davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I contacted Citibank to close my savings account. They said they would send the remaining balance ( about {$12000.00} ) by check to my house. They confirmed the address, which had not changed in 27 years. We never received the check. My parents are retired and someone is home almost XXXX, and we have a surveillance camera pointed at the mailbox. 

We have called every week for months, and they insist that they will send another check, but they never do. They tell us to call back in 2-3 days for a tracking number. We call, and they have no record of sending the check. They don't have a record of any check since XXXX. They have told us they will stop payment on the check from XXXX many times. Did they ever actually stop payment? Who knows. It seems not. 

It has been almost four months and we still have not received the money. The insist that we can not get it from the branch or any other way. They have stolen {$12000.00} from us and think that's totally fine. They will just keep " forgetting '' to send the check, or lose our request, and keep it forever. This money does not belong to them. It is theft, plain and simple. They say there is no one we can escalate to, and no other options.
Consumer complaint received 2023-03-31
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)

This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion owns XXXX XXXX, XXXX reported that my score was XXXX for XXXX XXXX and XXXX, until XX/XX/XXXX when it was reduced to XXXX. 
I applied for a loan with XXXX XXXX On XX/XX/XXXX. I was denied the loan and told they based this on information from TU. TRANSUNION had told XXXX XXXX That my credit score was only XXXX, nit XXXX that Transunion was showing me. 

Why is Transunion reporting to me one score but then reporting a lower score to lenders?? 

Please see attached image showing no change during the time of thw request XX/XX/XXXX. Then reference the PDF email which shows TU telling XXXX XXXX a much lower score. 

Its been my experience that if you catch someone doing fraudulent and deceptive dealings, that is most likely NOT the first time, nor the last. That's just the time I caught them.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditors : XXXX XXXXXXXX XXXX XXXX Violated Section 15 U.S Code 1681a.-Definitions : rules of construction- Exclusion-Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as a transaction or experience between the consumer and the person making the report ; 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes I need for these late payments to be removed from my credit due to the violation of my consumer report
Consumer complaint received 2023-03-31
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Consumer complaint received 2021-06-15
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)

There are 13 accts on my credit report that do not belong to me I have been disputing these since XX/XX/XXXX I need them off my credit report since they are not mine I have not applied signed or doner anything with these companies and I dont know why they are reporting incorrect information and ruining me!!!! 

XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$680.00} XXXX XXXXS - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX Opened XX/XX/XXXX {$120.00} XXXX XXXX - XXXX opned XX/XX/XXXX {$680.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX - XXXX XX/XX/XXXX {$5300.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$6200.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX {$0.00}
Consumer complaint received 2023-03-31
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. (TX)

In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 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 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 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 the information is inaccurate.
Consumer complaint received 2021-06-16
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. (AL)

I demand the deletion of the fraudulent account and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 7. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2021-06-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (AR)

Company : Transworld Systems Inc. 

Issue : Delinquent debt of {$280.00} negatively impacting my credit report found while attempting to gain security clearance for a XXXX  job. Credit Report shows account opened in XXXX. I have no idea if I owe this debt. I attempted to call the number for this company on my credit report. 

Incident : XX/XX/XXXX, XXXX XXXX  - Called phone number on credit report to resolve issue, on hold for 38 minutes, when agent finally answered, I could barely hear her due to crackling and language barrier. After repeating for clarification multiple times and agent becoming aggressive because I could not understand her, it was determined that I could not verify amount of debt owed, what debt was for or any other information unless I gave her a credit card number. Supposedly, upon submitting cc info, I would receive a verification code then they would supposedly verify the debt owed. I refused to comply as this appears to be a scam. I have never had to give credit card information to retrieve account or payment owed information.
Consumer complaint received 2021-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Sent Equifax multiple letters on XX/XX/2021 to rectify and remove negative reporting accounts. Per FCRA its been over 30 days and they have not responded. In this case Equifax has to remove all negative reporting accounts per FCRA.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

Credence resource management keep calling my phone all day every day i don't answer my phone. i know i don't owe no credit cards or no bills i check my credit report and a debt collection agency put a XXXX bill on My Credit.
Consumer complaint received 2021-03-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XXXX sent in letters regarding inaccurate reporting false items on my credit report and I have not receive any respond yet. I feel like I'm being ignored of my disputes. This deceptive practices by the bureaus.
Consumer complaint received 2023-07-07
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. (VA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

I started with XXXX XXXX in XXXX. Paid them XXXX Euro by credit card to start an account. Their broker XXXX was the contact, XXXX by signal message. He phoned at random times so I told him to cancel the deal and return the money. XXXX XXXX did all the trading, never asked me what/ how much or anything. Then the manager XXXX got on the phone and became my senior broker. All further payments were by bitcoin using XXXX. XXXX would go on XXXX and perform all the XXXX transactions on my laptop. XXXX wanted XXXX, which I paid. The trades on XXXX looked good so I then paid another XXXX by XXXX. The trades got past {$350000.00} so XXXX asked for some insurance to protect the fund, I paid the insurance, circa 40,000. The trades got better and reached about {$600000.00}, since the insurance was only valid up to {$350000.00}, I needed to top up the insurance to $ XXXX, so paid another circa {$35000.00}. 
Some trades went negative when XXXX XXXX did transactions which I told them were stupid with Gold. To trade higher than the world record was madness. I then wanted cashed out. The trades were about {$630000.00}. I then had to pay a negative trading amount of circa {$40000.00}. A franchise fee of 4 %, about {$30000.00}. We set about doing the withdrawal when apparently I made a mistake and the funds were sent to the wrong wallet, which was a cold wallet! 
XXXX XXXX, the accounts manager was now involved and needed to get some XXXX programmers involved XXXX XXXX XXXX. I need to create a XXXX bitcoin wallet, circa {$80000.00} to enable XXXX to restore the funds. This took about a week with lots of stress. When it was restored, I needed to go down the traditional banking route to get the funds back to my account since the XXXX approach had been burnt. XXXX XXXX, fees 3.4 % plus currency fees, so I paid about {$50000.00}. Also had to pay taxes for the profitable gain of {$400000.00}. I paid about $ 80K in taxes since the bank route required XXXX taxes to be paid as well as the cryptocurrency tax route. 
XXXX XXXX  sent the money to XXXX XXXX  in XXXX, so had to pay another {$35000.00} to XXXX XXXX. This was now a very risky route given XXXX were cautious over money laundering and the funds might get lost or at least queried. XXXX then decided to go back to the cryptocurrency route which required another XXXX bitcoins to be paid. Circa {$40000.00} was paid, this then needed another XXXX bitcoins to make a link. At this stage I told them they needed to help. They offered to pay 50 % for my 50 % so about XXXX each.
Consumer complaint received 2021-03-17
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. (FL)

I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (UT)

American Credit Acceptance is reporting late notations on my credit file. I recently took a look at my credit file and noticed the late notations were reporting. Unfortunately, due to Covid I had a very hard time with my finances. I was severely financially impacted and did my best to make a payment when I could. I ask that American Credit Acceptance make a one time good will adjustment and remove the late notations from XXXX and XXXX.
Consumer complaint received 2024-01-30
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. (VA)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I signed a quote for a 36 month lease. The finance department employee changed the lease to 39 months on the contract via the computer without telling me.

We returned to the dealership to re-do the contract to reflect the correct number of months. They assured me it was rectified. Upon calling Toyota Financial ( whom I've been a customer for 9 years ) they notified me the contract was not updated by the dealership.

Attached is the Signed contract for 36 months Current Statement reflecting 39 months
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like XXXX  advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied XXXX  is reporting and XXXX  needs to remove the following inquires XXXX XXXX/XXXX XXXX Comp XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX  Mortgage XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Trans Union I have disputed the following inquires with TransUnion and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly TransUnion is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX
Consumer complaint received 2021-06-16
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC (TX)

I was contacted by phone from a third party collection agency called XXXX at XXXX or XXXX. They stated they now owned my Cash Central bill from 2018. They threatened legal action in court too. However, they refused to mail their letter to me verifying my debt with them and Cash Central. They wanted me to pay them immediately. I refused and also disputed this bill.
Consumer complaint received 2021-07-03
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: ERC (TX)

For several years, Ive been getting harassed by Enhanced Recovery, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, Enhanced Recovery has reported to XXXX, in which I disputed & provided proof of payment, but XXXX  is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.
Consumer complaint received 2023-03-31
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. 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. Please delete the account : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}