davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.
Consumer complaint received 2019-12-20
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: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
Consumer complaint received 2023-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings (OK)

I had a company XXXX, that was trying to collect a Debt for the amount of {$1900.00} they turned the amount to a company called XXXX XXXX XXXX in XXXX which placed it on my credit report, I disputed the account with all 3 credit bureaus and successfully got the item removed from all 3. This debt not owed by me has been off my credit reports for many years now. Recently a Debt purchasing company purchased this paper from XXXX XXXX XXXX who represented XXXX, and without any notification by phone, email, or text they placed the account back on my Credit Reports without any chance to dispute the matter within 14 days I am allowed by law. I would have explained to them the circumstances with this debt not owned by me, but they never notified me, I was notified by XXXX that they placed this debt on my credit report without contacting me what so ever. I want this removed and they should be fined due to their lack of abilities to follow the laws that govern this matter thank you
Consumer complaint received 2019-12-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC (FL)

This company contacted me and said they were hired to settle a debt. That I would provide my debit card information and they would provide me the paperwork stating the terms of the agreement on said debt. I have never received any paperwork from them ever. I had to provide my banking information to them and they said they don't keep it on file, that they would make a one time debit, which they did for {$140.00}. Two weeks later they made another debit from my bank account for another {$140.00} after they specifically told me that they don't keep checking account information. When I spoke with them today, they said they need my debit card information or they are going to file my paperwork. They call me constantly at work after I have told them to call my cell phone. Because they debited my bank account twice without my permission the second time my student loan payment bounced. These people are very aggressive.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

Back in XXXX, I tried to cancel an Equifax account on behalf of my mother. She passed away. On XX/XX/XXXX, I emailed in the documents I was asked to send. My driver 's license front & back, a copy of the death certificate, & the will stating myself as the Executor. I was told it would take 10 - 15 business days to close the account. I noticed on my XXXX credit card statement, I was still getting charged. I contact my credit card company & they opened a ticket to remove my charges. It is now XXXX & I still have the charge of {$20.00} on my credit card statement. I called Equifax today & spoke with XXXX. She confirmed they have received my documents to have my mother 's account closed as of XX/XX/XXXX but can not tell me why it has not been closed. She asked to send in my documents again. For what reason? She confirmed they have received my documents as of XXXX XXXX has now told be it will take 3-5 business days to close my mother 's account.
Consumer complaint received 2023-12-11
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. (AZ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AL)

The Chase XXXX card offers the opportunity to earn a free nigh certificate ( valued at ~ {$300.00} ) for customers who spend $ XXXX on the card during a calendar year. There is no tracker to track spending, and the certificate can take up to 4 weeks to be awarded. I thought that I had met the minimum spend for the certificate in early XXXX. When the certificate had not shown up in my account by XX/XX/XXXX, I messaged the company to confirm that I met the minimum spend, because if I was just short I would have made additional purchases to meet the requirement. I was told on XX/XX/XXXX specifically that I had, though the number they quoted for spend didn't seem quite right, so I sent a f/u. They then told me after XXXX that I actually had not met the minimum spend, and that I was {$14.00} short. I followed up and they have been unwilling to stand by the false information that I was given by the first agent ( message attached ).
Consumer complaint received 2023-01-23
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (MD)

I was looking through my Great Lakes account and noticed a positive balance of {$XXXX}. In XXXX to XXXX validations of debts. I need this information to be clear and concise as possible, I want to know the amount of the debt owed, the name of the creditor whom the debt is owed. Also I need this organization to validate this debt, verify this debt which means to send me the name and address of the original creditor and send copy of the verification too. Provide me with the name and address of the ORIGINIAL creditor. I need to know this information to understand who I extended credit to and only the original creditor has the power to validate this debt. I am disputing this alleged debt and I refuse to pay this alleged debt.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

i dont know where you keep getting XXXX XXXX XXXX XXXX. I live at XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I need my report to reflect this address. I haven't looked at this report since XXXX. My address was XXXX XXXX XXXX, XXXX tx XXXX
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp (CA)

I refinanced my car loan with LendingClub. Previously I had a couple personal loans with them as well, they were fine, no problems. This loan 's not being properly reported to credit bureaus. They report it only to XXXX. Not XXXX XXXX, not XXXX have any information about this loan, which is hurting my credit score. I tried to contact Lending Club 's customer service by the phone and via mail. In the past 6 months I've made about 4-5 phone calls. The last one was about a month ago. Every time they say, that they'll look into it. I also mailed a letter about a couple months ago to the address on the back of the statement ( the one they say to use, if credit reporting is incorrect ). A couple weeks ago they sent me an email asking to write a review on their website, which I did. I gave them 2 stars out of 5 and explained the situation. Thought it might attract their attention. All they did is blocked my review and sent me another email, saying that the review did not meet they guidelines.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc. (FL)

I opened a Coinbase account and transferred {$500.00} into it. At a later date, I opened an Coinbase XXXX account and also transferred from my bank {$500.00}. I've made a few small trades using Coinbase XXXX and this account balance should be approximately {$510.00}. 
I decided to close my Coinbase account and keep my Coinbase pro account open. After transferring {$500.00} from Coinbase to my bank, this account ( XXXX balance ) was closed and deleted on XXXX XX/XX/2021. 
Unknowing to me, this also removed access to my Coinbase XXXX account. I submitted my issue via email on XXXX XX/XX/2021 to Coinbase support. They responded via email on XXXX XX/XX/2021, XXXX # XXXX and told me to sign up to Coinbase using the same email address that I originally used. 
I did this ... and now have access to both Coinbase and Coinbase XXXX. The problem however, Coinbase XXXX now shows XXXX balance ( should be approximately {$510.00} ). 
I have since responded/replied to Coinbase support referencing my XXXX # XXXX and asking for help resolving my fund balance ( missing {$510.00} ). I received an automated response saying " Were working hard to quickly address this issue, and we'll reach out to you as soon as we have an update ''. 
As of today ( XXXX XX/XX/2021 )... This issue is still unresolved and have not received any status updates from Coinbase. I called their customer service number at XXXX ( XXXX ) XXXX. This is basically useless.
Consumer complaint received 2023-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-01-31
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: CITIBANK, N.A. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DSNB MACYS with the account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
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. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (OH)

i had a debt in collections listed under the name XXXX XXXX XXXX that i won the judgement against and had removed from my credit report in the amount of {$700.00}. Now this company is putting me back into collections again for the same {$700.00} that i won a judgement against them for, but under a new company name listed as XXXX XXXX.. So i won the judgement and it was removed from my credit report, but now that collection is showing up again under that new company name. This is illegal and a violation of my rights, and needs to be removed from my credit report immediately
Consumer complaint received 2019-02-09
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. (GA)

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( XXXX   EXPERIAN 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 2019-02-09
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. (GA)

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( MEDICAL XXXX   EQUIFAX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CO)

Mortgage Company : Movement Mortgage XXXX XXXX From : XXXX XXXX and XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Escrow payments are too high. With the exception of XXXX XXXX escrow amounts are well beyond the two month cushion rule. They are withholding amounts leaving a balance as follows below. They will not respond. 
XX/XX/XXXX Escrow Balance is {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00} ( this is the escrow payment I am charged each month. 
XXXX escrow balance {$1400.00} XXXX escrow balance {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00}. 
XXXX escrow balance {$1400.00} XXXX escrow balance is {$1800.00} XXXX insurance payment of {$1500.00}, which will leave a balance of {$650.00} in the escrow account. Which is not quite a 2 month cushion assuming their escrow payment per month of {$390.00} is right. 
Then in XXXX and XXXX of each year tax payment of {$1100.00} are made, and insurance is paid in XXXX of each year of {$1500.00}. 
Escrow balances starting in XX/XX/XXXX and each month thereafter, with each escrow payment from us of {$390.00}, and the taxes and insurance payments are as follows... 
XXXX, XXXX $ {$1000.00} XXXX, XXXX {$1400.00} XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1400.00} ( insurance payment ) XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) The escrow balance keeps rising until XXXX of XXXX they are holding {$5400.00}. With one exception, their escrow amounts required of me are far more than a 2 month cushion.