davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2021-07-24
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. (KY)

I contacted Transunion and explained the situation that someone has been attempting to purchase thing in my name. They reviewed and deleted some of the information but all the information on this ID theft report should be deleted.
Consumer complaint received 2022-12-01
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: EQUIFAX, INC. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely dissatisfied with your bureau 's failure to comply with the law regarding accurate reporting on my credit report. There is fraudulent information present, violating my consumer rights. Whether due to inaccurate, incomplete, or unverifiable reporting, it's crucial that your bureau promptly corrects and removes this misinformation. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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. (FL)

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/2021 I call credit acceptance to settle my past due debt. I was advised by 21 credit acceptance account holders that they are settling debts for up to 80 % because of COVID-19. I called 5 times to try and take advantage of this offer, all of the reps told me they knew nothing about the settlement. I was transferred to XXXX, a manager in the collections department, she advised that she knew nothing about the settlement either.
Consumer complaint received 2022-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (WA)

On XX/XX/2021 my credit card with chime was charged fraudulently charged {$3200.00} while my credit card was turned off and transactions of any kind should have been impossible. Is not only a violation of the advertised ability to lock your card when not using it so new transactions can not be posted to your account but it is also a violation of their own policy which puts a cap on an individual purchases and daily purchase limits of {$2500.00} so ANY transaction for {$3200.00} should have been impossible for any reason at any time. I have disputed this transaction with trying several times and they have refused to reverse the purchase despite verifying that I did in fact have the transactions turned off and my card locked at the time the purchase was made and that the purchase was made on a card with an old card that had a different expiration date and different cvv but still had the same card number. On top of all of this time purchase itself is fraudulent and after providing documentation to chime which showed that the charge was not legitimate chime still hasn't fixed this mistake despite the fact that for several reasons it should never have been allowed happened.
Consumer complaint received 2019-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

Citibank has been horrible. I have been trying to pay my bill every month on time. I was told I could always pay the day of and it would apply immediately and my statement would reflect that. Lately they have been holing over my payment and not processing it the same day. When I called, they said it's their policy to not apply payments the day of, even though it was deducted from my bank account when we spoke on the phone and my account was immediately lowered. I would ask what time they reported statements and was told XXXX XXXX. The first month or two I didn't have an issue, but now if I pay the day of, they don't record it and last night they tried adding an interest fee I've never had. I got this card to help build my credit and I don't appreciate them not reflecting my payments in my statement. They also aren't reporting them to the credit card companies so that aggravates me. Even when I pay my bill, I get emails every few days or more saying I am over my limit or I need to make a payment. The wrong balance is usually sent to my email. I have learned to ignore them now, and I'm going to start paying a day early but not reflecting my payments on the day my money is withdrawn and my statement is credited is fraudulent. They literally go back and remove my payment and apply it to the next day. So wrong. My last two months are an example. I paid the day of my statement closing. They took out my money, told me my balance would adjust automatically and even told me my new balance after payment. My account reflected the lower balance after a payment when I would refresh the website but then when I would wake up the next morning, my payment was no longer applied to the day before and my account showed a higher balance. At midnight they must reverse it and re-apply so it shows a higher debt balance?
Consumer complaint received 2015-08-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Delbert Services (TN)

I borrowed {$2500.00} from Western Sky ( XXXX ) and I paid the principal of the loan and I called to check the balance and was informed that the remaining balance was more than the original loan. Now I am receiving calls stating that I defrauded a banking institution and a judgment is being filed against me. These people have been unreasonable. In a desperate situation I contacted a Pay Day Loan Solution and paid the fee to them and I was informed that this company was not licensed in the state of Tennessee. Today, I called and they stated that I owe {$2300.00}. 
I need help in this situation, this has ruined my credit and I see that this company has been banned in several states and after the principal balance has been paid they are not able to recoup any other funds. Can you please assist in this matter. 

ThanksXXXX XXXX XXXX
Consumer complaint received 2022-01-26
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. (FL)

It is unacceptable that the these accounts are not corrected or updated and I am getting more and more upset. If the information is not immediately reinvestigated and not corrected and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reseve the rights to file a law suit againgst your company or any company you represent.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

On or about XXXX, XXXX, I applied for and received a Kroger Prepaid Visa Card issued by US Bank. On XX/XX/XXXX, I made a purchase of {$600.00} on my card from XXXX. Several minutes later, my order was canceled by XXXX because the item was no longer in stock. XXXX advised me that they released the authorization upon canceling the order. When the funds did not go back into the account within two days, I followed up with customer service. I was advised that they would retain the funds for 10 days, which would indicate that the funds would then become available on XX/XX/XXXX after XXXX XXXX. As of the date of this complaint, XX/XX/XXXX, the funds are still on hold. 

Most disturbing, however, is the fact that this card is issued by US Bank as delineated on the back of the card and in the Agreement. However, US Bank disclaims any knowledge or responsibility for this card. When I sent an email to US Bancorp Executive Vice President and General Counsel XXXX XXXX, my email was forwarded to US Bank Executive Communications Unit. This office refers to themselves as " Office of the President. '' Essentially it appears to be an escalated form of customer service. A representative named XXXX called me and was wholly confused as to what a Kroger Prepaid Card is and stated that her office does not handle these matters. I asked her to forward my complaint to the correct office which handles this business line of US Bancorp, but received nothing responsive to my request for assistance. 

I am in the process of filing a lawsuit against US Bank in connection with this matter. It is completely unacceptable that the Bank is operating in this manner.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

For at least the last two years Synchrony Bank ( the " Bank '' ) has permitted a third party to access and use my credit card rewards ( Banana Republic store vouchers ). Despite several calls to discuss this issue, the Bank has refused to provide me with information regarding who is using my rewards and how many rewards have been used by the third party. Moreover, the Bank has refused and/or failed to stop the third party from using my rewards despite repeated notice of the data breach. By permitting a third party to use my rewards, the Bank has disclosed my spending habits to an unauthorized third party.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX  Acct # XXXX I've attached the screenshots of my mortgage account report from the major credit bureaus, PROVING that XXXX is reporting erroneous, inaccurate & illegal information to my credit file. XXXX is reporting : 1. That a Foreclosure was INITIATED AS OF XX/XX/2022. 
2. My account status was reported as CLOSED, as of XX/XX/2022. XXXX. My account was reported as Flagged for a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . 
I applied for the DC HAF program before XXXX XXXX XXXX, therefore I am protected INDEFINITELY, until DC HAF processes & approves my application for assistance. 
There is a Mortgage/Foreclosure Moratorium in place, by the Law : D.C. ACT 24-508. This Law PREVENTS ALL institutions from initiating or filing a foreclosure. So, reporting that is dishonest, erroneous, inaccurate & illegal! 
I occupy & will be keeping my home. It is an XXXX account. Reporting it closed is dishonest, erroneous, inaccurate & illegal!

There has never been a Bank Adjustment/Deed-in-Lieu/Bank Liquidation for my home . This is erroneous, dishonest & inaccurate.

This is harassment, threatening & bullying me as a consumer that was affected by not being able to work, due to the shutdown of my job, because of the pandemic. XXXX continues to make erroneous, inaccurate & illegal statuses on my credit files, although they are quite aware that I applied for the DC HAF program before the XX/XX/XXXX cut off date. 
Reporting an account to the credit bureaus is a CHOICE. Purposely Reporting erroneous information to the credit bureaus is a crime!

I would greatly appreciate it if you would view the attachments and make the appropriate corrections to all of my credit files. Everytime you all commit these crimes, I will disputre them and continue my paper trail.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (NC)

XX/XX/XXXX I paid an settlement offer to ACIMA ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as N -negative. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my XXXX credit report. ACIMA credit reported N for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to XXXX just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.
Consumer complaint received 2022-12-01
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. (FL)

I am a victim of identity theft and I did not authorize the following inquiries : XXXX XX/XX/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
Consumer complaint received 2019-10-03
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: EQUIFAX, INC. (NY)

I have been disputing several accounts with all three credit bureaus for the months of XXXX and XX/XX/2019 that have clear violations. On several of these accounts, there are comments, but the date of last reported has not changed, which means they did not conduct a proper investigation. One of my major complaints has been the date of last activity on several of these accounts has been inconsistent across the three bureaus, which is a clear violation. I have asked for these accounts to be deleted from my credit report because of these violations, but instead my credit score has gone down during an active dispute. No changes have been made despite the violations. I would also like to point out that despite several attempts to correct, my date of birth and name are incorrect with one of the bureaus.
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (TX)

I noticed I continued to receive this post card in the mail from this company Credit Protection Association. I took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the lady said I would receive something in the mail in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically the only thing I keep getting is the post cards but no infomation. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!