davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 1. Account XXXX Account Balance {$300.00} 2. Account XXXX XXXX XXXX Account Balance {$300.00} 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.

15 U.S.C 1681C ( 2 ) ( 5 ) Sections states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable believe that the information is inaccurate.
Consumer complaint received 2022-08-29
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. (MO)

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2021-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.
Consumer complaint received 2019-01-29
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: ID Analytics, Inc. (OH)

To Whom It May Concern : While reviewing a copy my credit report, I discovered that some of my credit references are not included but have been reported. Please add the following accounts along with my credit history as evidenced by the attached letter from the merchant to my credit report. 
Merchant Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ] of the Fair Credit Reporting Act, there should be no charge for this report because it currently is incomplete.If you have any questions or need additional information, please contact me at the address listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (NY)

About half a year ago I some problem with my credit report with XXXX, I called them and they told me that I have a balance. That was a surprise to me because I haven't recieved a bill in almost a year. I called and resolved the issue and pay off the balance. I was told that it wouldn't affect my credit. Half a year later, today I saw my credit being affected even worse. I called XXXX and was sent to collections and was told I have a balance of {$2.00}. Apparently this {$2.00} was added on as interest after my account was paid off. There was no bill, no calls or anything to even let me know of this problem. The consumer agent on the phone told me that XXXX does it's billings like that and that they still tackle on a interest even if your account is paid in full. Now my credit is hurt badly for a mistake that XXXX made.
Consumer complaint received 2021-08-21
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: DISCOVER BANK (FL)

In XX/XX/XXXX I was laid off from work and later following after finally landing a somewhat stable job, Covid-19 happened. My Account XXXX, Dates XX/XX/XXXX until XX/XX/XXXX creating the biggest financial hole. I CONTACTED DISCOVER 2 times to let them know my situation and how i been financially injured.I ask for help but was rejected when i contacted and also sent a letter as i am being denied because of these remarks on my credit.I am writing the complaint as XXXX XXXX XXXX and DISCOVER has refused to remove and account that has been clearly has had previous history of good payment history. I did not receive my unemployment until 7 months later when XXXX XXXX when COVID started.
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXXXXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TN)

On the XXXX of XX/XX/2022 I got two unauthorized debit transactions for {$150.00} and {$160.00} from a gas station in MN. Ive never been to the state of Minnesota or used my card there. I called chime bank to open a dispute of which they denied saying the charges was legit. I need my money back pls total {$310.00} Claim ID is XXXX
Consumer complaint received 2020-11-06
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. (FL)

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

I noticed I had late payments on my XXXX XXXX/XXXX XXXX Card after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not correct.
Consumer complaint received 2023-01-26
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: Bread Financial Holdings, Inc. (OH)

As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XXXX XXXX XXXX  I sent a certified mail letter to a company called Comenity Bank Forever 21 regarding this unauthorized inquiry to my consumer report that took placed on XX/XX/XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Comenity Bank Forever 21. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I not received back a response from Comenity Bank Forever 21. Nor have I received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

My account was frozen on XX/XX/2022 and was told it would take up to 3 weeks to investigate why it was frozen. I was given no information at all but my funds were frozen. I was told my request was escalated to receive a faster response but no response at all. My husband 's account was also frozen. Last week I called for further detail and was told it is still with their investigative team, but I could not get any further info or speak with their team. I escalated as far as I could but they make it impossible to contact them. After 3.5 week, I tried again today only to be told I have to wait indefinitely for a response, even after being escalated to a supervisor. They would not escalate further and I was told to wait indefinitely for a response. Venmo is currently holding my money and my husband 's money for almost a month with no explanation at all.
Consumer complaint received 2019-03-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend. 
Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames. 
With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (SC)

I have e-mailed Navient in reference to the student loan forgiveness program and they stated they could not assist. I received an e-mail from them stating my loans could qualify but when I reached out to them, no one would try to assist. I downloaded my payment history and on a {$42000.00} loan, I made {$29000.00} in payments. How can my balance still be {$35000.00}. This math doesn't add up. My balance should not be this high with the low interest rate I have. Also, I wanted to know if XXXX with the XXXX XXXX would qualify for forgiveness but again no one would answer my question. Please help.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

EXPERIAN is inaccurately reporting my balance on my XXXX XXXX personal line of credit. The actual balance that should be reported on my file is {$770.00}. Out of my {$9000.00} limit {$8200.00} is available. I have a letter from XXXX XXXX to validate the information that EXPERIAN is reporting is inaccurate.
Consumer complaint received 2022-09-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were 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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

American Coradius International LLC ( ACI ) has been calling my number 3 times a day for the last 45 days ( more than ~130 calls in total ), claiming I owe XXXX XXXX , {$790.00} in debt. I have have or have had a XXXX account. 

They provided the following information : Account number : XXXX Reference number : XXXX Amount : {$790.00} After multiple attempts of me telling them to stop the harassing and repeated calls, throughout the day, they have still continued to call me and recently also sent me mail via USPS on XX/XX/2019, demanding that I pay this debt that is not mine. 

I called XXXX ( who ACI claims is the original creditor ) and they confirmed that I had no accounts, amounts owed or any form of debt with them. It appears that ACI is trying to scam me ( and others ) by creating fake debt collection requests without any authorization or demand from original creditors. 

The Debt Recovery Agency 's full name and informations is as follow and appears fictitious. Oddly, they provide two addresses for their operations which is very suspicious as well. 

American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2022-08-29
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. (MO)

This is XXXX XXXX XXXX submitting yet another CFPB Complaint today requesting the removal of the Fraudulent items from my Credit Report. Again, I was a victim of identity theft and this is my fourth request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This complaint is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, MO XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX date of inquiry XX/XX/XXXX XXXX date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a consumer and natural person. Navy Federal credit Union is in violation of the following Federal laws : Fact, affiant is aware and has proof pursuant to 15 USC 1611 that Navy Federal Credit Union is criminally liable for violations of 15 USC 1605 and 1666d as it led me to believe that I am responsible for paying cash for the balance on the XXXX XXXX account. Navy FederaXXXX has accepted cash payments from me. 

Fact, affiant is aware and has proof pursuant to 15 USC 1605 that a finance charge is the sum of all charges. A finance charge was involved in the consumer credit transaction I initiated when opening the XXXX XXXX account. 

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not responsible for any financial obligations to Navy Federal Credit Union.

Fact, affiant is aware and has proof pursuant to 15 USC 1666d, that Navy Federal has failed to credit my XXXX XXXX account with the finance charge involved in the consumer credit transaction I initiated upon opening this credit account on XX/XX/2021. 

Fact, affiant is aware and has proof pursuant to 15 USC 6802 that I have the right to opt out of the sharing of my nonpublic personal information with third parties.

Fact, affiant is aware and has proof pursuant to 15 USC 1602, my XXXX XXXX account is an open-end credit plan.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and 1343 that Navy Federal has devised a scheme to obtain money by means of fraudulent pretenses.