davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$710.00}
Consumer complaint received 2023-10-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX, I recieved a {$50.00} American Express e-gift card by email. There's no physical card, making it difficult to use in store. Their instructions say to setup XXXX XXXX or similar to use in store, but I was not able set it up following their instructions. I was unable to reach a person or get help from the customer support phone number they provide ( XXXX ) in ~XXXX, XXXX and XXXX. 

In XX/XX/XXXX, I attempted to use it to make several online purchases, including from XXXX, all of which declined it. I contacted a customer support number for " questions about purchasing your Gift Cards online '' ( XXXX ) and got an immediate answer, but was was placed on hold for XXXX hours total and transferred to a couple different people, the last of whom hung up on me, after trying to get help to use my existing card online. I was told : a ) XXXX, XXXX, XXXX, XXXX and XXXX all do not accept it b ) They don't know of a single online company that accepts it. 
c ) Because it's an anonymous card and there's no zip code or other info, any website ( all that I'm aware of ) that require verification info such as a zip code, name or address will be unable to verify it and decline it. 
d ) Despite not being aware of a single company that accepts it, they still claim that it can be used online and that I should keep trying other places. 

The instructions provided with the gift card say, to XXXX XXXX, " In the Billing Address section, please fill in your name and address '' suggesting that the shop would be able to verify it, directly contradicting what the customer support representative said. 

The e-gift card seems like a scam to keep other people 's gifts for themselves. American Express keeps the balance and interest on the cards by making sure they aren't used.
Consumer complaint received 2021-07-08
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. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC (MT)

I received the attached notice from Jefferson Captial regarding a XXXX XXXX bill from over a decade ago, the last time i received correspondence I called and told them to stop sending correspondence as there is nothing they can do. They even state they can not sue, etc.
Consumer complaint received 2021-07-08
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. (IL)

I was robbed of my purse and now I have these inquires where someone is trying to get credit and different things in my name. I did not do this & have no idea who this thief is.
Consumer complaint received 2020-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

went to XXXX XXXX. The salesperson would not take a no. XX/XX/2020. XXXX XXXX XXXX XXXX. That I did not want a XXXX XXXX CARD. TOLD THEM I DO NOT WANT A HARD INQUIRY ON MY CREDIT REPORT. THEY INSISTED AT IT WOULD ONLY BE A SOFT PULL. THEY SAID XXXX XXXX HAD TOLD THEM TO TELL CUSTOMERS THAT IT IS A SOFT PULL. HAD BEEN IN XXXX XXXX TOO LONG IT IS GETTING DARK OUTSIDE I TOOK THEIR WORD. NOW I SEE I HAVE A HARD INQUIRY. I ASK THAT IS REMOVED.
Consumer complaint received 2023-05-30
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. (FL)

I obtained my report and noticed inaccuracies on XX/XX/2023 and sent my first dispute letter on XX/XX/2023 and they updated my information on XX/XX/2023. I then submitted my second dispute letter requesting a re-investigation.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meade & Associates, Inc. (KY)

Previous student of XXXX XXXX XXXX XXXX in XXXX XXXX, OH. Majority of the students I was enrolled with decided to transfer out such as XXXX and XXXX. I do have their last names and contact info because the same thing happened to them! We all know that there was a pandemic last year. I also had a XXXX last year. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That school is aware of the economy and the fact that a lot of people had a hard time with daycares being closed, cut back on work hours, etc. I informed them via email which I have all of my emails, that I could not afford the {$220.00} a month. I did plan to return and had just passed the last set of classes. I withdrew due to my health issues and also due to the hardship from the pandemic. I was told I could reenroll so that I could finish. I was then contacted by someone saying I had to pay XXXX up front! I only owed them about 8 months x {$220.00} if i did want to re-enroll. I reached out to the credit company which they sent my account to. I asked the school for a thorough breakdown of the fees and to show what payments I did make and what fed aide they kept! They did not do it. Instead they sent me an old ledger and had the credit collection company to send me the same thing. They should not be allowed to do this. This is why XXXX was closed down. I was looking to return. The creditor sent me a letter not explaining anything but saying submit payment in full which is over {$7000.00}. They do not have their numbers right and the school is getting over on too many people!
Consumer complaint received 2021-07-08
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. (PA)

This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent
Consumer complaint received 2023-08-24
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I received an alert that I had a new collection on my credit report. I saw a company name that I was unfamiliar with, XXXX XXXX XXXX and an original company as XXXX check n go. I have never done business with this company. This just suddenly appeared on my credit report, and I never received a call or letter from this company in reference to this alleged debt they say I owe. I filed disputes online with the credit bureaus but, this company just updated the balance by XXXX dollar.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  is trying to ruin my life by tanking my credit score. My daughter needed braces to fix her smile so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way XXXX XXXX XXXX  manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. I am in distress and this matter has affected me from getting access to different forms of credit needed during a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Delete this account. 


3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 




XXXX inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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, 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 2021-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

XXXX XX/XX/2021 i sent a letter regaurding innaccurate and unknown informationon my report to this day over 60 days later I have not recieved a response yet. I feel like im being taking advantage of and being ignored of my disputes. Sec 611 ( a ) plainly states failure to investigate these items in 30 days gives a reason to immediately delete from my report. It has been over 60 days so they should be deleted immediately. I demand they be deleted immediately or I will file for litigation due to stress you caused me. My info may also have been affected by the equifax data breach and got into the hands of the wrong person.
Consumer complaint received 2023-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (PA)

During Covid pandemic I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX in XXXX, PA at the time in XX/XX/XXXX during Covid 19 that caused all business to shut down. However my XXXX  as a XXXX XXXX  for a XXXX that must remain open due to being an essential Business I was required to work throughout the entire Covid 19 pandemic and service customers. I XXXX XXXX XXXX XXXX XXXX XXXX and my Employer health insurance did provide some coverage for my Medical bills for the XXXX XXXX XXXX XXXX  but I had a large Deductible for the amount of {$5200.00} and also another for {$420.00}. Since then I have had major health complications during XXXX while having to work and had XXXX XXXX its that have put financial stress and mental stress with my and my family. We were also scammed by a I was repeatedly called from their billing department after I gave XXXX and harassed to make the full payment without them ever sharing they had any Financial assistance to help with the cost or didnt even negotiate the cost. I was denied and They threatened to sent the bill to collections and I asked if they could please help me with a payment plan. I did consent to a payment plan of {$25.00} a month as I could not afford the payments due to having to return to work and I had to pay Daycare costs including living expenses and bills. I also was involved in a accident when I returned to work when a driver ran into my car and Totaled my vehicle and because this I also needed to purchase a car so that I was able to work. The XXXX XXXX did not notify me that my payment plan stopped and they then took action without contacting me or my bank as to why they did not receive payment for a agreement I consented to and agreed to pay and I never consented to stop the payment. On XX/XX/XXXX I received a alert from my credit reporting service that I had 2 accounts from a collections agency called Medical Data Systems that were hired by XXXX XXXX  to collect a debt I agreed to pay monthly. I pleaded with the collection agency to please not due this as my employment career would be at risk as I work for a XXXX I also pleaded with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (NY)

I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account. 
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

In the midst of applying for a mortgage, I learned of these collection accounts which are deeply, negatively impacting my credit. The company refuses to Delete the items even with payment. These debts belong to my ex spouse, who did business with these companies when his vehicle was in my name. I didnt know these items were outstanding but yet I am suffering as a result. I am willing to pay because he is no longer around but I need these items DELETED from my consumer report.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit score has dropped XXXX points. Because XXXX XXXX inaccurately reported to the credit bureau that I was delinquent. When I reached out to them, they refunded the late fees. However, they did not update my credit report. Therefore, I still have two late payments. This is preventing me from being able to purchase a home.
Consumer complaint received 2021-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

Mid XX/XX/2021 we were notified by mortgage lender, XXXX XXXX XXXX that our mortgage had been sold to PNC Bank and effective XX/XX/2021 all payments should be directed to PNC Bank. On XX/XX/XXXX, XXXX XXXX XXXX automated payment service deducted the XXXX mortgage bill due on XX/XX/XXXX which was then forwarded to PNC Bank as payment for XX/XX/XXXX. To my surprise, our banking information for the automated payment service was transferred to PNC Bank. ( Could be very helpful! BUT ) on XX/XX/XXXX a charge for the XX/XX/XXXX mortgage payment was charged even though they had already received the payment from the previous lender. 

PNC Bank has agreed to refund our payment but we can afford to live without the {$1800.00} overpayment until the paper check comes in XXXX days. The issue is MANY families would not be able to make this work. 

PNC Bank is preying on poor families to increase the overall quantity of overdraft fees and steal more money from these poor families. I believe the system they have established should acknowledge payments and stop any additional automated payments. Whether this is intentional or accidental the system they have established is flawed and hurts working families.
Consumer complaint received 2023-03-27
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: LEXISNEXIS (NJ)

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