davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 



XXXX / XXXX / {$170000.00}
Consumer complaint received 2015-07-16
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

On XXXX/XXXX/2015 I went to MoneyGram at XXXX XXXX XXXX in XXXX XXXX, XXXX for transfer {$890.00} plus fees for my friend in XXXX, over the weekend he contact me for telling me that he ha been transfer to a XXXX on XXXX he never got the money that I send it to him, when I contact XXXX few days ago a female told me that the money was paid to my friend 1 hr. later on XXXX, she told me that she will sent a compliance for an investigation to my email, of course I never received, Today I call again and the person over the phone told me that they do n't ever request id for pick up the money, he does n't offer a solution, his a supervisor his name is XXXX and he refused to give me his last name but he offer me his phone # XXXX XXXX, he finish telling me that I was a victim of fraud. what make me upset is the way they manage the money transfer, is unsafe, I will never going to use this service again, I do n't have my money back and neither my friend, we do n't know who has it!!!
Consumer complaint received 2022-03-12
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. (SC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-12
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. (IL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: EQUIFAX, INC. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I had a secured credit union with Naval federal credit union and I closed the account and the XXXX dollars that I put up against it was not returned to me and they have not furnish the proof to me that it was and I contacted them and they are doing nothing about it and I drove over one hour to the branch and I was told there that they dont see were it was returned to me
Consumer complaint received 2021-05-12
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. (CA)

I disputed in XX/XX/XXXX accounts that are not mine and 2 others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.
Consumer complaint received 2018-07-10
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: Experian Information Solutions Inc. (DC)

This complaint is in reference to the XXXX Account XXXX entry listed on my Experian credit report. I have contacted Experian regarding this entry as well as others requesting viable evidence bearing my signature and how they verified this alleged account without providing the requested proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter form Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Consumer complaint received 2015-11-13
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

Transfer money through Moneygram on XXXX/XXXX/15. The money did not get to the recipient. I filed a complain to Moneygram anti-fraud unit, I was told to give them 21days for investigation and resolution.I called them today XXXX/XXXX/15 and I was told no resolution had reach yet. This is causing me XXXX and general stress. I therefore needs your help to get the money to the recipient as soon as possible.
Consumer complaint received 2022-07-07
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. (OH)

I have disputed XXXX XXXX  XXXX XXXXXXXX XXXX reporting on all 3 of the major bureaus ' reports, on multiple occasions. Go XXXX XXXX XXXX is reporting different open dates, close dates, high credit amounts, dates last active, and dates of last payment on the 3 bureaus ( XXXX, Equifax, XXXX ) .
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on XXXX do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Management Partners, LLC (MI)

I 'm a veteran XXXX vet, there is a law in place right now and has been that when ever a 100 % veteran enters a non-va medical facility for services they contact The department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX for payment, they do n't do this they send it over for collections then it ends up on the veterans credit report, if it only takes me 2 minutes to get this information as big as medical facility is why ca n't they do the same thing I 've written you about this same situation in 2013, so I 'm gon na give them info again. Whenever a vet comes into your facility in Michigan contact XXXX, and quit making it so hard for us veterans. XXXX in this dept said XXXX hospital never contacted them about this bill. I 'll send over all supporting documentation.
Consumer complaint received 2022-03-28
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)

I contacted Transunion on XX/XX/XXXX and XX/XX/XXXX and the furnishing of recent hard inquires on my consumer credit file ( The term consumer means an individual ). File number- XXXX I spoke with a representative on XX/XX/XXXX who told me to follow up with these unauthorize inquires and I did on XXXX XXXXWhich has thus far cause me significant XXXX XXXX, and stress, effecting my day to day responsibilities. The Transunion representative proceeded to give me inaccurate information about the reporting on my credit file. For example, she proceeded to tell me an inquiry- is a factual data reported by a creditor. Fact is I'm the one and only original creditor of my credit file and a inquiry is- a request for information. I have been violated, I have express my concerns with Transunion about the hard inquires and they have been willfully noncompliance. Transunion have violated me as a consumer, by furnishing these inquiries. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the hard inquires from Transunion has made violation of federal law 15 USC 1681a ( 2 ) ( A ) ( i ) the term " consumer report '' can not be containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As a consumer and per 15 USC 1681 ( a ) ( 4 ) Transunion is to respect my rights to privacy, and have violated my rights by allowing these hard inquires to be furnished on my consumer credit report.
Consumer complaint received 2021-05-12
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: AMERICAN EXPRESS COMPANY (PA)

I contacted Amex, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2024-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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: BARCLAYS BANK DELAWARE (OR)

I booked a Hawaii flight early XX/XX/2022 and while in the reservation, XXXX XXXX XXXX offer came up, if you apply for the card while buying the ticket, {$300.00} would be taken off the price of the ticket. I applied but the application needed underwriter approval so it did not give an immediate approval. Had to book the flight in the meantime and paid with my own card. A few days later I checked the application status and showed I was approved. I called XXXXXXXX XXXX and Barclays and explained what happened at the time of application to see if they can switch the card so I can get the credit. XXXX XXXX said they can't do it but to call Barclays, they should be able to. Barclays said XXXX XXXX should do it so I was transferred a total of XXXX times between departments with nobody being able to help. I finally was transferred to the XXXX department at Barclays and explained the situation yet again and the person stated Barclays could not make the switch to get the credit as advertised by their application. At that time frustrated, I asked the person to cancel the card all together since it was only a few days after I applied. 
I flew to HI mid XXXX and on the flight, the flight attendant had a Hawaiian application that offered XXXX miles after any first purchase, different offer than the {$300.00} credit. Filled out the app and mailed it on XX/XX/2022. Today I called XXXX to see status and found out I was declined because I voluntarily cancelled the first card since I was told I could not get the {$300.00} credit. They have also stated I can not apply again for XXXX months. 
In today 's conversation, Barclays employee XXXX id XXXX stated that the first {$300.00} credit would have been applied to my first statement. That was never communicated to me when I spoke with XXXX XXXX department person that cancelled my card. Today, XXXX stated he asked for a resolution from his supervisor XXXX id XXXX and he stated there isn't one.
Consumer complaint received 2022-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (MO)

IQ Data has ignored multiple requests for records concerning an alleged debt they are attempting to collect from XXXX for their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are reporting this derogatory account on my credit report and have verified it with the credit bureaus even after I submitted a dispute. there is no verification for this account. Federal law requires that it be immediately removed and blocked from reinsertion. IQ Data continues to violate the FCRA and FDCPA .They need to be held accountable. l am incurring damages as a direct result of their illegal business practices. I have done my due diligence to rectify it. I may need to pursue legal action if this matter is not resolved now.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

There is a repetitive issue that American Express does not process payments, and blames the customer. Never with any other payments, all payments get process as scheduled but American Express several times a year they claim either account number invalid or ABA routing invalid, this a scheme to defraud, to charge fees, late fees etc, and have the card holder speaks specifically with their XXXX call center, so they later begin robocalls and share personal information with their XXXX friends as no control what goes on. When called or emailed American Express refuses to make good and at times they calls in odd hours leaving messages that since they can not reach out to discuss the close the case emailed, calls come at XXXX XXXX ....
Consumer complaint received 2022-07-07
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. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my EQUIFAX credit report recently and found some inaccurate reporting on my credit report. I wrote EQUIFAX a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. XXXX is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : INQUIRY - XXXX - XXXX  - XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... Attached is the letter i wrote to EQUIFAX in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.