davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (MD)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-04
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. (FL)

XXXX XXXX XXXX ran a credit check without my permission. On XX/XX/18 a sales rep named " XXXX '' approached me and offered me cable and internet through XXXX XXXX XXXX. I told him that I was interested as long as they were not going to check my credit. He assured me that they only needed my social security number to make sure that I didn't owe XXXX XXXX XXXX any money. I gave him my information and scbeduled an installation date. The next day I received an alert by email telling me that XXXX XXXX XXXX ran a hard inquire on my credit. I tried contacting XXXX XXXX XXXX and even Equifax, but no one wants to help me. I would like the inquire removed and to have my points back. I would also like you to know how they do their business. They go door to door offering cable and internet and give false information such as promising no credit check.
Consumer complaint received 2024-04-09
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell FEB DESTINY/GF to verify the items I had identified as inaccurate or incomplete in my credit report. 
Copies of my correspondence are attached for your review. 

FEB DESTINY/GF Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. 
Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
Consumer complaint received 2023-02-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (ME)

I have a collection on my credit report from The Bureaus , Inc. i have Made several attempts to call and pay a reasonable amount as this is not the amount of debt actually owed. 

When I call, there is no agent. I enter My social security number and Im sent to a completely different company, Indebted. No one answers the phone and you are forced to leave a message. No one ever calls you back. I am not able to pay debt because they refuse to call back. I have called for 2 months. No call back. 

So, I disputed the collection because they dont let you pay it, in turn the debt increased.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I am currently being overcharged for late fees on a credit card that I am currently not using. I was not told anything about late fees or the excessive amount. Every month the late fee price is changed and Im not understanding why. As far as interest, i am being over charged for interest i was never notified of. Im suffering financially. I have recently lost my fianc and now trying to figure a lot out.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I contacted XXXX XXXXXXXX XXXX seeking their help in credit repair on XX/XX/2018. They ask me to pay upfront {$14.00} Work fee and {$120.00} per month for the Premier plus Plan. ( XXXX XXXX offers three levels of service depending on your credit needs for {$89.00}, {$100.00}, or {$120.00} each month after services are delivered. ) *This is straight from their website. Please pay attention to the part where it says " After Services are delivered '' The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

Please understand that XXXX XXXX charged me {$14.00} for Work fee on XX/XX/2018 and {$120.00} for the premier plus plan on XX/XX/2018 for the month of XXXX. By Charging me {$120.00} dollars for XXXX for services not yet rendered XXXXXXXX XXXX violated the Credit Repair Act. They disguised this payment as account set up but thats not what they say this {$120.00} can do for their clients. Again this plan says that The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

XXXX XXXX violated my rights under the Credit Repair Act. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of " credit repair '' services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. After 5 days of signing up and paying {$14.00} XXXX XXXX charged me {$120.00} for their premier plan for services not yet rendered. 

A whole month passed and nothing was done on my credit the negative accounts still remained on my credit file. I called XXXX XXXX XXXX on XX/XX/2018 this was 3 days before XX/XX/2018 the day when another {$120.00} for the premier plan was due. XXXX XXXX advertises free cancellation at any time. However to my surprise XXXX XXXX charged me {$100.00} to cancel my account. I explained to them that such practice was misleading and deceptive to their clients because such charges including the ones mentioned on their plan should have a better description on what they are for and also to inform clients that upon cancelation they will have to pay a bill. 

I paid in total {$240.00} to XXXX XXXX I am demanding my money back for violations of my rights and misleading me into paying a cancellation fee which they do not advertised on their website or inform me in advance.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX and TRANSUNION have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-12-12
Product: Credit 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: GOLDMAN SACHS BANK USA (NM)

On XX/XX/2022, I was charged {$470.00} on my GM Rewards Card with Goldman Sachs. It was an unauthorized and fraudulent charge. I have been trying to resolve the dispute with Goldman for a year and a half at this point and they are still forcing me to pay a fraudulent charge. The merchant is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX. I would like this investigated and resolved. Goldman has refused to help me, is making me pay a charge that I didnt authorize. All I want as a consumer is to not be forced to pay for a charge I didnt authorize. Theyve asked me for evidence to prove this is a fraudulent charge. I have never been asked for such evidence by a credit card company. How am I supposed to provide evidence for a charge I didnt authorize? Goldman has made me go on a wild goose chase for XXXX years. I want it to stop and I want the credit card issuer to cover this fraudulent charge, which I didnt authorize. If a credit card company refuses to cover fraudulent charges of its consumers, it shouldnt be in the credit card business
Consumer complaint received 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (WI)

This company by the name of Velocity Recoveries is reporting fraudulent account information to XXXX. The date that this account was reported by their company was on XX/XX/2023 showing a balance of {$630.00} with an account number attached to it as XXXX.
Consumer complaint received 2024-04-09
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. (OK)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-09
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. 

Account Name : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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. (OH)

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
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. (WI)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I have reviewed my Consumer Reports and noticed that I have a late payment on anccount that iwas never late for.Consumer Rerting Agencies have a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account XXXX? XXXX XXXX... Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated as they should be to on time as they should be as I WAS NEVER LATE.. Thank You.
Consumer complaint received 2018-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (WI)

On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.
Consumer complaint received 2024-04-09
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. (NJ)

Dear Consumer Financial Bureau, I am writing to formally complain against TransUnion, XXXX and XXXX regarding the inaccurate reporting of a bankruptcy on my credit profile. I have serious concerns about the validity and accuracy of the claims, and i believe they have fail to comply with legal procedures. On XX/XX/2024 I submitted a Procedural Request letter to TransUnion, XXXX and XXXX and then again on XX/XX/2024, seeking clarification on the procedures used to determine the validity of the bankruptcy reporting. According to FCRA section 61, paragraph ( 6 ) ( b ) ( iii ), TransUnion, XXXX and XXXX is obligated to provide this information within 15 days of receiving the request. As of today, i have not received the requested information.
Consumer complaint received 2024-04-09
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. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-09
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (KS)

i logged in to my XXXX XXXX and it said i had a collection message and its from XXXX XXXX XXXX XXXX XXXX XXXX but i dont even live in oklahoma and i didnt set up an account with them so i dont know how i have unpayed bill
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OK)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2018-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Citibank is mandating a lot of additional information from me claiming a " periodic security check ''. They refuse to provide any basis for their request ( except for saying it is mandatory ) and will close the account if I do not provide the information. 

My accounts are owned by a special needs trust I opened to provide funds for my daughter, a minor with XXXX XXXX XXXX, The two parts I have issues with are the following : 1 ) Requirement to provide the total amount of assets owned by the trust. This information is private and the bank refuses to provide any basis for being entitled to it.

2 ) Requirement to provide trust documentation. I provided it to the branch when transferring the account to the trust. Citibank refuses to use that " because it is on file with the branch so you have to now send it to us ''. This is documentation I already provided and expect Citibank to own the communication within their own organization that is needed to access it, rather than demanding that I send copies to multiple departments that refuse to speak to each other.

I spoke to Citibank about it on the phone, got no help, asked to be transferred to the complaints department, the specialist said she would transfer me and hung up.