davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc (MN)

hunter-warfield place called XXXX at XXXX, Hunter-Warfield ( XXXX ) called regarding XXXX XXXX XXXX debt ( rent, damage ), said debt was paid before moving into XXXX XXXX ( both owned by Minnesota HRA ) XXXX : Called, I had previously directed XXXX ( wife ) to ask for names ( person, business ) ... for once they gave the name... hunter-warfield ... it was a XXXXsounding woman on the phone. 

The whole thing is over {$440.00} or so... most of the time they hang up after we ask for name of either the person or the company. 

The debt was taken care of, otherwise HRA wouldn't have allowed us to move into another HRA building.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

IRS Publication 2020 Instructions for Forms 1099-A and 1099-C clearly state charge-offs are to be reported as income when filing taxes. Income can not be reported on credit file therefore this item should be removed with prejudice. It is my belief that XXXX XXXX XXXX are well aware of the tax laws and and are committing this act of fraud against me intentionally. I request that this charge-off, which is in itself a fraud, be removed with prejudice from all 3 major credit bureaus and also ask that they be sanctioned for this deliberate act of fraud which has cost me dearly.
Consumer complaint received 2024-04-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (GA)

I took out a {$400.00} loan from this company mid XXXX. I went online and paid off early XX/XX/24 and noticed I was charged {$130.00} when the payoff amount was {$380.00} ( XXXX on XX/XX/24. I was charged these XXXX amounts. I called the company several times inquiring about why XXXX payments were taken out of my account. They lied and said I called in on the XXXX off XXXX to pay off and then gave another excuse that they could not refund me because the payment had gone through ( they took out ). I had this loan for about XXXX  days and I should have been charged the {$400.00} plus any interest it accrued. I calculate they overcharged me by {$90.00} by having me to make payoff amount and XXXX  month 's payment.
Consumer complaint received 2023-12-22
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: 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 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

Good XXXX, On XX/XX/XXXX, I initiated a XXXX transfer of {$830.00}. This was a Thursday. As of that date, my existing balance was approximately {$850.00}. On XX/XX/XXXX-Friday-, I wrote my landlord a check for {$1600.00}, the amount of the rent. He deposited it into his own account immediately. I checked XXXX and received the message that the {$830.00} would be in my account by the beginning of the business day on XX/XX/XXXX, a Monday. This, in my understanding, is, to Friday, the next business day. On XX/XX/XXXX, my birthday, I attempted to make a transaction, only to find that I was nearly {$900.00} overdrawn. Before work on Monday, XX/XX/XXXX at XXXX XXXX, I used a Citibank ATM to deposit {$350.00} in personal checks. I was issued a receipt that reflected the XXXX transfer of {$830.00}, the check for {$1600.00} clearing, and a positive balance in my account. On XX/XX/XXXX I received an e-mail stating I had insufficient funds to clear the check for {$1600.00}. I disregarded this because I had the receipt from Monday XX/XX/XXXX at XXXX XXXX reflecting a balance consistent with a processed check. On XX/XX/XXXX, I checked my account balance and found that it was quite high. In reviewing my account details, I could see that the check for {$1600.00} was returned to me on XX/XX/XXXX. This was showing up as happening after the XXXX and the personal checks were deposited. In addition, I was charged a fee. I immediately called Citibank. From there, after XXXX minutes of verbal sparring, I was connected to a supervisor who informed me that had I called Citibank on Monday XX/XX/XXXX before XXXX, the check would not have been returned. My issue is this : if the funds were available by XXXX the next business day XX/XX/XXXX, which per the representative I spoke to is Citibank 's own policy, why would I need to call to tell them I want a check I wrote to be processed? Of course I do. Further, why did I have to have an experience like this prior to being informed of this policy? Of course I would have called before XXXX on XX/XX/XXXX to tell them I want the check processed, even though that 's a ridiculous policy. This was so frustrating and I was n't able to get a clear answer. The supervisor, XXXX, I spoke to, was n't able to really help me analyze this experience. I did receive a pitch for overdraft protection. I will not be enrolling. This strikes me as at least unfair, and possibly illegal. Is there anything I can do? I am able to provide the XX/XX/XXXX receipt, my online bank statements, statement from XXXX etc to support this. I asked the Citibank representative XXXX to send me an e-mail with the information he was telling me in it for my records, but I have not yet received such an e-mail. Thank you so much in advance, XXXX
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (OH)

I had a credit limit of {$1800.00} through discover and paid {$900.00} worth of the limit down. My limit still says $ XXXX so i dont know if my interest is keeping it the same or what. I dont use the card anymore and still make monthly payments to discover via auto pay through my bank account at XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I uploaded my XXXX form in XXXX. It kept getting denied, due to it being my XXXX  time filing and kept submitting invalid info, but it finally got approved in XXXX. Without them notifying me, they just informed me that I needed to get it fixed within XXXX days. I fixed it in XXXX after the XXXX days, so it screwed my credit score. I worked my whole life for my credit score, having a credit card since I was a XXXX XXXX XXXX XXXX. I am now in the process of renting a house and my credit is terrible. I don't understand how you do not notify a recent XXXX that they have XXXX days to resubmit or else it will XXXX their life over. The loan is paid off by XXXX  due to myself working in XXXX. How can I get my credit score back or is there no hope? I can't believe that this is how recent XXXX  are treated and not notified of things like this.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-21
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) outlines the Congressional findings regarding the critical role of Consumer Reporting Agencies ( CRAs ) in the nations financial system. It emphasizes the need for these agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers right to privacy 15 U.S. Code 1681s2 outlines the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c outlines requirements related to information contained in consumer report 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 2024-04-21
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. (IN)

I recently discovered multiple hard and soft inquiries on my credit report that I did not initiate, authorize or recognize. Specifically, there are two hard inquiries from different banks in cities where I have never resided or conducted any financial transactions. 

XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Contact Information : ( XXXX ) XXXX Background Information : I have never applied for a credit card or loan of any kind, and therefore, these inquiries are entirely unexpected and concerning to me. As I am actively trying to build my credit score, these unauthorized inquiries pose a significant obstacle. 

XXXX of Events : [ XX/XX/XXXX ] : Discovered multiple unauthorized hard and soft inquiries on my credit report. 
[ XX/XX/XXXX ] : Verified with TransUnion that I have never engaged in any financial transactions with the banks associated with the hard inquiries. 
[ XX/XX/XXXX ] : Conducted a thorough review of my financial records to ensure that I did not inadvertently initiate these inquiries. 
Actions Taken : Contacted TransUnion to address the unauthorized inquiries on my credit report. 
Due to the unexpected nature of these inquiries and my lack of involvement in any financial transactions associated with them, TransUnion has requested additional verification of my identity before taking further action.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX  XXXX XXXX XXXX , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CO)

On XX/XX/2023 I used Wise Online Money Transfer to send {$3000.00} USD to XXXX XXXX of XXXX XXXX XXXX. The banking system he used was a US bank through Wise. The money was a deposit for a hockey season for my son to play, however, this man and his brother won't host a hockey season as promised. They are under investigation in the US and XXXX for over {$50000.00} dollars.
Consumer complaint received 2023-05-10
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: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.
Consumer complaint received 2023-06-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (CA)

Coinbase placed 60-day restriction on my account because I had allegedly tried to send funds out of an account that was not mine.I have no recollection of doing anything of the sort. [ thought it is a tricky and confusing process to transfer money/crypto around in this world of scammers ]. After several phone calls to Coinbase and XXXX XXXX, I was conceived that my funds were safe, and I would wait out the restriction. Now, the restriction lift date has come and gone and Coinbase refuses access to my funds and, more concerningly, they refuse tell me why, and if they dont tell me why, then I can not respond. They say they have no obligation to explain their internal decision making process ''. 

I can only think there might be some collusion between Coinbase and the well documented, scammer platform XXXX. It seems a bit Kafkaesque that Coinbase can hold on to my funds and not have to tell me why!! Any input, comments or recommendations for next steps would be very much apricated.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union and XXXX refuse to delete the XXXX  XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; XXXX, XXXX and Trans Union. XXXX deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, Trans Union refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. XXXX failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate.

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the FICO score by both antiquated algorithms and unproving AI technology.
Consumer complaint received 2023-12-22
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)

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-06-18
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
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. (VA)

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 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 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Kohls sent me messaging stating that to not have my Kohl 's Charge Card be transferred to a Capital One Credit Card, I needed to call a phone number and opt out. I opted out via their process via the date required. I had a XXXX dollar balance upon the time that I opted out and maintained a XXXX dollar balance through the process. The issue is now Capital One went ahead and opened the account, and is sending me billing statements for an account that I have already opted out of. I also did not approve of my information being shared with Capital One and they now have my social security, etc information that was given to them by Kohls. Kohls should have just closed my account by the opt out deadline and not shared my information and Capital One should have never opened the account fraudulently.
Consumer complaint received 2023-12-22
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. (IN)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2024-04-20
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. (NY)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2023-12-22
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. (NC)

I am the consumer, XXXX XXXX. Capital One has failed to procure MY written permission for Capital One to report anything on my credit. Capital One and the credit reporting agencies are in violation of the FCRA. I have notified the credit reporting agencies with failed attempts to resolve the issue.