davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is a publishing company that is in the game of advertising on peoples Credit Worthiness or reputation as defined as congress. TransUnion is in fact reporting/Advertising negatively, inaccurately on my credit card as defined by congress which has put me in financial hardship that has not allowed me to use my open end credit plan.

15 USC 1602 ( l ) : means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This has been an ongoing problem for more than a year now. I have not asked for anymore reinvestigations but for TransUnion to show me permissible purpose that they have to report on my credit card. They have no consent and we are not engaged in contract to report on my likeness. No consent is identity theft.

Today I have mailed an Affidavit of truth showing proof that TransUnion is in fault for completing reinvestigations without my consent. 15 USC 1681d ( D ) ( 1 ). They have never had my consent to report anything on my likeness which is a violation of 15 USC 1681b ( 2 ) : in accordance with the written instructions with consumer who it relates. 
I have no more time to waste with frivolous reinvestigations when TransUnions does not do investigations in accordance with congress 15 USC 1681a ( e ) information on a consumer are obtained through personal interviews with neighbors, friends, or associates of the consumer reported on.

They have never taken the proper channels to investigate properly. This a request for a reinvestigation or dispute any matter
Consumer complaint received 2022-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC. (AR)

On XX/XX/2021, NC Financial at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) opened a personal loan in the amount of {$7000.00} to someone claiming to be me using my credentials to open the account. This was not me opening this account. I retained XXXX Identity theft protection and XXXX ( we ) to work for me and with me to resolve this matter. We contacted NC Financial about the fraud and confirmed the account was opened using my stolen identify. NC Financial fraud department explained that a police report or other documentation was required to move forward.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Avant Holding Company, Inc. (CA)

My indigo XXXX had a fraudulent charge on it I looked up the website that was on my mobile app and it was the same one they got me today quick performance active or creative not sure you tell the website and they say its a scam we get calls all the time and theyre ruining our business they call me back to have me help them or their lieing either way my indigo card they were supposed to cancel and send me a new one three weeks max I never got the card a month and a half or so more later but kept getting even the bills and they were different and then they would be more and then I would call and then they really go thats not right let me talk to my supervisor and then they would hang up on me or they keep me on hold so long that I had no choice in the matter of XXXX weeks simple disputes hey can you please block this from ever happening again you see this charge from this place dont let it go through I dont know how its happening but my credit score was a XXXX and now its at XXXX and they want me to pay them because I canceled the account. And theyre trying to get me for the car and I had prior and the car to head after but never came thats for indigo platinum XXXX with the three hundred dollar limit from XXXX XXXX I have no problem paying them but I dont trust them especially since I just got a new bank with the credit union and I dont want to have that information compromised because Ive been getting financially ruined due to these cards and I were to know if yours to get my credit score up and then just have a drop because somebody doesnt want to do their job right or theyre overwhelmed or whatever but I have evidence to prove everything and I dont think me wanting to give them my new bank information because I dont trust them XXXX out of the ordinary request Ill pay them with a prepaid card thats not an option they said do you want to bank and routing number its not fair Im about to quit and give up! They should both consider the counts paid in full Theyrecord all phone calls And I had information and I wanted to see if they had up-to-date information and they didnt if I was to close my account The day would it cost me an extra 60 bucks ive been unemployed since XX/XX/2021 but I still manage to pay all my bills {$2500.00} a month by myself I work too hard to have people like this not care
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX/XXXX/XXXX, XXXX, XXXX XXXX
Consumer complaint received 2019-10-05
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. (SC)

THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE
Consumer complaint received 2022-02-22
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. (MN)

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX these are hard inquiries that i know nothing about!
Consumer complaint received 2021-06-11
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: Diversified Recovery Services Inc. (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account A DIVERS RECOVERY {$2400.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed from my credit report.
Consumer complaint received 2021-06-11
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: Experian Information Solutions Inc. (GA)

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, XXXX  and Experian investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Phoenix Financial Services LLC (MD)

I noticed a new debt on my credit file from PHOENIX FINANCIAL SERVICE located at XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for a medical debt. When I called on XX/XX/XXXX, they stated it was for an ER doctor dating back to XX/XX/XXXX! I asked for an exact hospital info but I was told that it would be mailed to me. As of today 's date I have not received anything. I contacted them again, but still no help and I was told it will take up to 60 days to get the letter. In the meantime, I am stuck with this on my credit file without being able to resolve the matter. I am a XXXX vet and have had medical coverage for many years, I would have reported this to any hospital or doctor I visited, but I can not call anyone about it.
Consumer complaint received 2018-02-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2018 I called TransUnion Credit Bureau [ My Credit Score with them is XXXX ] to ask them why XXXX  and XXXX credit scores were 45 points higher [ ranging between 720-730 ] for the last 4 months. 

They told me that there was nothing they can do, but they could send me a free report within 10 business days. I waited 4 weeks and still did not receive a report so I called them today and they still said that there was nothing they could do again, but they would resend me me another report.

The issue is simple - how can two of the 3 bureaus have a 45 point difference and why does the burden fail on me the consumer to check into why there is such a hugh score difference?
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (GA)

I refinanced my home with Mutual of Omaha with the first payment due XX/XX/XXXX. My escrow is in my mortgage. The end of XX/XX/XXXX I received a letter my escrow was short. Since I had been with them for only 6 month and the funds were still being collected into my escrow. I had to send them a check for {$1200.00} with is more than my insurance, {$1000.00} or more than one year of taxes $ XXXXPlus they increased by payment by {$20.00} for an additional {$240.00} I contacted them and explained based on the current escrow about and they remaining payments I was covered. I have not been with them a year and how can they determine is XXXX short. The taxes have been paid but insurance is due XX/XX/XXXX which basically I paid when I sent them the check. My current balance is {$970.00} with insurance due XX/XX/XXXX and taxes XX/XX/XXXX. So taxes and insurance total {$2500.00} and I sent them {$1200.00} and the increase of my payment is an additional {$240.00} totaling {$1400.00}. Just doesn't seem correct. I have owned other homes and have never had this issue. 
Regards, XXXX XXXX
Consumer complaint received 2021-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (CA)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2021-06-11
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. (GA)

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that XXXX, Transunion and XXXX investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2021-06-11
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: JPMORGAN CHASE & CO. (TX)

Hi there. Within the past year, I have been the victim of identity theft. An Amazon store credit card was opened in my name, but I do not even have an Amazon account. I have constantly attempted to get this card removed from my account and my credit report, but nothing has been done. It is still connected to my chase account, and now the unauthorized transactions are so great to the point that they have maxed out the card and the card is locked. Chase still claims that it is my card, even though I do not have possession of this card, and I have never used it.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SD)

Never had account XXXX XXXX XXXX. Convergent sends settlement letter. Name wrong. Middle initial not mine. No way sign stuff wrong name. Fighting this last couple decades. They passing around their dozen names come back again and again and again. Every time always tell never had account. Know own name. Cross country got dozen same name people different middle name. Not mine not mine not mine. Go drop dead
Consumer complaint received 2021-06-11
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: JPMORGAN CHASE & CO. (AR)

I recently went to finance a car so I have 4 recent inquiries, I downloaded my XXXX report and its showing multiple inquiries that I dont recognize. Some are car inquiries from before my car purchase, the car I had before the one I just bought was bought cash so those inquiries werent mine. Theres also some inquiries from what seems to be credit card for different stores. 
XXXX/XXXX XXXX on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX Jpmcb auto on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Jpmcb Auto XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-21
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: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX From : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ; Home Tel. XXXX To : Consumer Financial Protection Bureau Ref : Wells Fargo Credit Card No. XXXX XXXX XXXX XXXX ; Unable to Get Hard Earned Reward Points Dear Sir or Madam, Wells Fargo ( WF ) bombarded us with the WF Credit card applications. We were not interested in more cards. Finally, I applied for it and start using the card to get the rewards as promised 5 %. On XX/XX/XXXX, XXXX ( XXXX Nevada ) told me that my rewards will not be at 5 % ( only for 6 months a fact concealed nicely ). She also told me that reward points will expire on XX/XX/XXXX. This came as a shock since WF did not state this during the application process. I then asked her to send me a check of the remaining reward points ( balance about {$20.00} ) and then cancel the card. She refused to do that since the reward balance is less than 25 can not be given. I stated that this is a special case in that WF lied to trap me, or at least withheld important information. Further, she told me that cancelling the card will forfeit all the reward pints. She then said that someone from the executive office will call. 

On or about XX/XX/XXXX, XXXX XXXX XXXX called but refused to release my reward points ( ref : XXXX ). 

This is not fair nor it is legal to deceive customers by perpetual cajoling to get their card and then not pay the reward legally earned. It appears that WF is still involved in unethical and shameful practices. Dishonesty is deeply ingrained in WFs culture. We are helpless senior citizens and ask you to assist us in this matter. All we are asking is to get our earned rewards. 

Sincerely yours, XXXX XXXX Home : XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-10-15
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. (CA)

I applied for a loan today XX/XX/19 and I was not approved because there are inquiries and an account with negative history appearing on my credit report. None of those items belong to me. I do not have any type of contract or agreement with any of those companies nor have I ever had an account open with them. I don't know who opened this account and made these inquiries using my information but I have never given anyone permission to do so. I did not benefit anything from these inquiries and account such as money, goods, services or any other benefit and I never participated in any purchases or payments in regards to those items. I have already filed a police report regarding this suspicious activity on my credit.