davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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. (PA)

( DISPUTE XXXX ) My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately, the following includes : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX total XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, 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. (TX)

Wrote to Equifax requesting 2020 free credit report requesting corrections of removing negative items over 7 years in XXXX and they just ignored me and violated my rights by 1 ) NOT sending my FREE Report 2 ) Refusing to remove items of negativity XXXX yrs according to Texas and 7 years I assume since I did not receive in 2020 Still today XXXX  has NOT sent me any credit report which violates my rights and affects my buying power at the correct APR and affects my score. This is not fair to the consumers they have caused my credit score to be incorrect affecting my buying power and APR. With all the negative items I should have been at or close to score of 750 or more and they have caused me to pay more interest for a purchase because of their neglect to remove negative items my score was incorrect and I was charged a higher interest rate. 

What do I do to get compensated for having to pay more probably $ XXXX interest when it should have been less interest if my score was correct? 

So what happens now since they have violated my rights and how does all of this get resolved including getting the {$4000.00} plus back for them not correcting items and removing items for my score to have been corrected. 

Sincerely, CP XXXX Attachment : XX/XX/2020 XXXX
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX  I was scammed a total of {$1300.00}. I had received a very convincing receipt from XXXX for {$500.00} regarding purchasing XXXX. I called the customer support line to refute this charge. The number was XXXX. I was in a panic because this was a lot of money. The man on the other line who was very convincing as a customer service agent had claimed that the purchase came from Texas. To verify who I was and where I lived they wanted to verify my IP address. In doing so they told me to XXXX  them and the money would come straight back. I was to XXXX XXXX XXXX  ( XXXX ) ( XXXX ) {$1300.00} who I believed to be the supervisor which would send right back. Again in a panic without thinking I sent the money to which it was never returned. I immediately went to my nearest Wells Fargo and explained the situation. We then made entirely new bank accounts for me but was told they were not able to cancel the transfer even though It was not even half an hour since the money was sent. XXXX would do nothing and claimed that my bank ( Wells Fargo ) had a chance of fixing this. This XXXX transfer happened under false pretenses and should not be considered valid. It's been over a year and I'm still trying to recover from this wrong that has been done to me. I don't understand why I've been refused justice and it's been incredibly disheartening that Wells Fargo has no sympathy for their clients who put in their trust and money which keeps them running. {$1300.00} may not seem like a lot of money to Wells Fargo but it is to many people. That amount of money can really help others like me. I plead my case that Wells Fargo does the right thing and consider my scam and making it right. Thank you for your time.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NV)

XXXX  at Citi Costco Card, XXXX requires that I receive a text message in order to complete the purchase of airline tickets at XXXX XXXX. My land line telephone can not receive text messages. Consequently the purchase of the airline ticket is denied. I routinely buy airline tickets from American and other carriers. According to XXXX, XXXX initiates the pop-up window explaining the code to be texted, that then must be entered to complete the purchase. 

The problem, I can't receive a text message with a code. The purchase does not execute. 

XXXX has plenty of protections to void any fraudulent transactions. But I shouldn't be denied the routine purchase of airline tickets at XXXX XXXX. 

My XXXX card is the Citi card with XXXX. XXXX is doing a disservice to those that don't have a mobile phone when making an airline reservation or other purchases. I have asked XXXX to prevent this from happening on my card, but they seem unable or unwilling to do so. They are not protecting me with their pop-up process. They are denying me the ability to make a routine purchase with a vender that I use on a regular basis. I have to call XXXX XXXX and explain the problem every time I make a purchase. 

XXXX wishes to call it fraud prevention, it is really an unnecessary inconvenience for good consumers that pay their bills on time. 

I'm discriminated against because I simply don't have a mobile phone when making a purchase. I have a high credit rating and pay all my bills on time. Maybe I need another credit card company?
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

On my credit report for XXXX, I have two inquiries that I did not do. One from XXXX and one from XXXX. Both are from XXXX. I wrote them letters twice, they were both sent back to me saying return to sender. I have called them on several occasions and they said they have no knowledge of these inquiries. However they will not remove them from my credit.
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ASSOCIATED BANC-CORP (WI)

On XX/XX/XXXX, Associated Bank put my account under review. I understand that this happens but I have still not been provided with a reason and the Account Manager, XXXX XXXX, has refused to answer any of my calls. It is XX/XX/XXXX and I don't understand why I'm unable to access my account without any information. This is extremely poor customer service. Further, I opened my account on XX/XX/XXXX and I haven't even received a debit card yet. When this matter with my account is resolved, I will be closing my Associated Bank account.
Consumer complaint received 2022-10-20
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. (MS)

XXXX XXXX  and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

This is what was sent to each credit bureau : Equifax, XXXX, & XXXX Notice To Agent Is Notice To Principle Notice to Principle Is Notice To Agent RE : Violations of Consumer Laws and FTC laws/guidelines To whom it may concern, BE ADVISED, this is not a refusal to pay. I dont accept or deny this debt account, and this is not a request of validation of this debt account. Im writing you to let you know that youve violated FTC laws/guidelines and my consumer rights. 
According to the Gramm-Leach-and-Bliley, Also known as the Financial Services Modernization Act of 1999, Debt collectors are Financial Institutions. Why is this important? Let me explain. 
According to 15 USC 6802- Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX  Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX  Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX  XXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-20
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. (MS)

XXXX XXXX  and XXXX XXXX XXXX XXXX are violating my rights as a consumer. I began notifying the consumer reporting agencies that they were violating my rights on XX/XX/22. I also notified them on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. XXXX XXXX has removed the accounts from my file. 15 US Code 1681 Section 602 a says I have a right to privacy. No consumer reporting agency can furnish an account on my file without my written consent. I have not given anyone written consent. This is identity theft. 15 US Code 1681 c 2 says a consumer reporting agency will block any information on the file of a consumer that the consumer identifies as information that is the result of alleged identity theft within 4 days after the day of receipt. These accounts are still reporting. XXXX  and XXXX XXXX are also committing tax fraud. The IRS says it is illegal to report a charge off. According to them this is income. I am demanding they file a 1099 C and I would like the audit trail of these fraudulent accounts. They both are 15 USC 1681 e ( b ) by not reporting 100 percent accurate information. I am demanding that they follow 15 1692. ( c ) and cease all conveying of information directly to any person through any medium. The communication is the reporting of these accounts to my credit file. My consumer report is the medium. Your deceptive practices have caused me great mental distress and caused me to lose faith in our banking system. I demand that these accounts be removed immediately.
Consumer complaint received 2021-01-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (AZ)

I sent in a debt validation letter and a cease and desist letter XX/XX/2021. 

The company replied XX/XX/2021 that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature. 

XX/XX/2021 I resubmitted my request with a debt validation letter and a cease and desist letter with the required info to find my account. I added my previous address along with my social security number and my signature. 

The company replied XX/XX/2021 with the same exact response as the previous letter. Stating ... that they are unable to complete there investigation into my dispute because it was missing critical information needed to find my account. The company told me to resubmit my request with primary account holders name, previous mailing address, account number or social security number, and customer signature.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Our mortgage was transferred to Carrington Mortgage Services last XXXX. They claimed that we had no insurance ( not true ) and requested that we submit proof of insurance or else be charged for their " forced insurance. '' I submitted insurance information twice, most recently on XX/XX/2023. I also twice gave them the contact information for our insurance agent. They have continued to take an extra XXXX XXXX/month from us, and have not corrected the situation. I just spoke with them again today and got the same story : Submit your policy, provide contact information for our insurance agent, wait another 5 business days. I have no reason to think the outcome will be any different the third time. This seems like a scam to me, and they should not be allowed to take money from our bank account as they have, and not to respond to the information that I have provided them. I have spent hours on the phone with them and provided everything they have asked for, now three times. We have had this mortgage for 22 years with several different servicers, and have never experienced this kind of harassment.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (TX)

In XX/XX/2022, i was alerted by my sister that {$1000.00} was withdrawn from our joint account with N.C. State Employee Credit Union. After looking for more suspicious activity, I discovered that several thousand dollars had been fraudulently transferred electronically over several months across all 4 of my accounts ( my personal checking, savings, my joint checking, joint savings ). This was done using account and routing numbers. No debit card activity detected.

my credit union told me that because it happened over 60 days ago, there was nothing they could do. they gave me an affidavit to bring to file police report. I closed all four accounts and opened up four new accounts. the police detective has been trying to reach the credit union to get transaction details, including bank transfered to, computer IP addresses, etc, but the credit union will not cooperate. They tell both the detective and I that they do not have this information. I have lost $ XXXX. 
i closed all 4 of my accounts that have been compromised and opened up new accounts. in the past month of opening the new accounts, the same fraudulent activity has occured and I have lost an additional $ XXXX. The bank is filing a charge dispute because it is within 60 days, but I was never alerted of new suspicious activity on my account. 
I have now lost $ XXXX in my credit union and can not get any details as to where the transfers are being deposited. This is what the police detectives are asking for.
Consumer complaint received 2022-10-19
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. (TX)

15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed. 

According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-23
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

Lvnv funding. States opened in XXXX. Last reported XXXX .Dates don't jive. No payments. I No payment history for the last two years and no reporting of anything for two years. I've been homeless since XXXX.
Consumer complaint received 2022-10-19
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. (CO)

On XX/XX/XXXX, XXXX I sent a letter to TRANSUNION to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " 120 days past due " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,