davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried and tried with all three reporting credit agencies to remove the credit report of the information of XXXX XXXX  since finding out that it is past seven years which is allotted to all things reporting on credit report and this account is still opened and not deleted from credit report and negatively making my credit score not be reported as accurate and it is a collection right off which means it is income being reported on my report and according to fcra that is illegal and should have been removed long time ago and I never gave permission for it to be reported. I have tried to get this removed and deleted from all credit reporting and they have yet to remove and came to you before on this matter and they still have not done anything about getting it removed
Consumer complaint received 2022-07-26
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. (PA)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2600.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I recently was billed by my local XXXX doctor regarding charges for services I did not receive in the total amount of {$210.00}. Because of my failure to pay for services not rendered this office turned over my outstanding bill and all of my medical records to Gulf Coast Bill Collections out of XXXX, FL which is a direct violation of confidentiality and HIPAA laws. I am writing this letter to inquire where I would turn to for help in resolving this matter. Please contact me with any information possible as to actions I should take from this point forward or who could be of assistance. Thank you for your time. 
Contact Info. -
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2018-11-19
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I've recently checked my credit report and seen that I had four separate hard inquiries from the same creditor for a personal loan. I have sent a removal dispute letter to the creditor and have not received a response or any result on my credit report. 

ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX ONEMAIN - XX/XX/XXXX
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Its been over 30 days and still no response from XXXX, transunion, or XXXX. 
I've seen the letters on the XX/XX/XXXX. for the following accounts : 1. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Validate Account XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-07-26
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. (TX)

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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX  XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/18 I currently have an account with ace cash express under the label " XXXX XXXX '' I went to use my card to overdraft a few dollars to pay off a bill and was told that it wasn't working. I have tried contacting ace cash express, and was told I was on a cool off period after 16 overdrafts in a years period. However I was never made aware of their policy, and have read every " terms of service '' regarding their overdraft protection program. Nothing is made aware to consumers that there is a cool off period. Do they need to disclaim this to the end user?
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc. (TX)

Diversified Consultants is attempting to collect a debt without verifying its accuracy. XXXX has misapplied funds that were paid on my account and I have requested a payment history several times so that I could match my payment. I have not to this date received them.
Consumer complaint received 2017-12-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NY)

I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. 
The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.
Consumer complaint received 2017-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (IN)

I took out an {$800.00} loan from XXXX XXXX XXXX in XX/XX/XXXX and since then have paid more then that amount and will continue to pay more then 3 times that amount before the loan is paid off. I was not able to view the paperwork for this loan before it was officially given to me and was not able to look at it for awhile afterwards either. There was always something wrong with my login information. When I finally was able to get into my account I seen that I would have to pay over {$3000.00} before the loan was completely paid off. I did not know that the interest was that high. Since XX/XX/XXXX I have paid over {$1000.00} already. I would like to not have to pay anymore money to this company since I have already paid back the loan in full.
Consumer complaint received 2022-07-26
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. (TX)

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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXXXXXX Balance {$620.00} XXXX XXXX  XXXX XXXX Balance : {$43000.00} XXXX XXXX XXXX XXXX Balance : {$770.00} Medical XXXX Balance : {$220.00}
Consumer complaint received 2018-11-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (MD)

I purchased a XXXX mixer from XXXX on XX/XX/18 on a 5 installment plan. {$90.00} was to be charged when the item was shipped however they charged {$90.00} once on XX/XX/XXXX and seven times on XX/XX/18 for a total of {$720.00}. I purchased the item on my debit card so this amount was taken from my account and made inaccessible. The item has not yet shipped so nothing should have been charged at this point.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint AGAIN to update this suspicious information. The 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2018-11-18
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. (FL)

On XX/XX/2018 a fraudulent application was submitted to XXXX XXXX and they ran a hard inquiry. I notified them of the issue and they acknowledged that I did not submit the application. I submitted a CFPB report and they told me that they would notify the credit bureaus regarding this matter to get it removed from my report. Thus far all credit bureaus have removed the inquiry except Transunion. 

Bank Information : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018
Consumer complaint received 2022-07-13
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. (OH)

I am XXXX XXXX, who is submitting this CFPB complaint and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Capital One bank refused to accept my US passport as a means to verify my identity. They insisted on a state driver 's license or government issued identification card. I have lived overseas for XXXX years and have only an expired Missouri license. Of course they can't accept, understood. But maybe two months prior to my application for a new credit card they accepted a scan of my passport prior to sending me a replacement card. My credit history is just a little more than 5 years and is ranked excellent by most credit bureaus. No lates, collections or anything derogatory. I seek to have the card issued or the inquiries removed from my credit reports. This problem began in XX/XX/XXXX when applying for a new card. Later after follow-up calls I was told what stated earlier in this complaint. 
I have always felt a US passport to be the gold standard for ID purposes in the USA.
Consumer complaint received 2018-11-18
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. (OR)

Equifax reported Hard Inquiry from XXXX XXXX on XX/XX/XXXX. I did not authorize this inquiry or have any contact with this Company regarding an account with them. 
Upon seeing this Hard Inquiry thru XXXX XXXX which I check several times a month I disputed its authenticity with Equifax. Was not satisfied with their investigation which simply told me to contact the company ... .... Mean while I recieved via USPS a package from XXXX XXXX with an invoice showing 0 dollars? Then a statement of account later showing I owed several hundred dollars for this item. 
I believe this is an attempt to Steal My Identity. Please advise the action I need to take to stop this. 
Regards, Very Concerned
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my second endeavor 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 records 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 an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NV XXXX ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : ATTORNEY GENERAL-CHI XXXX XXXX : {$6200.00}
Consumer complaint received 2023-07-27
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: CAINE & WEINER COMPANY, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (LA)

I submitted a letter to the XXXX Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-26
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. (LA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-06-20
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. (PA)

Hello, my name is XXXX XXXX, I was under the impression that I entered into a consumer credit transaction when I provided these persons my information. I go to check my report and see that I have been taken advantage of blindly. I reached out to this person to let them know that they violated my right under the fair credit reporting act 15 usc 1681 ( a )