davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX complaint open on XX/XX/2022 40 days and is still open and in Violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened an account with Citibank in XX/XX/2019. I signed up for the promotion where if you open an account with {$5000.00} you get {$200.00}. It has been 6 months and I still have not received my money. I have tried calling Citibank several times but every time I call them they tell me to call the number at the branch I opened my account at. Whenever I call this branch ( ( XXXX XXXX XXXX XXXX, they never pick up. I have called them several times and every time I call them I just get redirected to their voice automation system. The voice automation system later transfers me to someone else who says that can't help me unless I call this branch directly. One time I called Citibank and a representative gave me their number and said to call them after 30 minutes. I called them but they didn't answer that time either.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Its been over 30 days and the creditors have not provided updated information nor has provided proof of documentation of listed debts. They have not supplied any validations, written or signed consent from myself, XXXX XXXX, description of proof of investigations, or proof of accuracies. Under federal law, they had 30 days to complete the investigations. By failing to do so, the items MUST be deleted from my credit report AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-14
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: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (NV)

SEQUIUM ASSET SOLUTION has reported a collection debt in the amount of {$300.00} to my XXXX, XXXX, & XXXX. This debt is unauthorized and unverified. I did not consent to this information to be reported on my credit report preventing me from applying for credit and severely effecting my credit fico score. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

I spoke with Truist Bank today about a {$95.00} annual fee changed by XXXX XXXX. I was switched back and forth between XXXX and Truist trying to resolve this by asking them to return my money. I was placed on hold by Truist who told me that they had a special dept that handles this. When switched to the dept, they said that it was Truist who handles the subscription fee and that they only handles the miles. I could not resolve the issue and was not allow to file a fraudulent claim. I once held a XXXX  Truist XXXX  checking acct debit card, but had it closed and the annual subscription fee was NOT returned to me, and I have been unable to get the assistance from Truist bank or XXXX XXXX.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Any CRA can only furnish a consumer report as provided in 15 U.S. Code 1681b ( 1 ), ( 2 ). Transunion does not have my consent to furnish these items nor provide me with a document that proves that a court has ordered the furnishing of these items on my consumer report. Unless Transunion can provide proof, a bank can not extend its own credit lawfully and therefore can not furnish a consumer report. 

I am requesting that all these items be removed from my report immediately. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act the accounts listed here have violated my federally protected consumer rights to privacy and confidentiality. 

Accounts : XXXX XXXX XXXX XXXX Is in violation of my rights. 

XXXX XXXX XXXXXXXX Is in violation of my rights.

15 U.S.C 1681 SEC. 602 A states that i have the right to privacy.

15 U.S.C. 1681 SEC. 604 A sec. 2 states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) states that no consumer agency may make any reports containing any other adverse items of information, other than records of convictions of crimes which antedate the report by more than seven years.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act XXXX  accounts ; XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$620.00}, XXXX XXXX XXXX XXXX ( # XXXX ) amount : {$870.00}, US DEPT OF EDXXXX XXXX XXXX XXXX ) amount : {$4700.00}, US DEPT OF EDXXXX XXXX XXXX XXXX XXXX amount XXXX {$2300.00}, US DEPT OF EDXXXX ( # XXXX ) amount : {$3700.00} XXXX XXXX XXXX XXXX  ( # XXXX ) amount : {$570.00}, XXXX XXXX XXXX  ( # XXXX ) amount : {$140.00} 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.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (GA)

n accordance with the Fair Credit Reporting act 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 2018-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.
Consumer complaint received 2018-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted XXXX, XXXX, Trans Union, and XXXX by certified mail in XX/XX/XXXX and numerous phone calls have been made to XXXX from XX/XX/XXXX to rectify that I had no notice that after my loans have come out of deferral payment was due. This was due to the fact I had moved from XXXX to XXXX after my graduation from XXXX XXXX program from XXXX to take a XXXX  position in the XXXX XXXX area. 

I started work in XX/XX/XXXX as a XXXX in the XXXX XXXX  of XXXX and filled out a mailing address change. I never received any notification from XXXX about my federal loans being late. When I contacted them in XX/XX/XXXX after I had run my credit report, they were accommodating and refinanced all my federal student loans. But they never removed the lates from my credit report. I had several calls with them to remove the lates as they had changed the designations as administrative deferrals for the time period we discussed in XX/XX/XXXX. Being a XXXX  is busy and I do not have time to be on the phone as XXXX  bounces me around to rectify this situation. 

Needless to say I have sent certified letters to XXXX and all three credit bureaus ( see atttachment ) and have no resolution of the matter to remove all the lates. This is a real impact to me because I have private loans with XXXX that I want to refinance and because of the lates on my 12 accounts with XXXX, this has lowered my credit score which has been going up and now a XXXX. But the banks have denied me due to the lates on my student loans. Which does not make any sense as XXXX refinanced all my federal loans with no problem. So if I was such a credit risk why would they even do that. In addition, since XX/XX/XXXX I have been on time with all my loan payments. 
In accordance with the Law, Fair Credit Report Act Section 623 ( a ) ( 2 ), Navient the student loan provider are to update my credit history and has not to date. I have hired a service XXXX XXXX that has written the three credit bureaus and XXXX heavy legal letters dated XX/XX/XXXX and to date all three credit bureaus have not removed the lates and XXXX has not responded. 

I am reaching out to the CFPB to help me resolve this matter which is impacting my finances and to be able to refinance my private XXXX loans and remove my widowed mom from my private loans as the co-signor. I make a good income with XXXX and am employed as a XXXX   of XXXX. Other than the lates incorrectly reported by XXXX, my credit history is excellent. 

Please help me to recitify this situation and get my credit back in good standing and remove the lates. This will allow me flexibility to refinance my private XXXX student loans and get a low interest rate to help me with my monthly payments. 

Thank you. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ideal Collection Services, Inc. (FL)

I have contacted this company in regards to this collection account that's reporting on my credit report. The information does not belong to me at all. They have the wrong social and date of birth. I have advised this company to remove this account from my credit report, as it does not belong to me. 

I was never contacted by this company before this information was placed on my report. They never tried contacting me to dispute this wrong account. They have reported this information on my credit report as it has hurt my credit and caused harm to my score. They never provided me any information what so ever. They have totally violated my rights. I was advised from someone at their company that none of the personal information such as ( social and date of birth ) is correct. I am not sure how this account has ended up on my credit report. 

They violated my rights as a consumer because i never received any documents or communication before this account was added to my credit report.
Consumer complaint received 2024-02-07
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-17
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: EQUIFAX, INC. (CA)

On XX/XX/21, XXXX XXXX alerted me to a new inquiry on my credit report with Equifax. This Hard Inquiry was from XXXX XXXX with which I have no relationship ( never did ) and I had not authorized this request. I submitted a dispute with Equifax, however they refuse to remove it from my report. Subsequently, I received a letter from XXXX XXXX XXXX XXXX ( attached ) telling me that they have received a request to open an account which XXXX XXXX believes is fraudulent. Therefore, I filed a report with identitytheft.gov which instructed me to request my Credit Report from XXXX. This report ( attached ) shows 6 other banks/credit unions which have requested inquiries, NONE of which are from me. These requests have inaccurate phone numbers and SS numbers on most of them. I realized that the problem was much bigger than I thought -- -hence, I am filing this report.
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (NC)

collection company is now the 5th company that XXXX XXXX as given this account to ALTHOUGH this account had previously been pulled and resolved through XXXX XXXX CUSTOMER SUPPORT. This account should not be with ANY COLLECTION AGENCY per XXXX XXXX XXXX. This account was proven to not have had the cell service that was promised and for the 7 months that I had sprint I only had usable service for 2. I had to call every month and received responses every month that they were working on the issue and they ( XXXX ) acknowledged every month that cell service was and had been down in my area and they were working on it. it never got resolved and I had no choice then to get reliable service due to my medical condition. XXXX PULLED THIS ACCOUNT AND WAS TO BE DELETED MONTHS AGO.. This is now the 5th company that is trying to collect on something that the executive office at XXXX XXXX XXXX balanced due to my previous complaint to the CFPB and to the FCC.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (FL)

I'm being charged {$15.00} for a debt that was coded wrong. I had called the company and told them they coded it wrong, per the insurance company. This was preventive care. now I'm getting a statement from CMRE Financial Services. I called them and told them this was not my debt. It was coded wrong. They were very unprofessional, disgusting tone of voice, and very disrespectful. I'm totally disputing this claim and I told them so. They hung up on me. Please handle this promptly! XXXX XXXX
Consumer complaint received 2022-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I have disputed this dedt since 2020 with no results. I have disputed the account with XXXX only to be told that the information is accurate. I have further filed a complaint with the XXXX complaint number XXXX and the collection agency has yet to respond to my complaint
Consumer complaint received 2017-10-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Performance Settlement, LLC (PA)

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX, a sales representative with Performance SLC. After a brief conversation about loan forgiveness and consolidation we began the initial paperwork. After completion, I was given three business days to cancel the contract. On Tuesday, XX/XX/XXXX I contacted XXXX and requested a cancellation form via email. I needed more time to review the process and contract. He connected me to his supervisor, XXXX XXXX XXXX who insisted he would send me the emails. He never did and the application was processed to my federal student loan provider, even though I 'd verbal canceled. To this day I was never sent any cancellation paperwork that theyd agreed to be send. I 've called and called since this had initially happened and over the last three days ive called countless times to still recieve no answers. On Monday, XX/XX/XXXX I called  customer service who eventually connected me with XXXX XXXX, a compliance manager, who said he would handle the problem and email cancellation paperwork and more information. I now have not received a thing from him as well. They processed my application and never sent me cancellation forms though I called and verified cancellation within the 3 business days.
Consumer complaint received 2023-02-21
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. (MO)

This is not a duplicate complaint. I became a victim of Identity Theft, I had received in XXXX, 2023 phone call and been asked to confirm my information, that call was from a very strange merchant, so that time I didn't pay attention about call, but soon later I found out that some strange mail I started to receive. So, I went to my bank and was advised to check my report. Upon checking my report I noticed a hard inquiries that I NEVER AUTHORIZED. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. You are reporting the INQUIRIES that is the result of the fraudulent activities. I must note that I did not apply for a credit account with the below listed company and creditor. Therefore, this inquiry must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record. As a consumer I should NOT be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditor can not verify, meaning that this inquiry is unverifiable information and must be deleted from out of my credit file. The inquiries were not authorized : XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 ; XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX, 2023 Please remove this inaccurate information from my credit report. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this item does not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed item be DELETED!