davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
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. (NY)

Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from Transition and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX  and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have beeXXXX XXXX  XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (FL)

Trying to close my Robinhood Marketing account. They are refusing to release my funds to my verified banking account. 
I have tried resolving this and I just keep getting put back into the automation cue for a week now.
Consumer complaint received 2018-10-10
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. (OK)

I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX credit report and XXXX credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.
Consumer complaint received 2024-03-12
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX 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 2024-03-12
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. (MA)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2022-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TN)

Franklin collections is trying to collect a debt for XXXX which is not my account. It is fraudulent account! 
It appeared on my credit report as a collections I have disputed it through the creditor but have heard nothing back.
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My XXXX Great Lakes loan was 1 loan for 1 year of college. I initially received an e-mail notice on XX/XX/XXXX reflecting my one loan being transferred, however when it got transferred to Nelnet, they split my loan into 5 separate loans!!!! When I noticed this I disputed this on my credit report and was told it was not in violation-how!? I then opened a complaint with FSA ( Case # XXXX ) and they sent me some automated information. I am pursuing my XXXX XXXX XXXX  and when I took out the loan I was sent an email on XX/XX/XXXX by Nelnet saying I would be in deferment for my loan and did not owe anything. I double-checked on the website and it said I still owed on both my XXXX and XXXX loans. I then completed their steps and said I was in school and it said that all of my loans qualified for deferment. I didn't hear anything else for almost a month. When I checked my bank account yesterday, XX/XX/XXXX I noticed a withdrawal coming out. I was upset so I called the line and they had a 45-minute wait. I requested a call back and when they called back I explained both of my issues and how they were incorrect. The girl on the phone told me I should consolidate my XXXX loan and I stated that it should've never been unconsolidated in the first place and I didn't want it to affect my loans or credit any and she said she wasn't sure and would transfer me to someone else. I then informed her that they should also not be taking any payments from my bank since I should be in deferment, and she said let me speak to someone about this. I waited on hold for approximately 10 minutes when the phone said " XXXX XXXX EASTERN TIME '' and hung up on me. I am trying to do the right thing and they are unresponsive to my requests. They mishandled my XXXX loan and took money from my bank erroneously. I also double-checked my email and it looks like on XX/XX/XXXX they removed the comment on my credit report that I disputed the error. Please HELP!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These XXXX  Accounts have violated my rights According to FCRA ; 1. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX. 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED! 
a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Consumer complaint received 2023-02-24
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$29.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$29.00} XXXX XXXXXXXX Balance : {$740.00} XXXX  XXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$1800.00}
Consumer complaint received 2024-03-12
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. (LA)

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 XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX and list of Inquiries. 


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 2023-10-24
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: Experian Information Solutions Inc. (NY)

Experian is still reporting an account that I disputed back in XXXX called XXXX, that same account was deleted off my XXXX consumer report because they failed to vertify the account. Everything must be exact on all CRAs
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

I opened the credit card for Goodyear ( through Citi Bank ) on XX/XX/2018 when I got a job done for {$630.00}. The account was immediately opened and I was able to use it then. This was the only time I used this card. They were supposed to send me a physical card, and when I did not receive it in 6 weeks I called and found out my balance was over {$1200.00}. I live in Florida, and there were two charges made in XXXX, KY where I had previously lived. There was a cash advance ( Im unsure of that exact date ) and then a service job done for {$660.00} done on XX/XX/18. The company had send my physical card to an address that was never on any applications, and one that I havent lived at in over years, in a completely different STATE than where I was/am currently residing in. After I found this out I immediately opened a fraud alert and then made a police report. I told the company the only purchase I made was on XX/XX/XXXX and all others were fraud. I had to open a fraud case 3 separate times with this company ( that they kept denying ) until the last person said there was nothing they could do, and that I was responsible for the charges. Now, the company keeps charging me outrageous interest and fees, and god knows what else, and my original balance of {$630.00} is now at {$2500.00}. I sent a letter to the Billing Department about 3 weeks ago ( week of XX/XX/XXXX, I believe ) and have not heard from them.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: KEYCORP (SC)

On XX/XX/XXXX, I attempted to pay KeyBank in my member portal for {$290.00}. When I submitted the information to their system. An error message came up that says wait 5 minutes and try again. So I stayed on the site and tried to make the payment after the wait when I went to make the payment this time. I entered {$300.00}, and the same thing happen. The system told me to wait five minutes and try again. On the third attempt, I waited a little more than 5 minutes and tried to make a payment for {$300.00}. The same thing happened for the third time. 
On XX/XX/XXXXh, I got three emails saying thank you for your payment for three separate payments. So I immediately contacted the Lender on Monday and explain what had happened and what the message said. The lady on the phone said that they would refund the money and could not explain why it gave that error but could see three separate payments.

On the 21st, my bank charged me an overdraft fee, so I contacted the bank again and said I don't have the money back in my account, and now I have a fee. The person on the phone said we are giving you the money back, but we won't pay the fee. These people are liars, and the issue was within their system, not from me overdrawing my account.
Consumer complaint received 2021-02-19
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. (MI)

I am requesting an EXPIDTED Dispute resolution since this is the result of XXXX 's system being hacked. This is a correction for complaint # XXXX from XX/XX/2021. The balance I provided of {$250.00} should actually be {$280.00}. The inaccurate information originated from XXXX systems being hacked and they have NOT yet corrected. I must have this corrected ASAP.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (CA)

In XXXX I switched phone companies from XXXX XXXX XXXX to XXXX. I paid my last bill in full to XXXX XXXX XXXX. I called and verified that I was clear of all debt and account closed, XXXX XXXX XXXX confirmed this. Within 1 year I received letters and phone calls about a XXXX XXXX XXXX dollar debt owed to XXXX XXXX XXXX that went to collections. I do not remember the name of the first collections company. Again i called and confirmed with XXXX XXXX XXXX and they told me they we're in no way associated with the collections company and that i owed nothing. 
Eventually after tons of harassment and me telling them I spoke with XXXX XXXX XXXX, they stopped. Now around 6 months or so ago, a new collections company is calling daily, sometimes twice, and has sent mailers as well. AFNI, is the name of the company.
Consumer complaint received 2023-10-24
Product: Credit reporting 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. (MA)

I submitted all of my documents 3 times already and my 2 credit cards regularly report my activity to all 3 credit bureaus, but only one - Experian- blatantly resist to create my profile/ falsely claims my profile does not exist. It does with 2 other bureaus, but not with Experian. I need to have a profile there. with correct information and regularly get my annual report, per request./
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-03-12
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. (IL)

I have no association with the listed inquiries and did not authorize any credit application or request that would warrant a hard inquiry on my credit report. This inquiry is not reflective of my financial activities, and its presence is damaging to my credit score and financial reputation.
Consumer complaint received 2023-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

This debt doesn't belong to me. It is to be charged to a business. After speaking with these people and them calling me from different phone numbers and explaining to them this belongs to a business and not me personally they said oh well it is in your name and not the business when in fact, i did explain each time it shouldn't be and they should contact the originator of the bill for clarification.
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (GA)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (GA)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Im disputing account XXXX XXXX XXXX  : XXXX, for reporting inaccurate information the original creditors are XXXX not XXXX XXXX, reporting inaccurate balance of {$880.00} instead of {$750.00}, this collection also reporting an payment history which is an error. Failed to mark the account as under dispute within 30 days from my first dispute on XXXX XXXX XXXX 

Please delete this account. 



I would like to also request my credit report.