davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-03-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 


Account name XXXX XXXX Account # : XXXX. 
Date Opened : XX/XX/2023. 
balance : {$6500.00}
Consumer complaint received 2023-03-10
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)

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 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 a 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 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (SC)

This complaint is regarding American Express Membership Rewards program. 

On Tuesday XXXX XXXX, 2019, I tried to transfer some points to an airlines company, hoping to redeem points for a flight. At the last step, Amex website told me my points are not available because my account is being reviewed. 

I have had my card for several years. Amex did not notify me of the unavailability of my points at any time. The fact that I only know my points is useless when I need them is a clear violation of their terms of service.
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ME)

Annually since closing on our mortgage and having it sold to XXXX XXXX XXXX in XXXX, XXXX, they have failed to pay my property tax on time out of our escrow account. I always upload the property tax bill ( despite being assured by the town that both XXXX and myself receive a copy ) and then I always receive a delinquent notice from the town of XXXX, Maine, and have to call XXXX and prompt them to make the payment. They annually have to send me a " Taxes Paid After Due Date '' notice where they tell me the bill was paid and the late fees were covered. 

In XXXX I told them I was happy to work together, but that we were going to find the root cause of this so that it does not happen every year. I confirmed the contact info and payment methods from XXXX, Maine, and I also provided the town of XXXX with the full contact information from XXXX. They told me the issue was resolved and once again they sent me a " Taxes Paid After Due Date '' notice. 

Then on XXXX first we picked up a certified letter from the town saying that my XXXX Property taxes were never paid and that we have three weeks to make the payment or a lien is going against our home. We spent hours in the town office trying to talk to XXXX, who first claimed they wired the payment ( to where? ) and then claimed right after that a check had been mailed, despite all the money sitting in my escrow account still and the town never receiving the check. The address to send the check to was confirmed over the phone, and the call center rep said he was not authorized to send checks but that he would forward the case to someone who could within 2 days. 

The following Friday XXXX called and told me the issue was fully resolved, and the XXXX and XXXX taxes were paid. I asked them to clarify what they meant by paid, and through what method, and after some stumbling and circular questions they told me that a check had been sent by certified mail and was confirmed delivered ( Mind you, the XXXX town office isn't open on XXXX... ) So Tuesday ( XXXX, today, ) when the town office was open again, I called to see if the check was there, and it was not. 

At best, XXXX is definitely guilty of serious negligence and carelessness. I should mention that every past notice of Taxes Paid After Due Date from before XXXX is magically no longer in the message center on my account. This time I have printed this year 's statements and I have the past years ' email notifications of when the statements were uploaded to my account as proof that they used to be there. 

I am left feeling like I have two weeks to pay my property tax out of my pocket despite a full balance of money I responsibly paid sitting in my escrow account. Some serious transparency and process review is needed. I'm certain this broken system has left others who are not healthy enough, educated enough, or privileged enough to fight for themselves with permanently damaged credit scores, if out being outright unhoused. Thank you for your review.
Consumer complaint received 2023-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (TN)

on XX/XX/23 I had made a instant transfer {$50.00} from my Venmo account ( XXXX ) to my XXXX  account ( XXXX ). 
Transfer never made it. Spoke with XXXX at Venmo ( see attached docs ) he said the transfer made it to XXXX. I spoke with XXXXXXXX XXXX XXXX XXXX  at call center, he said {$50.00} never made it and theres nothing he can do. Told me to have Venmo pull it back and credit my account. Venmo won't do it. see attached docs. 
Someone or a company has my {$50.00}. I want my {$50.00}!. I will escalate to XX/XX/XXXXor Atttorney General if needed.!
Consumer complaint received 2023-05-24
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-10
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)

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I called both creditors directly and they told me they would Not remove the inquiries from my credit report. 

XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XX/XX/2021
Consumer complaint received 2019-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA (PA)

I had a visa credit card account with First National Bank of Omaha. I could only access the account and received statements for the account online via website with login credentials. I lost those credentials in XX/XX/2018 and since then have not been able to access the account. In mid-XX/XX/2018 I received notice of civil action from the county court of PA stating that another company XXXX XXXX XXXX XXXX is suing me for what they allege to be the balance of that cc account. I do not know nor have ever done any business with XXXX XXXX XXXX XXXX. When I contacted the First National Bank of Omaha, mid-XX/XX/XXXX, to resolve the account they said the account was already sold and they could not provide any further information. Both First National Bank of Omaha, and XXXX XXXX XXXX XXXX failed to notify me of the outstanding balance or the sale. Neither First National Bank of Omaha, nor XXXX XXXX XXXX XXXX contacted me otherwise regarding the outstanding balance or the sale. The civil complaint is the first notice of this outstanding debt. Additionally, XXXX XXXX XXXX XXXX is attempting to include their court costs and fees to the alleged outstanding balance. I did not authorize First National Bank of Omaha to sell my personal information to XXXX XXXX XXXX XXXX or any other company. First National Bank of Omaha should have contacted me before selling the debt and allowed me the opportunity to resolve the debt. I would like to resolve this matter without additional or unnecessary costs, and without unfair legal proceedings or reporting.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX : {$2400.00}
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

On or around XX/XX/XXXX I applied for a XXXX XXXX credit card from XXXX XXXX XXXX XXXX. On XX/XX/XXXX I received a email that I was denied for a line of credit due to the fact that my fico3 score did not meet their criteria of XXXX above. So I contacted logged to my Experian account to check my fico score and to my surprise I have a score of XXXX dated back from XX/XX/XXXX I called Experian and asked for a updated fico3 report from leader in management and I was advised that I couldn't and wouldn't get a updated version of my fico3 report if I didn't purchase a membership & subscription.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (TX)

I downloaded the XXXX XXXX on XX/XX/2023 and borrowed {$75.00} that was to be repaid from my bank account on XX/XX/2023 along with a {$6.00} fee. The loan was repaid on time. When you download the app it takes you through several prompts before borrowing offering, savings, investing, etc. You are not given the option to decline but the app says you can withdraw the auto savings and investing and cancel your membership at any time. The membership is {$14.00} per month. I have been trying to cancel the membership since the loan was repaid and the app will not give me the option to cancel. I keep getting an error saying I am unable to cancel because even though I withdrew the auto withdrawal savings and investing they took from my account, I have to wait for the transaction to clear. It is a scam. I have tried to withdraw several times and they will not let me close my account with them. Their practices are unethical and simply are designed to ensure a consumer pays them {$14.00} per month. Please assist with helping me to close this account and stop them from taking money from me every month. Thanks
Consumer complaint received 2023-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC (LA)

I have sent this company, several letters asking for validation, if they had the right person, the right to collect in my city and got nowhere, no response to the letters, I sent a letter and asked them to cease and desist, contacting me and and stop reporting on my credit report and they are reporting inaccuracies, the company contacted me afterwards after I asked them not to!!!!
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (CO)

I found out on XX/XX/23 that my checking account with Money Lion Bank had been closed due to unusual activities. I checked my transaction history and there was nothing unusual. I had approximately {$350.00} in the account with pending bills coming out later in the month. When I contacted the company through chat I was informed it was closed due to unusual activities again, I asked for them to explain what unusual activities. The had no response. I then called the The bank again to speak with someone and Asked what unusual activity they had seen, and asked them To explain it to me. They had No explanation. 
I told them that All of the transactions on the account were normal and that nothing was unusual. The gentleman informed me that if I approve of the transactions, If I submitted my Driver 's license and proof of address they would reopen my account. I submitted the forms, a few minutes later I got another email from them saying my account was closed indefinitely and there was nothing they could do. I called them again And ask if my account was going to be Reopened? They told me no that it was closed indefinitely due to unusual account activity. I ask again what account activity is there something I am not seeing? They said there was nothing they could explain and that the account was closed. I had approximately {$350.00} in the account with pending charges at the end of the month coming up. I have no way to pay these bills now. And no way to recoup the money that was in the account because they told me they would send it to the fund originator and the business I work for It's not set up to take returns on money that they send out for payroll. I feel as though that this bank is predatory. And they took my money with no way for me to pay bills or recoup the money From them I could open another count somewhere else, but how Am I supposed to get the money back from them?
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (OK)

I have had numerous calls to recieve the original purchase agreement to show that they are the legal owner of the debt and for the terms and agreements of the debt since late spring around XXXX or XX/XX/2022 and XXXX of 2022. 
I have asked for all the documents to be sent to the adress in oklahoma but has never recieved any sort of paperwork for any documents requested. Furthermore the reason for my request is to see if there were any H.I.P.P.A violations.
Consumer complaint received 2023-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (NV)

A woman with a familiar voice claiming to be from US Bank continues to call and try to collect a debt for a long period of time. She goes by the name XXXX XXXX. The XXXX number is not listed online for US Bank XXXX XXXX. 

I also heard the same woman when I called XXXX XXXXXXXX I believe she had a different name. 
The woman i believe is a XXXX XXXX XXXX XXXX employee called XXXX XXXX. 

https : XXXXXXXX XXXXXXXX