davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-04
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)

Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have fraudulent inquiries on my credit report. The inquiries are as followed XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX, XXXX XXXX date of inquiry XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX. I have contacted all these creditors with no response to the fraudulent activity. TransUnion replies back quickly with no change in status. I have called TransUnion to dispute fraud but no response.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC. (MO)

Arvest Bank allow XXXX go into my account and try to debit it {$380.00}, I did not authorization this transaction and I do not have overdraft protection. Now I am receiving notices from the bank indicating I have a negative balance of - {$290.00} and it must to paid by XX/XX/2019 or will be charged-off. I did not believe this is fair, I did not authorization XXXX into my account, I did not even have overdraft protection on this account, and I am not understanding how XXXX charges can be submitted if you don't have overdraft protection, I have not used XXXX for over 1 year and I have tried to make arrangements with them, but you can never get to the correct person to speak with, everyone tells you something different. I want these charges removed from my checking account.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Back in XXXX of XXXX USAA closed my checking account. Its XX/XX/XXXX now and I receive a XXXX  debit cancelation of date XX/XX/XXXX for the amount of {$1600.00}. The account is closed done not active no longer have a debit card for the account. Yet usaa excepted retro pay from my VA XXXX compensation and pension claim on XXXX XX/XX/XXXX ( yet the account is closed or they told me it was ). Usaa is now holding my funds and will not release them. Saying I owed money from an account they sent me a XXXX for  debit cancellation on and I filed with my XXXX taxes. Usaa is disrespectful to XXXX veterans. Why would you take money from and struggling XXXX veteran. I left usaa years ago for this very reason they dont care about the consumer. Usaa I want all of my money back and since this is the only way to not wait 45 mins to speak to someone I will write a complaint daily that you yall are committing tax fraud and stealing money from XXXX veterans.
Consumer complaint received 2022-09-02
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)

15usc1681b no permission to place on consumer report. 
Privacy law broken according to the privacy Act of XXXX  which protects personal info held by federal gov't preventing unauthorized disclosures of such info. Consumers have the right to review such info, request corrections, and be informed of any disclosures. 
Each violation is {$1000.00} per violation Late fees should not be reported according to 15usc1666b timing of payments 15usc1681 ( 2 ) a ( i ) is a transaction report, and transactions are excluded from the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX chargeoff account ... Business tax deduction, worthless, uncollectible debt, needs a 1099c..balance should say {$0.00} since it is already paid by the IRS. 
XXXX XXXX XXXX XXXX also a charged off debt that needs to be removed off of the account or reflect a {$0.00} balance, which is uncollectible, worthless debt, business tax deduction, need a 1099c
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

I have been trying to do a short sale for my property. I have lost an offer due to unnecessary delay of servicer in reviewing submitted documentation. I resubmitted and offer again and the short sale package was deemed complete in XX/XX/2018 and as of today the file has been escalated for internal review five times to no avail. I am again about to lose a second prospective buyer due to loancares negligence.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2023, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I received a letter stating, " They do not report any bankruptcies to anyone. '' Therefore, if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to 15 USC 1681.

15 USC 1681. section 603 ( 3 ) ( E ) states, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of that consumer reported on or with others that he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681.

- According to, U.S.C. 1681 section 602 A. states I have the rights to privacy.

- According to, U.S.C. 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction - According to 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a paid monitoring service through Experian. I decided to cancel the subscription. And though I was charged XXXX on XX/XX/XXXX, once i requested the cancellation, instead of then letting the prepaid subscription continue our until the end, Experian not only cancelled my subscription, but refuse to credit me back for the prepaid remaining days. I then contacted XXXX who gave me a temporary credit and ultimately granted me the refund. 
Experian then lowered my Experian score from XXXX to XXXX. I have always paid my bills and am also a homeowner of two homes. The lowering of my Experian score was done with malicious intent. It was only lowered after I cancelled the subscription.
Consumer complaint received 2022-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Penn Credit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/2022 Dear Penn Credit Corporation After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2022. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail and via the consumer financial protection bureau, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Best Regards, XXXX XXXX
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

XX/XX/XXXX Check Check XXXX View Check {$1200.00} XX/XX/XXXX Electronic Check XXXX XXXX XXXX XXXX XXXX MtgPayment XXXX {$1000.00} XX/XX/XXXX Electronic Check XXXX XXXX   XXXX XXXX  XXXX MtgPayment XXXX {$1100.00} U.S. Bank has held these funds in " Suspense ''. 
XX/XX/XXXX Received notice of default from U.S. Bank. 

I am now facing foreclosure despite making timely payments.
Consumer complaint received 2018-04-20
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I had an automatic payment of {$50.00} scheduled for payment to my Capital One Credit Card, because my minimum due ran around {$33.00} per month. In XX/XX/2016 i made some bigger purchases using my Capital One Credit Card, which them increased my minimum due for the month of XX/XX/XXXX. During this time I was out of the country and did not realize that the minimum automatic payment i had set up was not going to cover the increase to the minimum due causing for my {$50.00} automatic payment to not be enough to cover the minimum. This situation caused a negative reporting to the credit bureaus by Capital One which reduced my credit score by 95 points for this one late payment reporting. I tried contacting both Capital One and the credit bureaus because i felt that 95 points was too much for just one late payment, which was not even late it was insufficient. When speaking with one, they would tell me to contact the other. I opened a dispute with the credit bureaus and got no resolution.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I applied for a Citi ThankYou Premier Card on XX/XX/2018. I knew that Citi Bank in the past discriminated against users having the same card more than once and trying to get the sign up bonus again. I have never had the Citi ThankYou Premier Card before, and after perusing the terms and conditions, I didn't notice anything that would disqualify me from receiving the XXXX points offered for spending {$4000.00} in 3 months. Upon completing the spending requirement, I noticed that I was not receiving the bonus. I was later notified that they inserted a new clause stating that if you have had ANY Citi card that was opened or Closed in the prior 24 months, then I would not be eligible for the bonus with this entirely different card. Since I had previously had the Citi Prestige Card and closed it 1 year before applying for this card, I was deemed ineligible. The only reason I closed the Prestige card is because the bank stripped all of the perks and benefits that made it worth keeping open and it was no longer worth the hefty {$450.00} annual fee attached to it.

My issue with Citi is that there's no precedent for ever declining a credit card bonus to a customer based on the fact that they CLOSED a completely DIFFERENT card within the last two years. XXXX XXXX notifies their customers when they attempt to submit an application, that the user would NOT be eligible for the card 's sign up bonus and asks whether they would still like to proceed.

I felt like Citi 's terms and practices were and are deceptive and they were perfectly happy to run my credit, take commissions from thousands in spend, and then absolve themselves from any wrongdoing. It's not clear from their terms that having a COMPLETELY different card that was closed over a year ago would disqualify me from this separate card 's sign up bonus. I've asked for them to award me the bonus OR at least remove the hard inquiry from my credit report. They sent me a later saying they've done nothing wrong and that their terms are not misleading. I've encountered other individuals who have been victims of this deceptive practice and unfair terms. Can you please help me not only resolve this issue but ensure that credit card companies, starting with Citi, do not take advantage of users with arbitrary and misleading terms and conditions?

Thank you in advance.

Best, XXXX XXXX
Consumer complaint received 2018-04-20
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. (UT)

people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

In my latest request to Equifax ( letter mailed on XX/XX/XXXX ) requested that Equifax validate and verify legitimate ownership by providing proof of a signed agreement and/or documentation that I was responsible for the account. Without providing ANY of the requested information they verified the account was mine. Additionally, I asked that Equifax explain what the process of verifying and validating these accounts and they refused to reply.
Consumer complaint received 2023-01-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IN)

This company is pulling from my account on the XXXX and the payment is due the XXXX. I have had to move money multiple times from a credit card as we dont keep much in this account. I have complained twice. They said they are pulling payments in accordance with the loan terms. The loan terms state to pull on the XXXX, this is when I am paid this must be fixed. I am very upset.
Consumer complaint received 2020-07-30
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. (NY)

After numerous disputes with Experian, they still leave a fraudulent account on my credit report. I have been disputing for years and I am still puzzled at how they are verifying the information. XXXX and XXXX  has deleted the account from my consumer report, Experian has NOT provided me ANY documentation with my signature on it.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC (IN)

I paid my final payment to Genesis Credit in the amount of {$840.00} on XX/XX/2023. I was subsequently charged twice in the amount of {$840.00}, totaling to an amount of {$1600.00}. When contacted about a refund a Genesis Credit representative offered restitution in the form of a paper check delivered by USPS mail within the stated allotment of 30 days. When contacted after I didn't receive a check after 30 days, Genesis Credit stated the check was mailed on the XXXX ( not sure of the exact date ) of XXXX. As of now, I am waiting to be contacted by the company to find out where my money is and how they are to deliver it to me. The predatory nature of their practices makes me concerned for seniors and citizens of lesser faculties.
Consumer complaint received 2019-02-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KS)

To date I have 8 different phone numbers from a company that says they are from XXXX XXXX regarding my XXXX XXXX account. I think the name they are wanting is XXXX XXXX ( hard to hear the name. ) The phone calls have started XX/XX/2019 to todays date XX/XX/2019. As of this date I have received 117 calls from this company. I do have the dates and times they have called. I also have the phone numbers they are using ( adding a new phone number today. ) I have since turned off my answering machine. This is the list of phone numbers they have been using : XXXX ( new one today ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2019-02-04
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. (GA)

Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 )  STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX Reported : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2019-02-01
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)

I have no knowledge of some accounts on my credit report. I didn't even know about XXXX XXXX since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be false to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.