davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-27
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. (IL)

I was previously a victim of identity theft, I see several hard inquiries on my credit report that I did not authorize or make. I also have an account that is in collections for {$170.00} from XXXX insurance which I did not open the account. Also hard inquiries from XXXX on XX/XX/2022, 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 XXXXXXXX XXXX
Consumer complaint received 2023-01-06
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. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXXXXXX XXXX
Consumer complaint received 2018-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (OH)

I was sent a collections letter dated for XX/XX/2018 for rent owed to an apartment complex that has lied about my move out date. I submitted my letter of dispute to the collection agency and the collector that I spoke with on XX/XX/2018. They said they would investigate. On XX/XX/2018 the collector claims that XXXX XXXX says that I moved out in XX/XX/2018, which is incorrect. I have documentation that I moved out on XX/XX/2018. I had a walk through with an XXXX employee on XX/XX/2018. Before the apartment complex switched management to XXXX, I submitted my 30 day notice to XXXX of XXXX XXXX XXXX. Once XXXX took over, I called him to verify that he gave them my notice, he said that he gave all paperwork to them. I have a copy of that letter. They are illegally trying to collect funds from me.
Consumer complaint received 2024-03-19
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. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-05
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. (IL)

To remove all fraud alerts from all three credit reports and to remove lifts. Also my legal name is XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX not XXXX XXXX XXXX or XXXX XXXX or XXXX XXXX XXXX so please correct it
Consumer complaint received 2023-05-26
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)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

Equifax, XXXX and XXXX have been reporting inaccurate information regarding a Bankruptcy on my credit report. When I contact the agencies regarding this issue they keep responding with " verified '' by XXXX and Bankruptcy Courts. I contacted XXXX and the Bankruptcy courts and they reported that they did not verify any information in which I have the letters to prove it. I also sent the letters to all credit bureaus and they keep stating that it was verified by these agencies even with the proof in front of them. I want this information deleted from my credit report because it does not comply with FCRA 611 to report inaccurate information. I have attached the documentation from all agencies so you can see that they are giving false information as to how they are verifying the information.
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I submitted my application with employer certification for XXXX in XX/XX/2022. I had initially used the help tool including thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I still was working for the XXXX When I submitted my substantiation, I redid the help tool to only include the XXXX XXXX and received a notice that I am being denied due to the XXXX not being eligible. This was confusing since I never submitted anything with this information on it. 

I reached out to XXXX XXXX since they are my servicer after not getting a response from MOHELA after multiple messages. They responded after over a month to my explaining that I am a XXXX XXXX  and the denial is not based on accurate information on their end and they responded saying to call. MOHELA finally responded saying to call as well. The wait times are ridiculous. I have not been able to get through to a person yet. I have yet to receive a notice to stating an update since the information being processed is not even what I submitted. The form on their website still says processing and there are two different received dates which also doesn't make sense since I only submitted one application. 

I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am looking for assistance but getting no where.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

This is about a fraud committed on my XXXX signature credit card. There are charges remaining on my card that I reported as fraud many weeks ago. I have a new card now and the original card where the fraud was committed is cancelled. However they continue to roll the charges on to my new account number. They tell me it can take up to 30 days to resolve. Meantime I have around {$10000.00} in charges still posted on my account. This affects my credit score. They should remove the charges and then investigate but they do not. Ive called several times and am told it is in processing. Unacceptable!
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (FL)

I have a Carnival XXXX Card with Barclay. We have used this credit card on multiple accounts to take cruises and we use this card during our cruise for purchases. Barclay decided to lower my credit limit, even though we pay on time every month, never have missed a payment and continue to have exceptional credit with this company. Creditors do not understand that these decisions cause huge credit issues for the holder of such accounts. My credit limit needs restored to the limit that I was granted, and these companies need to be held accountable for their actions. If they have the right to lower credit limits and/or close accounts without any notice to the consumer, than these actions should have NO impact to the individuals credit worthiness. It is XXXX  and a violation of my constitutional rights. I work hard to pay my bills and I do not need negative impacts to my credit because these companies think it is in their best interest to punish the consumer for using the credit cards that they issued. Credit scores fluctuate all the time, and this should not be any factor in the decisions that these companies are using because our credit system in this country is in dire need of restructuring. It's amazing how they can just do whatever they want at any time with no impacts to them, but the consumers who make the money for them to keep them in business take all the downfalls. This particular credit card was just paid down enough to allow some breathing room and they take everything I paid and now my credit usage is maxed out again. Go Figure! It's wrong and this is an injustice that needs dealt with by an agency that can make a difference in the way these companies treat the American consumer.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (LA)

On XX/XX/2022, I compiled a package to send certified mail to Tower Loan XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which was received and signed for on XX/XX/2022. 

The package consisted of the following documents : 1. an Affidavit of Fact that included violations Tower Loan and its office ( s ) committed - signed and notarized, along with accompanying exhibits as evidence of said violations 2. a Debt Validation Letter to Tower Loan and its office ( s ) requesting signature, along with requested documentation that would validate the alleged debt in order for me to pay it 3. a Cease & Desist Letter to Tower Loan and its office ( s ) requesting signature, which would permit Tower Loan and its office ( s ) to contact me in writing ONLY, while awaiting their response to the Affidavit of Fact and Debt Validation Letter 4. an Invoice corresponding to violations committed by Tower Loan and its office ( s ), with each justifying a {$1000.00} fine per occurrence, totaling {$8000.00} Tower Loan and its office ( s ) were given 30 days to respond in writing, by which if not done, the Affidavit of Fact would indeed stand as fact. While waiting for their response, I was harassed repeatedly through 29 phone calls, subsequently violating the terms of the Cease & Desist Letter. Those 29 calls also violated the Telephone Consumer Protection Act ( TCPA ) 47 USC 227 ( b ) ( 1 ) ( A ) ( iii ). With accompanying proof of each call that violated this, I am seeking the allowable remedy of {$1500.00} per call, totaling {$43000.00}. This is in addition to the {$8000.00} remedy requested in the initial invoice referenced above.

Throughout this entire ordeal, Tower Loan and its office ( s ) has defamed my character, caused financial harm and sullied my reputation.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent the proof to XXXX, Transunion, & XXXX that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XX/XX/2021, XXXX & XX/XX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Consumer complaint received 2023-01-05
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. (SC)

I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2020-04-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (WA)

XX/XX/XXXX, we requested that Remitly.com transfer {$1200.00} XXXX through XXXX XXXX, XXXX, to a dear friend. We authorized our debit card for the transaction. We had done similar transactions monthly since XX/XX/2019 with no problems. 

We received information from XXXX that XXXX had a problem with the transfer. Our intended XXXX recipient phoned XXXX and was told they never received the funds from Remitly. 

We have not received a refund despite their claim refunds will occur within a week if the transaction fails. 

Remitly does not respond to our emails and the phone service ( XXXX ) does not take messages but refers us to their site. The Help site does not allow for cancelling the order - we are told to look at their information and go to the end to hit cancel, but there is no " cancel '' there. 

Thinking that perhaps I erred in my original request, my wife tried also to put through a request, using her slightly different debit card, on XX/XX/XXXX. That was a big mistake. At that time we expected a timely refund of my original request. Now Remitly holds two orders of {$1200.00} and no one at Remitly responds to our phone requests or our emails. 

Yes, we understand their staff is affected by the corona virus. But we desperately need both orders cancelled and our funds received. We can then pay our own bills and still send money another way.
Consumer complaint received 2024-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (IL)

National Service Bureau has called myself, my mom, my college roommate, my sister 's college roommate and my sister concerning a car jacking that my sister was the victim of back in XX/XX/year>. I believe it's a subrogation claim that they are seeking to recover from my sister for - although she was the victim. I have not called them back. However, they should not be phoning any family members, including our mother, for any claims or any sort, as my sister would be the target and not anyone else. We all received the exact same pre-recorded voicemail yesterday.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (CA)

XXXX XXXX opened Marcus investment savings account and deposited XXXX XXXX XXXX XXXX Account locked due to Marcus being " unable to verify my identity '' contacted them and was told they can not do anything and that my funds were lost. 
XXXX XXXX recontacted Marcus XXXX to get my funds again or so what could be done to do so was told my funds were marked unclaimed and could be received by making a case for them was told I would be sent a check within 7-10 business days which never came XXXX XXXX contacted Marcus again and was told that I had to close the account that I was told was already closed then I could receive my funds still did not XXXX XXXX was told that I would be contacted by Marcus ' claims department in XXXX to confirm my identity in order to receive the funds never received call XX/XX/XXXX, XXXX contacted Marcus and was told the account was still active and would never to submit a form they would be sending me and have it notarized and send it back in order to make the " next steps ''
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1681c-2 Dear Sir/Madam, I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 

The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX - XXXXXX/XX/XXXXXXXX ( Original creditor : XXXX XXXX ) - XXXX TRANSUNION XXXX XXXX XXXX - XXXX According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier last month : XXXX - XXXX Number XXXX - Delivered XX/XX/2023, XXXX XX/XX/XXXXTransunion - Tracking Number XXXX - Delivered XX/XX/2023 XXXX XX/XX/XXXXAttached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me.
Consumer complaint received 2023-01-21
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. (NY)

I was entered into many fraudulent agreements. I have been lied to and those lies have caused me an extreme amount of economic loss and mental anguish. With the accounts listed below, I was never given an explanation on how I can exercise my nondisclosure option Pursuant to 15 usc 6802 ( b ) ( C ). With any of them.

I have been trying to opt out from these companies sharing my non-public personal information with no availability for well over 1,000 days. My rights have been violated by all parties involved in the sharing of my non-public personal information and demand my private information be kept private. 

Remove all accounts listed below because I was not given full explanation on how I can exercise my nondisclosure option.
Consumer complaint received 2024-03-19
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: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries 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 They must be eliminate due to their inaccuracy
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.