davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 AN # XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2021-12-25
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 know that under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is allowing XXXX XXXX to furnish inaccurate information to my credit file. Charged off account ending in XXXX. XXXX is reporting XX/XX/XXXX for date last active while Equifax is reporting XX/XX/XXXX. This is a 2 year difference. I want the account deleted due Reporting inaccurate information. I do not want to see disputed and verified of this account. I am providing proof from my actual credit report that the information is being reported inaccurately.
Consumer complaint received 2022-12-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Open Dealer Exchange, LLC (TX)

Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my third 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XX/XX/.
Consumer complaint received 2022-10-28
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. (PA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2024-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company:  Lippman Recupero, LLC (AZ)

XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, an XXXX XXXX with ID XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX by way of approved actions by himself and/or his employees, contacted me using US mail XXXX The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and prima facia evidence of conspiring to violate the Gramm-Leach Bliley Act. This type of action of creating false belief in me that I am indebted to LIPPMAN RECUPERO , LLC is also addressed in Presidential Executive Order XXXX XXXX XXXX. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can include, BUT DOES NOT REQUIRE, movement. XXXX  profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/2023 my wife spoke with XXXX, which he confirmed that LR, LLC has my Full SSN & DOB.

He asked if my wife wanted to make payment arrangements, she told him no. She asked him to place a Cease & Desist on my account, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the Gramm-Leach Bliley Act. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.t.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-30
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-12-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VT XXXX XXXX XX/XX/2023 I am paying this bill under protest. I have told you over and over that I have never used a Capital One Card. I never authorized any payment and should not be paying late charges, finance charges and other fraudulent charges that you are assessing. I will be filing appropriate complaints with the necessary agencies and file a small claims suit if necessary. 
Again, I do not have a Capital One card in my Wallet and never will. 
You are a terrible company that is taking advantage of a person on a fixed income. 

Sincerely XXXX XXXX XXXX XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX The saga continues. 
I have tried in vain since XXXX to find someone with common sense and see that I am a victim of needless late payments and basic incompetence on the part of some foolish operating system without any human involvement. 

Phase 1. 
Once upon a time I applied for a BJ membership. In doing so they provided me with a credit card which I did not want and never activated nor used. In XXXX last year I received a statement from the previous bank that had the credit card and there was a charge n there for {$110.00} as well as a late charge. After inquiring about it I was told that it was my annual membership fee. I disputed the late charge ; it was removed and I paid the {$110.00}. At that time I told, BJs in writing that I did not want a card and never did. 
In XXXX I received another statement for a late payment and late charge as well. I disputed both. Evidently it took 2 weeks to process my check for the payment and it was deemed late. As I tried to explain to some person in a remote call center. I do not have an account, never used it and BJ-s placed a balance due on it without my approval and I should not be held accountable. 
Never heard anything and of course now the bank has changed to you folks at Capital One. 
So same message, I did not activate the new card, I never used the old one and I do not want a Capital One card in my wallet. So please remove me from any system that you have. My attempts to contact BJS has been futile and once again Phase 2. 
On XXXX I spoke with an agent and she indicated that late fees would be waived and all I had to remit was {$27.00} Which I did ( exhibit 1 ) and you sent it back as the check was destroyed when your processing machines opened the envelope. I promptly replaced the check and you cashed it on XX/XX/2023. Today I receive yet another late notice, with late fees and a totally different amount. ( {$69.00} ) So, Im done. I paid this amount due ( {$27.00} ) even though I never spent or charged XXXX XXXX on your Credit Card. Im not paying another cent and suggest that you take me out of system and start using common sense vs some AI system. 

And it would be nice if you could respond as this is my 3rd attempt. 

Thank You XXXX XXXX XXXX
Consumer complaint received 2024-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (TX)

XX/XX/XXXXXXXX   -Spoke, name not remembered, but agent is tied to their internal Case # XXXX. 
-Agent was dismissive when asked to assist. 
-Agent advised that I had missed my employer deadline and knew what it was, so this is the consequence. 
-I asked agent to walk me through the form, agent did not, only said to fill in the fields and send it to them. 
-Asked what to put in Custodian information, he said Wife 's information. 

On the form, Under XXXX  custodian address, it states, " Permanent Address. '' No definition of what " custodian '' means. 

XX/XX/XXXXXXXX  -Received an e-mail that my request couldn't be completed due to missing or wrong information. 

-The custodian address was entered as a beneficiary address. The form required the institutions permanent address. Based on the information provided on XX/XX/XXXX, and the unclear form fields, I had not filled it out correctly. 

-Agent did not define trustee vs. custodian vs. beneficiary, nor did the form. 

XX/XX/XXXX -Spoke with XXXX who advised I was provided with improper information and that had I spoken to her initially, my request would be processed appropriately. I needed to resubmit the form to have my saving account transferred. 

-Transferred to XXXX , supervisor. Case # XXXX- stated that because the new account was in my wife 's name, I could not transfer my money into that new savings account. My only options would be to keep or close the account ( with manual contribution ), and to speak to a tax advisor for specific requirements and penalties of moving the money should I choose to ... XXXX had also provided incorrect information. 


SUMMARY : XX/XX/XXXXXXXX  - The agent was negligent in their duties to ensure that conducting business with me was easily understood. This led to the incorrect form being submitted with the improper information. The agent was discriminatory in implying that I wasn't aware of deadlines, etc., I suspected whether he treats all clients like this in a similar situation, or just because my last name was XXXX. 

XX/XX/XXXX - Agent provided clearer instructions, treated me fairly, but still advised of improper action. 

DAMAGE : Potential for financial impact, ability to pay medical expenses, new account admin fees, and new tax implications that could reduce available funds in the Savings account. This experience has felt unfair, abusive, and discriminatory in nature. In the very least, Optum Financials ' agents are not properly trained. A financial institution should not operate in this way, especially one that handling Savings Accounts for medical expenses and Investments. I hope that this aids in holding Optum Financial accountable and prevents experiences like this with other clients.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

My son passed away unexpectedly last XXXX. Upon contacting XXXX regarding his outstanding student loans, I was told to submit an original copy of his death certificate in order to determine whether or not they were forgivable as shown on the XXXX web site. The death certificate was not finalized until XXXX. I immediately expressed an original copy to XXXX for which they did not acknowledge receipt. 

Beginning immediately after my son 's passing and extending until the issue was settled, I received calls at my workplace from XXXX employees with no details. They would state the account was past due and ask for payment. I would explain my son had passed away and we were waiting for the death certificate. The callers would always promise to " ... make a note in the file. '' but the next week another employee would call with the same script. I also received form letters and e-mails with no specifics. 

One telephone conversation resulted in copies of the loan documents being mailed to me. I did my own research and concluded the loans were privately funded and therefore not eligible for forgiveness. I paid the loans in full including added interest. 

Despite XXXX forcing me to recount my son 's passing weekly for several months, failing to acknowledge receipt of his death certificate, offering no help determining the loan status and being paid in full including added interest for the months they wasted, they chose to report me unfavorably to the credit bureaus. A request to XXXX to rectify the situation was met with the XXXX response that their records do indeed show me paying late. 

XXXX may be on the cutting edge of automated loan administration, but their system is painfully XXXX
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (FL)

Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX XXXX  XXXX. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (WV)

I get repeated and constant calls and voicemails from them. Theyve now started sending texts to websites I dont know if I can trust or not. They call every single day. I HAVE told a couple of them to stop calling but theres two agencies that keep calling so I dont know which one I told.