davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

XX/XX/2023 FACTS : 1. I have checking account with US Bank. 
2. On XX/XX/2023, I released {$100.00} payment on my cell phone on XXXX XXXXXXXX XXXX app using my routing and account number. 
3. My XX/XX/2023 never made it over to XXXX XXXX. 
4. US Bank has my {$100.00} from XX/XX/2023. 
5. I want my XX/XX/2023 {$100.00} deposited into my US Bank checking account now.
Consumer complaint received 2023-03-14
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-03-14
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 submitted a request to transunion to check and make sure everything was accurate according to 15 USC 1681i ( 5 ) In XXXX I asked Transunion to investigate my XXXX XXXX # XXXX they did not correct any information on this account. I submitted another request asking Transunion to reinvestigate and make sure everything was correct. XX/XX/XXXX Transunion response with an updated credit report still showing no corrections were made. 

The date opened is incorrect, on all three credit reports. The last active date is incorrect and the balance and charge off amount are incorrect on all three credit reports. Which is a violation. This is impacting me from moving forward to buy a car for my growing family. 

I attached my previous credit report from XX/XX/XXXX and the updated report Transunion provided me XX/XX/XXXX and my new credit report to show how TransUnion violated my rights.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ROBINHOOD MARKETS INC. (DC)

I found a {$1.00} charge on my Robinhood Credit Card in XXXX, FL. The transaction said that it was made in person using XXXX XXXX. However I have never been to XXXX, Florida. 
Even though the transaction was declined, I would like Robinhood to do a thorough investigate.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (GA)

Ive had Grain ( The credit card debt card ) for a little over XXXX years now, recently I close my XXXX XXXX account and I need to update my banking information with Grain. Ive sent over XXXX emails called over XXXX times. I am still not able to get a hold of any customer service to assist me with this problem now this problem is going to ruin my credit because no one is getting back to me to help me with this problem and I have interest fees accumulating on in like XXXX $ charges that can simply be fixed if somebody would just reach out to me and help me with this!
Consumer complaint received 2023-09-10
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: LEXISNEXIS (TX)

I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions XXXX XXXX provided them on a file they maintain on me. I have on XXXX occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I previously submitted a complaint on XXXX against Transunion LLC Complaint number : XXXX My original complaint stated that certain accounts were posted without my permission and violated my consumer fair rights multiple times and instead of deleting the accounts they were updated. This is inaccurate and should be deleted because those same accounts were disputed on XXXX ( # XXXX ) and they were deleted there ( Date : XXXX ). This information is harming to my credit report as I am trying to buy a home. 

They also stated that I should be receiving a notice in the mail 7 days after the response to my complaint and I have yet to receive this documentation and this is terms for automatic deletion of the disputed accounts. 

Multiple consumer laws were violated. If XXXX deleted the accounts than they should have been deleted across all credit bureaus because of the inaccuracies.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Today ( XX/XX/2023 ), I received an email from Citi Bank advising me of a credit revision. The email was extremely generic, stating XXXX gave them information on me but had no part in the decision to lower my score and therefore couldn't tell me why they did it. 
My credit limit was dropped from {$7500.00} to {$5300.00}, leaving just over {$200.00} available credit. 
I have never missed payments and have always paid more than the minimum ( usually $ XXXX {$200.00} more than required ), but they still dropped my limit and won't tell me why. 
When I reached out, the representative at Citi ( XXXX ) copy/pasted the original email as her response, and when I pointed out it said XXXX had no part in the decision and couldn't give an answer, she said my issue was unfixable on her end and to call XXXX. I told her I did not qualify for such a drastic drop in credit, that this was a blatant violation of the FCRA, and that there is a note in my XXXX file ( been there 5 years ) stating my refusal to acknowledge or authorize their copy of my report as it contains old/inaccurate information, and she disconnected the chat.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (MT)

I had an unauthorized charge on my account XX/XX/2022 for a XXXX XXXX XXXX for {$320.00}. I let my bank know immediately and they opened a dispute and said that no error was found. I appealed the dispute stating that it was obviously fraud because the phone number on my account was updated and then the charge was made to a virtual credit card number only available in the moneylion app. That appeal was denied. They don't have any contact info for this merchant just the name and amount of the transaction and are refusing to refund me that money which was my money to shop for XXXX for my XXXX children.
Consumer complaint received 2023-02-23
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. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX Balance : {$120.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2023, I did an ACH transfer from my XXXX into my USAA account. USAA put the {$700.00} on hold without explanation or warning. This is not acceptable as pay my bills on time and need this money. I need USAA to refund any fees that are incurred as this situation was not created by me.
Consumer complaint received 2019-06-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I have IRMA damage to my home in XXXX County Florida. I had to sue my insurance company to get coverage. While I'm waiting on the lawsuit to end I fix the house with SBA money and my own money. Insurance company settled in XXXX. In XX/XX/2019 I received 50 % of my monies from LoanCare ( mortgage servicing company ) on XX/XX/2019 I received a 100 % inspection but LoanCare will not release the remaining funds. I've called them countless times and they keep telling me I need additional paperwork. LoanCare has all of the required paperwork. They just will not release my remaining funds because I did some of the work myself and they don't know how to handle that.
Consumer complaint received 2023-02-23
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. (NV)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-23
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. (MD)

My name is XXXX 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 incorrect personal information. 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.
Consumer complaint received 2023-02-23
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2023-02-23
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX 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 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXXXXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MI)

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (NC)

My name is XXXX 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.
Consumer complaint received 2022-05-18
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: CL Holdings LLC (IA)

Previously paid a debt on card on XX/XX/XXXX the creditor had told me if paid it will be removed entirely during our phone conversation which was recorded by then, 5 months and this still didnt resolve, no letter and still showing up. So I sent a dispute and now I have a charge off showing up dated XX/XX/XXXX. Called XXXX XXXX XXXX XXXX and they told me theyre not reporting it that they filed to remove while experian is showing they reported it as a charge off, they began laughing because I asked for it to be mailed that we agreed on pay to remove and they said ok. XXXX will not allow me to re dispute.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-02-23
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)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. FurthermoreXXXX XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.