davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have notified and provided proof of payment to the credit reporting agencies that the balance owing for XXXX is not accurate and it was seated on XX/XX/22. 

The response I received from the credit reporting companies is that the balance is accurate, I also submitted proof of payment from the collection company, but still no resolution as of today. 

Company is Transunion.
Consumer complaint received 2022-03-21
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. (OH)

XXXX XXXX XXXX Account number XXXX XXXX XXXX, XXXX Account XXXX - Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX 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 n accordance with the Fair Credit Reporting act 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 2024-03-08
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. (TX)

I am writing to express my dissatisfaction and frustration regarding the numerous attempts made to remove fraudulent items from my credit file. Despite multiple efforts to rectify the situation, the issues persist, and I find the current state of affairs to be unacceptable. Clearly outline the nature of the fraudulent items, including dates, amounts, and any relevant transaction details. Provide a brief summary of the steps you have taken to address the problem so far, including dates and methods of communication with the company or service involved. If applicable, mention that you have attached any supporting documentation, such as screenshots, emails, or correspondence related to the fraudulent items and your attempts to resolve the issue. Describe the impact the unresolved fraudulent items have had on you, whether it be financial stress, inconvenience, or any other relevant consequences. Clearly state your expectations for resolution, whether it be a full investigation into the matter, a refund, or any other appropriate action. Specify a reasonable deadline for the company or service to respond to your complaint and take corrective action. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$210.00}.
Consumer complaint received 2022-07-06
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (TN)

I set up an account with Binance.US earlier this year, shortly thereafter I decided that I would not be needing to use this exchange, so I removed the Binance 2FA from XXXX Authenticator. At the end of XXXX I transferred cryptocurrency ( VET ) to XXXX XXXX on my phone, with the intention of moving the currency to my XXXX account in a week or two. However I did not know at the time that the XXXX XXXX XXXX uses their own cryptocurrency for network fees ( gas fees ) called XXXX. The only place I can buy XXXX is Binance.US. I have asked them repeatedly to reset my 2FA method which will allow me to login and purchase XXXX, at the time of this writing I have about {$1500.00} in VET that I can not access because Binance.US customer support is completely unresponsive. They asked me for information 6 days ago, I sent them the requested info to verify my identity, a short video requesting that my 2FA be reset, a picture of my DL, front and back, as well as a picture of me holding my driver 's license. Still nothing, thank you in advance for any help with this, I just wanted to call out Binance for their spectacularly poor customer service.
Consumer complaint received 2020-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (CT)

I am sending this request for the third time in response to a notice I received from you, on several occasions I have one disputed the item two sent 2 complaints in regards to this matter.This is not a request for " verification '' or proof my mailing address, but a request for Validation made pursuant to the above named Title " Toyota Financial Services '' I respectfully requested that i was provided with competent evidence that I have any legal obligation to you. what I have not received was the following -- -- verification or copy of any judgement if applicable -- -- prove the statue of limitations has not expired on this account -- -- show me that you are licensed to collect in my state, and -- -- -provide me with your license numbers and registered agent If your offices have not reported invalidated information to any of these three major Credit Bureau 's ( XXXX , XXXX or XXXX , ) said action might constitute fraud under both Federal and State Laws.due to this fact, if any negative mark is foudn on any of my credit reports by your company or the company that you represent I will not hesitate bringing legal action against you for the following Violation of the Fair Credit reporting Act Violation of the Fair Debit Collection Practices Act Defamation Of Character
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Millco Management (NJ)

I just received an email from my bank today and it says that it looks like your account with AMERIFINANCIAL SOLUTIO received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. I don't know subject company, neither a balance I need to pay.
Consumer complaint received 2022-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

Account Statements conflict with my records. My records show details which of a total of XXXX payments made during the XXXX months from XX/XX/XXXX thru XX/XX/XXXX. The XX/XX/XXXX payment also was not credited to the account according to Selene Finance LP records. The following payments have been tendered and are not reflected in the ** Account History**. Payments started in XXXX XXXX XXXX days in advance for the XXXX XXXX. Followed by a second payment in XXXX. This was done to preemptively address the systemic processing delays, account errors, and failure to provide timely account statements by Selene Finance LP and the predecessor XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-12-03
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-03
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. (PA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MT)

Debit cards repeatedly hacked, online purchases that are not mine. I continually have to dispute charges and cancel cards. PayPal hacked and multiple fraudulent charges, credit cards in my name that were not mine that went into judgement And letters saying I am rejected for cards I did not apply for. My info was leaked by the XXXX  XXXX  XXXX, hearing and appeals for XXXX probate. XXXX XXXX XXXX took {$2500.00} and PayPal refused to reimburse us for goods not received ; he is a con XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-06
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I purchased from XXXX a laser with the ability to actually burn items. When I received the item, the item was not capable as advertised on their website. Turns out it was fraud and false advertising with multiple complaints online from people duped into believing the device was capable of actually acting like a torch. I submitted my dispute with USAA along with evidence ; according to their research which they will not share with me, they determined the charge was valid. I see no evidence that any sort of investigation was performed. I was told to submit a letter explaining why as an attachment but I already submitted my dispute within the text field when I originally filed my dispute. 

When I spoke with the MSR on XX/XX/XXXX ; she told me she did not have access to see the original text from my dispute and only the attachments thus creating more work when I already explained why I was disputing it. 

She recommended me sending a letter to dispute it again via mail. Not sure why I would want to do that when I already did it online. Submitting it via mail would only add to further expenses on me for already being defrauded by this company. 

I also submitted a complaint directly to the company Complaint # XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

wrong address on file! I have wrote them several times I have certified mail receipts ... .I might need to be considered in the lawsuit against the bureaus the one from XXXX ... .update and correct my address or I will file lawsuits for inaccurate infomation I cant get insurance because of these address errors.
Consumer complaint received 2018-07-03
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. (LA)

On XX/XX/2018 I notified Equifax of a dispute involving two bankruptcies reporting on my credit report. I requested an investigation and verification of the information in the report. On XX/XX/2018 Equifax submitted the results of their investigation and stated that the matter had been investigated and came back verified. They went on to state that the verification had been performed by way of state, local and federal information obtained through a third party, XXXX XXXX. However, prior to initiating the dispute, I placed a security freeze on all information contained in my XXXX XXXX files. That security freeze became effective on XX/XX/2018. At the time of the investigation and verification, the security freeze was in place and prevented the verification of the public record which Equifax claims to have verified. 
After receiving the verification from Equifax, I contacted XXXX XXXX to inquire whether any request had been made for information in the XXXX XXXX files and if so, who were the recipients of the information. I was informed by XXXX XXXX that as long as the security freeze remained in effect, no information from my files could be dessiminated. Equifax 's assertion that the public records were verified is dishonest.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (PA)

I need to repair my FICO credit score in order to get a home loan. It plummeted XXXX  points because of this issue. I went to the XXXX   at XXXX XXXX Hospital in XXXX, Pa in XX/XX/XXXX and since I was XXXX, they sent me to the XXXX XXXX department first. Then I was sent to the XXXX   where I paid the copay. I received a statement from the XXXX XXXX, but not from the XXXX. Since I never received a statement from the XXXX, I thought I didnt owe anything else. Then I got a bill from a collections agency- Phoenix Financial Service . I called my hospital to inquire about it and they called me back almost 2 weeks later. I ended up messaging them through XXXX online portal because they were taking too long to get back to me. The rep said that I didnt have any collections due. So I thought the matter was resolved. Fast forward to XX/XX/XXXX and Im trying to get a home loan and I cant because my score was damaged because of the collection claim. When I spoke to a billing rep for my hospital, she said that the XXXX  department goes through another agency called XXXX XXXX XXXX XXXX. I received calls from this number several times but I thought it was a scam- trying to get my credit card info to pay my hospital bill even though I had already paid it ( or so i thought ). I called XXXX XXXX XXXX XXXX  and the rep was unkind and just said youll just have to deal with collections. So now Im trying to repair my credit score because the XXXX  department failed to notify me that I would need to pay my Bill, not through XXXX, but through an entirely different company. I have paid the collection agency ( Phoenix financial ) in full. I have no other debt collections. My credit score was XXXX and now it is at XXXX. I worked hard for years to build my credit and it has been ruined by one collection due to a massive miscommunication with billing.
Consumer complaint received 2021-04-15
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. (CT)

In about XX/XX/2020, I closed a credit card with XXXX XXXX XXXX. Apparently, it was never closed. I have statements and proof of all payments ( even of them charging me for a prorated yearly fee, after I closed the account ) and statements until the end of 2020, which show a XXXX balance, including their mobile app, which STILL shows a XXXX balance. I never carried a balance of more than a few dollars on this account. Today, I was notified by Experian that I had a derogatory account with them, and they did a chargeback for {$340.00}. Not only was there XXXX correspondence about a debt I might owe, there was nothing at all on their mobile app that I owed money. To this day, it says I have a XXXX balance. I have spoken to 3 people, including 2 supervisors at XXXX XXXX, and they could not tell me about any charges or fees I neglected to pay. I have statements to prove it. Yet, they sent my closed account to a collection agency, severely damaging my credit, and my good name. I have gotten nowhere with them, despite legitimately trying to resolve the issue. This is fraudulent! I pay my bills, and they are wrong! I respectfully ask that you resolve this issue, and severely penalize this terrible company, who Ive found out has thousands of complaints like mine with the XXXX XXXX XXXX. Please help me! Also, please inform the 3 credit bureaus ( XXXX, XXXX XXXX, Experian ) that I am in good standing
Consumer complaint received 2022-10-08
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)

I am submitting this CFPB Complaint to follow up the recent CFPB Complaint I submitted to TransUnion Credit reporting Agency regarding the removal of the disputed fraudulent account from my Credit File. TransUnion is reporting a deleted information from the other Credit Bureaus and TransUnion has no rights to continue the reporting of the disputed account without proper verification. Under the Fair Credit Reporting Act, TransUnion is required to report accurate information only and have the disputed fraudulent accounts and information deleted completely from my Credit File. It makes me wonder if the Credit Bureaus did the same actions and seek verification from the Creditors, how come TransUnion is the only one reporting these items? If TransUnion claims that the disputed items are verified, I previously requested TransUnion to send me copies of proof of verification and or proof of ownership which TransUnion have failed to do so. TransUnion is required to remove the disputed items completely from my Credit File : TRANSUNION : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXXXX/XX/2022