davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-18
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. (NC)

On XX/XX/XXXX we had a severe thunderstorm that XXXX my 2 yr. old XXXX XXXX 49 '' lcd TV. I have supplemental Home Insurance Coverage w/ XXXX XXXX XXXX. in XXXX. XXXX Fl . -XXXX-XXXX-XXXX-XXXX- Acct. # XXXX. I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/ ELECTRICAL SYSTEM listed.When I joined in XX/XX/XXXX I was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period ''! I complained via their Website Email today XX/XX/XXXX.
I was unable to find a local TV Repair so I went back to XXXX XXXX in XXXX, NC XXXX XXXX XXXX XXXX where I had bought the XXXX in XXXX. It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a XXXX XXXX Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar XXXX XXXX & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied by XXXX XXXX/ XXXX XXXX - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w / 2 Credit Cards ( my fault ) & was advised by an Attorney to file Chap. XXXX. I did & it was dis- charged XX/XX/XXXX. but to this date XXXX XXXX has REFUSED to report my XXXX debt which was paid offXX/XX/XXXX up to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my XXXX XXXX  for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap. XXXX & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is XXXX Trans Union, XXXX the XXXX others. Since the XXXX rejection I 'm afraid I may not be able to make the car trade w/ a Co. like XXXX XXXX ( lower rates etc ). I should be able w/ XXXX since I 've been with them 2 yrs. & have saved {$2000.00} DP for a XXXX model- selling for {$12000.00} Max. That 's my story.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

Equifax refused to properly validate a tax lien on my credit file after 3 months of correspondence from me with affidavits and calls. They simply stated that they validated this lien with the states county and court. I asked them to validate the specifics and they have not. 
However, I spoke with both entities and they informed me that they had NO correspondence with credit bureaus. This is untrustworthy practices by Equifax.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MT)

In XXXX I used my XXXX XXXX XXXX on vet emergency for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted XXXX XXXX who tells me the acct was written off. I check XXXX XXXX and see this LVNV debt for this XXXX XXXX debt that XXXX XXXX has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for LVNV. XXXX claims the debt is right I dispute again because I ow XXXX XXXX not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt XXXX XXXX has written off. I can scan the original debt paperwork from alpine animal hospital and the collection notice from the place LVNV hired. Just let me know if needed. I am on my phone or I would upload now.
Consumer complaint received 2017-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inquiries illustrated below were not authorized and have been disputed with the respective companies to no avail.      1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      2 )   XXXX   3 )    XXXX   XXXX   XXXX    4 )    XXXX   XXXX   XXXX   XXXX    5 )    XXXX   XXXX    6 )   XXXX   7 )    XXXX   XXXX    8 )   XXXX   9 )   XXXX   XXXX   XXXX
Consumer complaint received 2023-08-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (GA)

I have a car financed by US auto sales. They transferred over my car to Westlake portfolio management. When I initially got the car it says with the warranty and XXXX it would be XXXX XXXX. Since theyve transferred the loan, the payments Ive made for over a year and a half are nowhere to be found. They are saying I still owe the amount from when I initially got the car. They also are still charging me for XXXX and extended warranty however, it is not showing up that I have any on my vehicle.
Consumer complaint received 2017-09-09
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. (MI)

It appears that my information is impacted in the security breach from Equifax. I checked Equifax 's site after their recent security breach to seen if I was impacted. In addition, I received an email from XXXX XXXX XXXX on XXXX/XXXX/XXXX saying that my account was locked for multiple attempts to sign in. I have not accessed that account in over XXXX years. I would like to file a complaint against Equifax and hold them responsible for any negative impact to my credit or finiancial state. I am contacting the credit bureaus to place a fraud alert once their sites are available ( sites are currently down due to high traffic with this incident ).
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

Credit Corp Solutions filed a lawsuit against me for unpaid debt on what I strongly suspect is a fraudulent credit card account opened in my name. The debt amounts to a total of {$1600.00}, due over 2 years ago on XX/XX/XXXX, with a statement closing date of XX/XX/XXXX. The original issuer is XXXX XXXX XXXX XXXX is the attorney for the plaintiff, and the pretrial conference will be on XX/XX/XXXX at XXXXXXXX XXXX 

I logged into that Credit Corp account and checked the contact details ( I don't have access to the account details ). I discovered some key things : 1 ) The email listed on the Credit Corp account is not mine -- I recognized it immediately as my sister 's. This explains why I hadn't received any emails for the past ~3 years. Receiving the pretrial conference notice was a complete surprise to me. 

2 ) That same email also appeared on my credit reports with XXXX, XXXX, and XXXX. 

3 ) I never lived at the address mentioned in the trial notice, which I also recognize as my sister 's previous residence. That address appeared on my credit reports too. So I disputed both the address and email with all the 3 aforementioned credit bureaus. 

4 ) Whoever opened the credit card account did so using my middle name, not my legal first name, so that's another mistake they made. ( I don't want to jump to the assumption that my sister was responsible for this, I don't know if she was framed or not ) 5 ) I don't recognize the charge that I owe the debt for, which is a " Promotional Purchase. '' I tried to look at those above transaction details to know more, but I came to a dead end because of these obstacles below : 1 ) XXXX account. I tried to check 1 ) the account details and 2 ) the transaction history, but I don't know the original account number besides the last 4 digits mentioned in the trial notice. I asked XXXX 's customer service for the Account ID I need to log in, but they just forwarded me to Credit Corp Solutions, so XXXX became a dead end. 

2 ) XXXX XXXX XXXX account. My First Name is wrongly listed too, but I haven't found any other relevant information about the fraudulent credit card account.

I think I've exhausted all my options for founding out more about this fraudulent account and what the transaction history looks like. My pretrial conference is in 3 weeks and I would like an investigation into this case. I hope to get an answer soon if at all possible and have enough time to prepare before the conference.

Below I attached my credit reports ( disputes still pending ) which show that fraudulent address, as well as a screenshot of the contact detail on the Credit Corp account.
Consumer complaint received 2023-06-20
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)

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX .Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX  XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, W2, and current Bank Statement as verification of my ONLY address.
Consumer complaint received 2017-05-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Quality Lenders Inc (SD)

I informed  Quality Lenders  in writing that my checking account was negative and not attempt to withdraw money because it would send my account further into the negative and bounce the EFT attempt, on  XXXX   XXXX   Quality Lenders  sent through two {$80.00} checks, when my normal payment was {$80.00}, which of course both bounced and gave me returned check fees and sent my account even further into the negative.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (MI)

I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2016-05-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Kohn Law Firm S.C. (WI)

I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-01-04
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 — Problem with personal statement of dispute
Company: Penn Credit Corporation (MN)

PENN CREDIT CORP ( Original creditors ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX / {$1700.00} ( Open balance ) Dispute resolved; customer disagrees Last reported XX/XX/XXXX I moved out XXXX of XXXX back to Minnesota because my mother had a XXXX and had to care for her. I called XXXXv to stop my account .. thought they did and never realized it was still active until XXXX of XXXX when I was apt shopping in Minnesota that this was still active .. asked them to help me and do more research and they said all info from XXXX was nolonger available due to new system. Ive disputed this multiple times with no results. Please help remove. The charges are not mine and everything was paid off and should have been closed indefinitely. 

XXXX XXXX XXXX  Amount past due {$1300.00} Charge off Account not mine .. tried to dispute .. they have no access to info..
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FirstCash, Inc. (CO)

PLEASE NOTE : This is a second complaint that your categories for reporting do not address but ultimate matter pertains to retaliation for submitting a previous CFPB complaint and being denied a pawn loan and sell. This matter was video recorded and the evidence can be submitted per request. 

On XX/XX/XXXX, XXXX I went to a different First Cash location in order to avoid interacting with the staff at the XXXX XXXX XXXX who have an active complaint both with CFPB and with First Cash, the company. I perceived that perhaps, I would be interacted with differently at this location. The exact opposite occurred. 

I requested two things : 1. to receive a print out of my account history which they provided and 2. asked them if they would be interested to either purchase or provide a loan for a bike. This bike is one I had purchased from them over a year ago, sold back to them, and purchased it again. The original location of this bike was the pawn store so this is not an item that should be under any question of my ownership. 

Unfortunately, XXXX, the same individual who was at the other store location, was working at this store. He walked outside with me to look at the bike, recognized it from being in their inventory, and said " I recognize this. I know its from our store. Odd comment to make. He said that " because you are investigating us and made complaints about us, I can't give you a loan or buy this bike '' I replied " really? '' XXXX said he would need to contact his district manager and ask her how she wanted him to proceed but because I complained, they are not able to give me a loan or buy the bike. 

XXXX 's statement " because you complained '' as the reason for denying a loan to me falls under clear retaliation. He did not cite any other reason for denying the loan or the sale of the bike back to them. He reiterated this once we were back in the store in front of other customers denying me of my privacy and causing further embarrassment of this completely inappropriate conversation and comments. 

This is the second situation that now indicates a clear pattern of discrimination in lending. 
The interaction was video recorded. The file is over XXXX but can be provided by XXXX XXXX or on a CD upon request. It's too large to submit with this online complaint form.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from XXXX. As such I have requested that XXXX delete the late payment on this account due to not providing me with any evidence that I was late on this account.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I've been trying to open a simple business checking account at Chase for the past month or so. I submitted my application but was then required to submit other documentation. I was informed that I needed to call their XXXX number. I called on XX/XX/23 and the woman who answered became very annoying. I think her colleague was being very annoying behind her. In any case, the woman had no idea what a Delaware LLC was and stated that Chase did not do business with Series LLC ( s ). I'm not sure if this is correct but this is what she stated. I called again yesterday and a man named XXXX, picked up. Again, this guy was very unprofessional and annoying. The call lasted about 6 minutes. He stated that he would have his supervisor call back. I did not receive a call back but received an email instead. I'm not sure what's going on with the customer service centers but this is getting out of control. I had a similar situation with the credit card from XXXX.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

I called Citibank to ask that my Citi Double Cash card be upgraded from a XXXX XXXX to a XXXX XXXX  XXXX. I saw online this is possible and my credit limit qualifies, as it is above $ 10k. The customer service representative told me that it is possible for other accounts but not mine. I feel this is discrimination and wrong. I should have the same right to have a XXXX XXXX XXXX as everyone else :