenance and it seems like it's never getting out of that stage and they keep on doing this thing called reconsideration over and over and over again. I'm homeless living in the tent on the side of the freeway lost my family because of this and it's just me and my emotional support dog and we don't have much food but on the money sorry for me to work cuz I've XXXX XXXX  with XXXX and I have nowhere to live because I can't get this money and there's an issue due to the fact that every time I call they all got to do something different to say and why if and they keep denying the claims and reopening themselves what's the point of doing that. Also I sent in documentation one was a police report and the other was a handwritten letter of statement of facts that I wrote and they were attached to the claims but it seems like I can never get I mean you know not enough evidence ever works for them.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-24
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: TD BANK US HOLDING COMPANY (IN)

Receive first letter from XXXX XXXX XXXXXXXX on XXXX, for a recent credit card application that I did not apply for. They were unable to verify identity base on inquiry made to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and spoke to a XXXX. He stated that they would mark as fraudulent and email the credit bureau to report application as fraud. I received another letter on XXXX from XXXX XXXX XXXX. Again someone fraudulently applying for credit under my information. 
I also contacted them and they stated that no information was sent the any credit bureau, and that they declined the request and would mark as fraud. I checked my credit information on XXXX and it showed another inquiry of credit for TD Retail Card. I called XXXX and talked with XXXX who is a fraud specialist and she froze my credit and advised me to file a fraud report.
Consumer complaint received 2023-10-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Personal Cash Loans of SC, Inc. (SC)

I was out of work for 3 months with out getting a paycheck. I was diagnosed with a XXXX XXXX and I was out of work. I am behind on all of my bills. I made one payment last month to this company and plan to make another one this month by the XXXX. It is all that I can do right now. One of the employers name XXXX is calling my job after I have asked them not to call my job twice. I get left voicemails everyday during my work hours on my cellphone. They are harassing me. I do not want them to call my job or my cell phone anymore. I will get them a payment by the end of the month and at least once a month until I can pay more
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/year>, I received a call from an individual posing as a USAA fraud agent. This person, calling from what appeared to be USAAs phone number, already had my personal information, including my name, address, debit card details, and recent transaction history. This individual informed me of supposed fraudulent claims on my account and, to " resolve '' the issue, accessed my parents old XXXX account and transferred {$5000.00} into my USAA account, which I could see immediately. Under his direction, I transferred funds to my XXXX XXXX account, believing I was securing my account. 

Unbeknownst to me, the {$5000.00} was flagged and held by USAA, and although this amount appeared in my account, these funds were not actually available. At this impersonators direction, I ultimately transferred {$4000.00} from my XXXX XXXX account to an external account he specified in two different payments of {$2500.00} and {$1500.00}. After the fraudulent transfer, I discovered that the impersonator also moved {$2500.00} from my parents USAA account into my account USAA account as I had insufficient funds to complete the impersonators transfers. Less than three hours later, I realized I had fallen victim to an individual who posed as a USAA fraud agent, resulting in a loss of {$4000.00}.

For over eight years, USAA has been a trusted financial partner for me and my family, honoring my grandfathers XXXX  in XXXX. I have consistently received exceptional service, which is why this situation has greatly disappointed me. Due to this scam, my account is now overdrawn by nearly {$1500.00}, putting me in a precarious financial position as a XXXXXXXX XXXX XXXX at the XXXX XXXX XXXX XXXX living on student loans and facing imminent graduation and marriage ( XX/XX/year> ). I have no way to pay this balance, and at the moment, I am unsure how I will pay for tuition next year or provide for my soon to be wife.
Consumer complaint received 2023-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BMO Bank, N.A. (IN)

I applied for an installment loan to consolidate my personal debts. The banker changed my application by changing the requested amount from $ XXXX to $ XXXX and adding my husband as a co-borrower. I did not want to do that, but she stated it would be in my best interest and would save me money. WE were denied and now MY credit score has taken a hard hit. I qualified for the $ XXXX. My credit score was in the acceptable range and I have 100 % of on time payments for the last XXXX  years in addition to owning my own home with no mortgage payment. I have also been with the company for over 20 years.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (UT)

Citibank XXXX XXXX Letter Rec 'd on XX/XX/23 Informed me that they applied for the CC on XX/XX/23 The perpetrator tried to charge ~ {$1500.00} " Declined '' The Home Depot/Citibank Card opened without my consent or knowledge. 
An Application # Rec 'd the physical card on XX/XX/23 Called Fraud Verification THD/Citibank XX/XX/23 No Complaint Filing Confirmation # from the Fraud Verification yet. 
Freeze on XXXX filed Need to place Freeze on XXXX & XXXX still
Consumer complaint received 2023-10-24
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)

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 2023-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (GA)

You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.