davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
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. (FL)

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Equifax, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Consumer complaint received 2023-03-04
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. (CA)

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I reached notified Experian, XXXX and XXXX credit bureaus. 
I've been concerned about the false addresses on my credit report. 
Also my Identity/name was incorrect. 
I've worried that having incorrect addresses on my credit report could lead to increased risk of identity theft. I have been since alerted that my Socail Security number was found on the Dark Web via XXXX.
Consumer complaint received 2023-04-12
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. (NV)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

On XX/XX/22 I paid my full balance and requested the account be closed. On XX/XX/22 I received correspondence vial post mail from commenity forever 21 stating my account has been closed per my request and the balance on the account is XXXX. On XX/XX/22, the company charged me a minimum interest fee of XXXX, then charged a late fee of XXXX on XX/XX/22, and then charged another minimum interest fee of XXXX on XX/XX/22. When I reached out the company the response, I received was that is the policy, and I can pay the XXXX to avoid being charged further interest. This company never sent any communication about the initial minimum interest, only an email stating I had a balance due which was received on XX/XX/22.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (PA)

Wells fargo is holding to my money for the amount of XXXX dollars and refusing to give me my money back. 
They are claiming there was recall on my account and they froze my account and held in to my money. That was back in XXXX if 2022 and every time i call they say the money is in transaction to be send back to the lender. They refuse yo pay me back or put the money towards my home equity loan. 
They refuse to explain anything to me.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have a checking account with Citizens Bank that had an amount that was over {$17000.00}. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX to notify me that a check in the amount of {$12000.00} was made under my name and under my account. The check was from Citizens Bank and it was cashed at XXXX  XXXX XXXX. I contacted Citizens Bank right away. I went to the Citizens Bank branch that is in XXXX Massachusetts. They made me file a claim which did by phone. They also made me filled out two declaration forms which I did and answered the questions at best of my knowledge. They did received both of the declaration forms. I called the claim office on XX/XX/2023 for an update, the person that I spoke to insisted on telling me that I was the one who wrote the check which I honestly didn't. A fraudulent check was made under my account and under my name. Citizens Bank is showing no interest in giving me back my money or finding a solution to the problem
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

I have been unable to view my Equifax Consumer Report for over a year, either via XXXX or directly at my.equifax.com. Upon attempting to access same, I constantly receive this error : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team XXXX. '' Equifax provides no further explanation. 

On XXXX XX/XX/2023 at XXXX XXXX, I called Equifax at XXXX and spent 90 minutes on repeated holds, and talking to a representative located outside the jurisdiction of United States. Despite the lengthy and unproductive phone call, Equifax 's representative refused to connect me with anyone empowered to resolve the issue but provided XXXX # XXXX and a promise someone would contact me. 
To date nobody ever called the phone number I provided. At XXXXXXXX XXXX XXXX, XXXX  while on the phone, Equifax sent me email claiming the issue was resolved. This is false. Nothing has been resolved. On XXXX XX/XX/, Equifax wrote me an email instructing me to reset my password, just as the phone rep did without success. Attempting to reset my password repeatedly yields the same " " Please give us a call. We can't complete your request at this time ... '' message. Instead of resolving its issues, Equifax instructs me to follow the same steps repeatedly and expect a different result. 

I write in sheer exhaustion of trying to deal with a broken company that operates offshore and can not provide mandatory consumer credit reporting information, and refuses to provide me access.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

on XX/XX/XXXX in attempt to repair my credit I created an account with XXXX XXXX but was told they could not release my Experian credit report due to a restriction. I called Experian several times and not one representative was able to assist me. I made a final call to them on XX/XX/XXXX @ XXXX. Can a representative all of my information confirming my identity and was told my issues was corrected. However, when i went to log into the XXXX XXXX account to access all 3 of my reports I received the same error with the account id # XXXX. I have now created an account with XXXX and I still do not have access to my Experian credit profile. This is ridiculous and very frustrating.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion negligence insure the accuracy of my consumer report has caused me a great deal of emotional distress and a master of trouble to clean up on my own. I have reached out to Transunion in writing for 2 years straight trying to get this matter dissolved the company refuse to comply by my demands and request to the extent that they have not comply by the federal statues and codes stated in my letters. Transunion have not made any effort to clean the delinquency account from my consumer report belonging to XXXX XXXX. Transunion continues to report the transactions between me and financial institutions that does not belong on consumer reports. Transunion has defamed my character and reported inaccurate information. Transunion has not abide by the federal statues that apply to reporting and insuring the accuracy of consumer reports.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Over the last year I have contacted Transunion about the error on thier discover entry on my bureau. I have also contacted discover. This account is full of errors as I have always paid on time and am still today. 

The attached letter indicating my account being erroneously reported 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 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 XXXX 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 2023-03-18
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. (MO)

This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Assosciates, LLC This is XXXX XXXX, I'm reporting Portfolio Recovery Assosciates several different laws broken against me in result to collect a debt. XXXX XXXX I sent a debt validation letter to Portfolio Recovery Assosciates them to validate a debt allegedly owed, I asked them to send me the following information to verify the alleged debt belongs to me. I asked them to send me the following information : 1. State the money they said I owed. 2. How did they come to determine that amount. 3. Provide copies of agreements bearing my signature stating that I agreed to pay what they said I owe. 4. Show proof that the statue of limitations have not expired. 5. Provide proof that they are licensed to collect in my state ; provide license number. 6. A valid, legible copy of the agreement stating the debt and interest charges. In result, Portfolio Recovery Assosciates DID NOT provide proof that the statue of limitations did not expire, Portfolio Recovery Assosciates NOT provide proof that they are licensed to collect in my state, Portfolio Recovery Assosciates NOT provide information about how they determined the alleged amount owed. Portfolio Recovery Assosciates broken SEVERAL LAWS AGAINST ME!!!! The following consumer laws have also been broken, 15USC 1692 ( J ), 15 USC 1692 ( B ) ( 2 ), and 15 USC 1692 ( E ) ( 10 ), 15USC 1681 section 604 ( A ) ( 2 ) 15USC 1681 ( C ) ( A ) ( 5 ) 15USC 1681 ( A ) ( 1 ).
Consumer complaint received 2024-03-25
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. (CA)

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. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (OH)

I bought a XXXX  XXXX XXXX From a dealership called XXXX XXXX sales company, XXXX, Ohio, XXXX XXXX XXXX. XXXX phone # XXXX XXXX With XXXX miles on it. I feel like I was taken advantage of the dealor sales person.. I was just excited about getting a car loan, Very nave before you know it between the warranty was {$3500.00} the gap insurance with {$1000.00} thats low jack three-year plus XXXX warranty which I dont know {$690.00}. And other fees that is paid to a public official. Bringing the amount finance to {$22000.00}. Making my payments {$610.00} a month at 25 % interest. I called the loan company which is named Bridgecrest XXXX. Is there a number.. I wanted to cancel the additional fees that was never told to me and see if they would lower my monthly payment. they said to me over the phone that they can cancel the {$6000.00} extra fees added to the loan but it will not lower my payment of XXXX a month but if I ever pay it off by canceling the additional services I can pay the principal my main thing is I wanted to get the loan down to a reasonable amount. I thinkXXXX is a lot of money when I was totally misrepresented I do like the vehicle but its not worth the Money.. Im hoping you could do some good.. My name Is XXXX XXXX I live at XXXX XXXX XXXX. XXXX XXXX OH XXXX and my number is XXXX
Consumer complaint received 2023-03-04
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. (GA)

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-08
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. (AL)

I checked my credit report, which I acquired from the credit bureaus and I noticed unauthorized credit inquiries had been made. I contacted the companies asked them to remove the inquiries from my credit report.
Consumer complaint received 2023-03-04
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-20
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. (FL)

My bankruptcy was completed on XX/XX/2020 which means tradelines for things included should have been removed but they are not. I also want my first name corrected as it is on my documents. My name is XXXX and not XXXX as you continue not to correct it.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: GREAT WESTERN BANCORP, INC. (NE)

XX/XX/XXXX I began sending money to a company called XXXX. It was sent from my bank, Great Western Bank to XXXX XXXX out of New York. XXXX XXXX then sent it on to XXXX  via a service called XXXX. They were supposedly investing my money into Bitcoin. 

From XX/XX/XXXX until XXXX or XX/XX/XXXX I sent {$43000.00}. My account was growing rapidly up to $ XXXX by XX/XX/XXXX. Now I tried to begin withdrawing some of my money. At first they gave me the run around. Then they stopped communication all together. Subsequent efforts to withdraw money made it apparent that XXXX was a fake company. 

A company called " XXXX '' tells me that the bank as well as XXXX XXXX had a responsibility to protect me from the {$43000.00}. XXXX denies any responsibility and so does the bank. I have sent letters of request to the bank and to XXXX with no results. 

I will try to upload a copy of a letter sent to my bank.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX # XXXX {$1900.00}. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX. {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$430.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX  XXXX # XXXX {$360.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$94.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$140.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$260.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$480.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$59.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$450.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$30000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$4200.00}. XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT
Consumer complaint received 2023-06-15
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. (FL)

I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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