davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting XXXX tax liens on my credit report. I have spoken to IRS they stated that have never issues any Tax Lein against my name. I went down to the court house. I was told that they do not speak or provide any information to any of the credit bureaus. They even provided me this in writing. They also check XXXX and is unable to locate my name address and Social in their system. Yet trans union is violating my consumer right and damaging my credit with incorrect information.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I am unable to unfreeze my credit file with Experian. Every time I try to go to the page that displays the option to unfreeze, I get the error saying : " Status not found We're having trouble loading your information. Please try again later. '' I have tried to call Experian and no one was willing to help. I need to urgently unfreeze my credit file so that I can apply for a credit card.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Bread Financial Holdings, Inc. (FL)

On XX/XX/2023 I invested {$100000.00} in good faith in a 1 yr CD with Bread Financial. This represents all of my savings. I am retired and on a fixed income. On XX/XX/XXXX, I requested via telephone that my interest be transferred to an outside checking account. The external account was set up and confirmed. The nightmare of incompetence and numerous phone calls began. I was told the ACH would take 3-5 business days. On day 3, I followed up with Bread to confirm it was in progress. I was told my account was restricted due to " suspicious activity '', logons from outside Florida where I live. I explained that I use a VPN, which shields my location and is a security measure. She then told me I needed to send 2 bank statements, copy of my license and social security card. I submitted those within 24 hours. I received confirmation of the receipt the following day. It would take another 1-2 days before they approved the transfer. After numerous conversations with different representatives over the following week, I was unable to get an answer as to why there was a delay. Each one gave me a different response. I finally reached a representative in their security dept who told me the restriction was never lifted and was their error. He would lift it as we spoke. He then transferred me to another representative who was clueless and unintelligible. I checked the portal which indicated that the transfer would go through. I called back, got yet another representative who then told me my CD was cancelled, I was charged {$2300.00} in penalties and the I would receive the balance back to my original account. When I told her I didn't request it be cancelled, she told me it's at their discretion due to security reasons. Please help me to get my money back from this institution. This is questionable business practice and arbitrary. I supplied all the information they asked for and in turn was abruptly cancelled. I am horrified that a financial institution can conduct business in this manner and not be answerable. Thank you for your help.
Consumer complaint received 2023-08-20
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. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IN)

A rep from Discover used a fraudulent card opening and fraudulent charge of {$700.00} to call me. Then he commented on my age ( XXXX ) and told me of a gov program to reduce indebtedness and consolidate credit card balances by using U S Debt Validators. I told him clearly I was NOT interested. I pay my debts on time and far in excess of minimums due. Presumably because of the fraudulent card charge and second card opened he said he needed to transfer me to XXXX. After verifying my identity, XXXX transferred me to another number which was answered XXXX XXXX. There I was told to stop making payments on my XXXX XXXX XXXX XXXX XXXX XXXX  etc and should only pay my XXXX  cards. I said that makes no sense. He kept insisting. I said you put whatever you are directing me to do in writing. I am not doing anything via phone. I believe the three employees of these companies were attempting to put me in the Debt Validators program WITHOUT my wanting or needing to do so. I have excellent credit ( high 700s ). They must get a reward enrollments they obtain. Subsequent to the call from Discover on Friday XX/XX/XXXX, I have received 28 unidentified phone calls from U.S. locations on XX/XX/XXXX and XX/XX/XXXX which I did not answer. My guess is 95 % were in regard to my refusal to continue talking to the 3rd call. Discover said my call was being recorded so one can check to hear how I indicated no interest, Call was XX/XX/XXXX no sure what time but it came from XXXX XXXX
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my credit report.
Consumer complaint received 2023-06-05
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. (NY)

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me 30 days past due on XX/XX/2022. Please investigate this account & please update the account to a positive status of paid as agreed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (MS)

XXXX of XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX
Consumer complaint received 2023-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

Early XXXX set up account with Nelnet, applied for XXXX plan. Was given estimate. Waited 10 days as usual. Sent email after being on hold XXXX XXXX XXXX ( with no response, and was in fact hung up upon ) saying it was still in progress. XX/XX/XXXX and XX/XX/XXXX sent XXXX identical emails saying that it was stilling progress. 

As of today, no communication since, no change.
Consumer complaint received 2023-01-11
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. (NE)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-20
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are stating that I do not have the right to opt out when in fact XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and they absolutely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked in reporting late payments under 15 USC 1666AAND 15 USC 1666B as it states " '' a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor. '' Lastly, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to thoroughly look up each and every one of these laws and understand these have been in place for much longer than the FCRA. The USC backs the CFR which the President has signed for to put in place. The USC is to enforce the CFR. Previous letters were sent as well with no response. 
I will be filing a lawsuit for improper reporting on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If Experian, XXXX, and XXXX do not remove this information from my report, I will be filing a lawsuit on them as well. See attached documentation as proof.
Consumer complaint received 2022-12-20
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)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Klarna AB (OH)

On XX/XX/22 I placed a small order through XXXX shopping at XXXX and paying with Klarna. I recvd a notice from XXXX that they put a {$180.00} hold on my debit card until my order was completed. I then recvd final receipt iao {$140.00} and I was charged immediately the 1st payment XXXX  {$35.00} on my debit card. One of the items-a playpen- was not needed anymore so i reported the return to Klarna and they paused my payments and for some reason refunded my card back the first installment of {$35.00}. They stated I needed to return it to store by XX/XX/22. On XX/XX/22 I took the playpen and the receipt the shopper had attached to the box and returned item to XXXX in XXXX XXXX. They provided a return receipt iao {$75.00} but it was credit back to a card ending in XXXX which XXXX told me is the shoppers card. XXXX will NOT report the XXXX return to Klarna so they are keeping my payment arrangements the same as if I had no return. Both stores keep telling me that I do get my refund iao {$35.00} implying that is for the playpen but it was my first installment that I had paid. I have made numerous calls to all 3 institutions but they are all blaming the other and this is still not resolved. I refuse to pay for an item I no longer have! I only owe Klarna {$67.00} and I need the amount adjusted so I can pay this and be done with all of them.Klarna is about to auto deducted the entire amount of {$140.00} and this is theft of the consumer.
Consumer complaint received 2023-02-01
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. (FL)

Equifax has violated my rights as a human being by giving out my personal information and also, by me not giving Equifax a written consent to furnish any accounts. 

According to Law 15 USC 1681, Equifax has violated my rights numerous of times. I am a natural living person and I demand the listed accounts below to be removed : ACCOUNTS : XXXX XXXX XXXX- {$8400.00} XXXXXXXX XXXX {$880.00} XXXX XXXX- {$690.00}
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (TN)

On XX/XX/XXXX I bought XXXX LTC off of Coinbase which equaled {$440.00} USD, on XX/XX/XXXX I received an email saying that my transaction was canceled and if charged ( which I was ) the money would be redeposited into my bank account within 3-4 business days. It is now XX/XX/XXXX and nothing has happened, I tried to email Coinbase multiple times and never heard anything back from them other than what seemed to be an automatic response saying that I would hear back from them soon, which I have yet to.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (FL)

The VA has overpaid me entitlements twice in XX/XX/XXXX for {$160.00} and {$320.00}, the debt was official {$0.00} as of XX/XX/XXXX, they took payments of the overpayment out of my XXXX but yet it is showing up as a collection that was paid. The first time and only time it was reported to the credit bureau was XX/XX/XXXX. I am in the middle of purchasing a home so I was told by the VA that I need to get with the credit bureau for removal the credit bureau is telling me they can't remove without the VA consent. VA says they don't issue delete letters only letters stating the payment for the debt was received. Also, the VA says they don't do third-party calls but refuse to give the credit bureaus any form of assistance. This has been really taking a toll on our family as its holding up our closing
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX, XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2021-03-22
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: Nevada Credico, Inc. (NV)

I have disputed accounts with XXXX XXXX XXXX club and Quantum Collections on numerous occasions and the account is still reporting fraudulently on my personal credit profile. This account does not belong to me as I was a victim of identity theft. The credit bureaus nor the creditor has been able to prove that this debt is mine or is owed to me. This is hindering me from moving forward with other financial obligations.
Consumer complaint received 2022-10-20
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. (CA)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (IL)

Experian is not deleting these accounts that are clearly violating my rights. 
XX/XX/XXXXThese are a violation of 15 U.S. code 1681I ( 5 ) removal of Inaccurate/Invalidated credit information. Please remove immediately.
Consumer complaint received 2023-08-12
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. (MA)

In accordance with the Fair Credit Reporting act Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

This account has reported two late payments, which is inaccurate. Ive never been late.