davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
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. (MI)

I have repeatedly sent letters to the creditor XXXX XXXX. I have sent multiple letters requesting to exercise my right to opt out and the company never responded last letter was sent XX/XX/XXXX. The account is reporting as a charge off which means the company received a tax break on the debt which now makes the debt a certificate of indebtedness. Per the IRS Publication 4681 states reporting cancelled debts as income, Generally canceled debts must be reported as income on your tax return, and you may receive a form 1099-c from the creditor reporting the canceled debt amount to the IRS and to you. I have not received a 1099c from XXXX XXXX. I have also sent a letter to opt out of the account reporting. The company continue to report the account disregarding the letter I as the consumer sent to opt out. This is also a violation of the Privacy Act of 1974 which aims to protect rights of individuals by regulating how federal agencies collect, maintain, use, and disclose personal information, including provisions related to sharing personal information to third parties. XXXX XXXX stated they will not share my information with any third party affiliates but yet the credit reporting agencies have my information without my consent. Account listed below XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX OF XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This XXXX  XXXX card was opened in the year of XXXX  amount of {$460.00} of a dollar transactions made with this card involved fries XXXX XXXX XXXX XXXX XXXX Etc these were not transactions made by me and or I do not have this card this car was wrongfully filed under my name I do not have a XXXX  XXXX card I have been a victim of identity theft and or fraud before
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have   XXXX  pu blic record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by  XXXX  since  XXXX  of   XXXX  . According to FCRA law : " This information is generally removed  seven years from the initial missed payment that led to the delinquency. Missed payments and most public record items may remain on the credit report for up to seven years, except Chapters   XXXX  ,  XXXX  and   XXXX    bankruptcies, which may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX    XXXX   which is now 16 years and 6 years past the legally permissable reporting criteria. However    XXXX    continues to report this information which is a violation of my FCRA rights and  State law.  The account is also being illegally re-aged to reflect the current month as the reporting date every time I file a complaint.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my Follow-up 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 items 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 an 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
Consumer complaint received 2023-04-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (PA)

Receivable Performance is reporting on my credit report along with XXXX for the same debt. XXXX was paid. I called and asked them to remove it from m credit report because it shouldnt have been on there in the first place but they refuse to remove it. There were multiple attempts to resolve this with the company but they refuse to do anything about the situation.
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

I have a  Citi Aadvantage  credit card with  XXXX  active balance transfer accounts.   Offer #  XXXX  with 0 % interest unti l  XX/XX/XXXX a nd Offer #  XXXX  with 1.99 % interest until   XXXX  . I have been paying more than the minimum balance so that Offer #  XXXX  with 0 % interest would be paid in full by   XX/XX/XXXX  ;  however,  Citi  used the amount over the minimum balance and applied it to the 1.99 % balance which expires in    XX/XX/XXXX  .  I called Citi customer service at   XXXX   and spoke with  a man  ager na med  XXXX  who refused to work with me and said they were compliant with CFBP rules. I was not aware this would be the case and it is an unfair and most disadvantageous way to treat any consumer. When I first made the balance transfer, the paperwork stated that the amount would be charged 0 % until     XX/XX/XXXX  an d thereafter the balance would be subject to the regular 16.75 %.  Tye  are forcing me to pay the higher 16.75 % on a balance of over {$4000.00} which I have already sent them payment for but they applied to a newer balance.     Does n't this practice go against the CARD act? Please help.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, a check for {$36000.00} dollars was deposited in my business bank account, which a company issued to pay for services provided by my company. 

Bank of America classified the check as fraudulent and by telephone informed me that the check had been reported stolen, so they decided to close my business account and send a check for the balance in the account, but did not send the {$36000.00} dollars of the deposited check. 

I contacted the company that issued the check, who verified with their bank that the check was never reported stolen and that the money came out of their account. They informed me that the transaction from their side went through normally and that the problem needed to be resolved with Bank of America. 

Bank of America insists that the company that issued the check should request a reversal of the transaction, but the issuer tells me that everything is fine on their side, that the money came out of their accounts and that they are not going to request a reversal because they have not reported anything wrong with the check. 

I gave Bank of America the phone number of the financial XXXX of the company that issued the check and the phone number of the bank agent used by the issuing company so that Bank of America could contact them directly and verify that everything is fine with the check. I have waited almost 2 months and Bank of America has not contacted anyone to verify that this transaction is not fraudulent. 

On Friday, XX/XX/XXXX I called and visited Bank of America to explain once again that the issuer will not do anything because on their side everything is fine, the money came out of their accounts the way they intended. On the phone and at the Bank of America office I visited, I was informed that my money can only be recovered if the issuer requests the reversal, but to this day Bank of America has done nothing to verify that the funds are clean and should be released. 

I have decided to initiate this complaint as I have called Bank of America at least 20 times and visited their offices at least 5 times, but I do not see them doing anything to resolve the situation. I understand that there are policies in place to prevent fraudulent transactions and I have provided all the information they require to prove that this is a clean transaction, but apparently Bank of America 's verification process does not work at all. This has been the worst experience I have ever had with a Bank.
Consumer complaint received 2022-11-28
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (TN)

Hello! 
To whom it may concern : My name is XXXX XXXX. I live in XXXX TN. 
On XX/XX/2023 I went to XXXX XXXX XXXX. In XXXX I bought Western Union Money Order for amount {$740.00} ( Serial Number : XXXX ). 
And then I continued shopping in XXXX, during this shopping I lost my money order somewhere. When I realized its gone I went to the person who had sold money order to me. He gave me money order serial number and said that I need to call Western Union Customer Support Center. When I got back home I started to call this Center. I reached out your agent and he said he put stop payment on this money order. He also sent me paperwork that I needed to do and mail it to Western Union. 
I finished this paperwork and mailed it to you. This paperwork was delivered to Western Union on XX/XX/2023, I have USPS Tracking number to prove it. 
So I called WU customer service many times. I also mailed them lots of letters including one with paperwork they requested. They keep ignoring me badly and hold my money. I just think they want to steal my money from my family!!! 
I need your help to get my money back!!
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

These are all the dresses that Trans Union will not delete off my credit report. These are old addresses and are not current. I need them deleted off my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-21
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: JPMORGAN CHASE & CO. (WA)

XX/XX/2021 - Two charges, each of {$2800.00}, made to our Southwest Rapid Rewards credit card. Charges were for booking cruise with XXXX XXXX XXXX. 
XX/XX/2021 - Received email from XXXX XXXX XXXX that cruise was cancelled. 
Around XX/XX/2021 - Placed disputes on charges of {$2800.00} and {$2800.00} as XXXX XXXX communicated that refunds would not be given until 4-8 weeks later. 
XX/XX/2021 - Removed disputes on both charges in hopes of utilizing monies towards future cruise, received credits, etc. ( see attached XXXX XXXX cancellation email ). 
XX/XX/2021 - Booked NEW cruise with XXXX and was told that amounts for cancelled cruise could NOT be used as the dispute transactions were received. 

Asked Southwest Rapid Rewards to again apply disputes, but was told they were not able to, once they were released on XX/XX/XXXX. Chase Disputes team communicated that we must request refund from XXXX XXXX XXXX. 

For several months I have been in communication with XXXX XXXX XXXX and have asked for a refund on {$5600.00} ( two payments of {$2800.00} ). Each time the finance department researches my request and they come back saying that those payments were never received ( see attached email from XXXX saying no payment received ). 

On the other side, Chase Disputes team ( on behalf of Southwest Rapid Rewards ), say they have also researched the issue, and they say that they have received confirmation from the merchant bank for XXXX XXXX that both payments of {$2800.00} were received on XX/XX/2021. 

On one hand XXXX XXXX  XXXX  XXXX  says no payments were received, thus there are no amounts to refund. On the other hand, we have two Re-Bill charges of {$2800.00} that show on our XX/XX/2021 credit card stamenet from Southwest and Chase Disputes team saying they have received confirmation from XXXX XXXX ' merchant bank that funds WERE received. Both of these statements can not be true. Neither party will provide us tangible/physical evidence to their analysis and conclusion so that we could then go to the 'other party ' with actual proof. 

Either way, we are not liable to pay Southwest Rapid Rewards {$5600.00}. Mainly because XXXX  XXXX  say they have not received those funds, and second, Southwest/Chase will not help us in resolving this situation.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank (CO)

I had a credit card with First Progress Prestige Card opened XX/XX/XXXX it was Charged off XX/XX/XXXX. I was in XXXX. I got out XX/XX/XXXX. Immediately went to fixing my credit. I contacted company who was listing it as " cllosed, {$140.00} written off ''. I made an agreemente with them that i woulld pay it off immediatelly if they agreed to reflect. the acccount being paid, closed, and no balance when cllosed. In XX/XX/XXXX I paid {$140.00} on the XXXX of XX/XX/XXXX. It was Reflected as " paid, closed, {$140.00} written off. They refused to removed hte {$140.00} written off. This shouldl be removed since it was paid in full. that is problem 1 problem 2 The account which was cllosed on XXXX as CO  out of nowwhere lstart4ed reporting again and in XXXX andXXXX of XXXX it reflected two months of CO  .. ruining my credit at a time i was taking a student loan. I have been sending lletters to them ( first progress ). i have spoke to agents who say they can not do anything. and XXXX I have disputed it with XXXX  times. each time the agent saying i was right, and they will fix it. XXXX month back and forth they are no fixing anything .neither companies. I missed an entire semester of school because i was not elegible for a laon that i was elegibble the day before mjyu score dropped. I begged and pleaded and no one could help HOW IS IT THAT A CLOSED ACCOUNT STRANGELY RE OPENS. WHATEVER GLITCH IT WASA IS THERE PROBLEM TO FIX YET IM THE ONE WHO IS BEING HURT BY IT FOR XXXX MONTHS NOW ... IM GON NA MISS ANOHTHER SEMESTER OF XXXX BC OF THESE PEICES OF XXXX XXXX MY HARD WORK UP. BUT NO O NE WANTS TOO. i HAVE PAID XXXX XXXX DOLLARS  A MONTH TO BE BILLLED FOR SOME XXXX. THANK YUOU ... I WILLL NEVER AGAIN USE XXXX. tHEY ARE XXXX  WHO DONT CARE. PLLEASE MNAKE A fair sollution would be to remove it completely from my report. Its about 5 years old. but the main reason is for hte last XXXX months i have record of contact them and begging them ... ..begging! to fix it the report. when it snowed, i sllept in my car cus i couldnt sleep in the bed cus my wife was mad i dint pay this bill and my credit got XXXX ... .I wsas unable to start classes on time cus cus i was denied my loan after XXXX point decrease. So i missed thispast semester and this one and nex one all because of this mistake. I just want to get treated fairly. this is is unnacepetable every one can see its a mistake. 

i attached documnets shows when they closed, when i paid, the amount, the balance, the amount and what i paid. i will also attach the report that is hurtin my credit sooo bad
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Account XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Account XXXX XXXX XXXXXXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2022-11-28
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. (OH)

I've notice unauthorized inquires on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed. I have listed the hard inquiries below. 

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