davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (MI)

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 has violated my rights : 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S. Code 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Charge-offs are a cancellation of debt which become INCOME, and income is prohibited information on a consumer report. 

Furthermore, XXXX XXXX debt and any actions of collection was dismissed in the court of law and should not appear on my consumer report.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC (OH)

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX  Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 6 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Consumer complaint received 2017-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted KOHLS regarding their negative reporting on my credit reports. This account was paid off and I was told it would be removed from my credit reports and it never was. When I reached out to KOHLS they sent me a letter saying they do not have this agreement on file because the " retention period has passed ''. They also claim to not be able to find my information in their systems without me providing them with the account number which I no longer know. This is unfair to me as a consumer and I would like for them to hold up their end of the deal that was made years ago. This account shows that is has a zero balance but it still shows up as a charge off/collection on my reports, that has a negative impact on my reports.
Consumer complaint received 2021-03-06
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: EQUIFAX, INC. (CA)

Even though Ive paid off all my loan and credit card balances Equifax is refusing to update my credit score. In fact theyve lowered it to a poor rating.Also XX/XX/XXXX has addressed for me listed in XX/XX/XXXX although Ive never lived in XXXX in my entire life. Equifax refuses to remove it. I reported this numerous times over the last year
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

I sent {$1000.00} USD from XX/XX/XXXXXXXX Wise 's partner ) to my Wise USD account on XX/XX/2021. On XX/XX/2021, XXXX sent me an email saying they were closing my USD account. Wise did not provide a reason why they were closing my account. Wise has said they will be holding my money for a minimum of 60 working days.
Consumer complaint received 2023-04-05
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. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-02
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-05
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-28
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX  XXXXBalance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2019-05-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Bank mailed me an offer letter to open a checking account with a {$500.00} balance maintained for 60 days, to receive a {$250.00} cash bonus after 60 days. ( See attached letter. ) I opened an account with this bank on XX/XX/2019, with a {$500.00} balance maintained for 106 days as of today. 
Bank has failed to fulfill their promissory offer, as of today 's date, XX/XX/2019.
Consumer complaint received 2021-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to dispute this account over and over again with both Transunion and XX/XX/XXXX The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.
Consumer complaint received 2021-03-06
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. (IL)

I am a XXXX XXXX XXXX and a XXXX  service member in the XXXX XXXX. I am having an issue with getting the Us Department of Education Default Resolution Group to fix the inaccuracies on my credit report. They are reporting data for 11 accounts to the credit bureaus. My student loans went into default on XX/XX/XXXX as a result of being laid off from my job. They were transferred from XXXX XXXX XXXX  to the US Department of Education Default Resolution on XX/XX/XXXX. First, on my Experian credit report, the accounts were re-aged which is a violation of the FCRA. The account status date changed from XX/XX/XXXX to XX/XX/XXXX this effectively extended the time that the accounts are to be reported on my credit report. Next, on my XXXX credit report, they are reporting a payment history that shows the same accounts went into collections on XX/XX/XXXX. This is impossible because my loans did not go into default until XX/XX/XXXX. The loans were not transferred to the US Department of Education Resolution until XXXX. They should not be reporting any information prior to that. Also, they are reporting that monthly payment on the accounts even though the accounts are closed. Not only is the information inaccurate, but it also contradicts what is being reported by Experian. On my XXXX credit report, in the payment history, it is reporting 3 dates for the collection : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Again, this contradicts what is being reported by Experian and XXXX. I contacted the Us Department of Education Default Resolution over 15 times in the span of 2.5 years asking them to fix this issue. They told me that they can not fix the issue and that I needed to dispute with the credit bureaus. I've dispute with all 3 credit bureaus several times via mail, online, and over the phone but nothing has changed. I've been dealing with this issue since XXXX of XXXX and need this issue resolved.
Consumer complaint received 2019-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I tried to buy a product online ( XXXX for {$250.00} ) but was scammed when the other person tried to get more money out of me when they said my payment didn't go through. XX/XX/XXXX. I used XXXX which I felt safe using since it was connected to my bank app wells Fargo. I immediately called wells Fargo after feeling doubtful & they opened a claims case. I waited forever just to get a letter saying they can't do anything since I authorized the transaction. ( Late XX/XX/XXXX, XX/XX/XXXX) This shouldn't be connected to a banking app if its not safe to use or protected.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of 2019 American Express chose to cancel my AMEX Platinum credit card. In the same month, the company chose to charge its annual {$550.00} membership fee to my account. This amount shows up on my credit report as past due. Annual is defined by one year in the English Dictionary which is defined by 365 days also in the English dictionary. If they canceled this card without my permission, then I am no longer an annual member ( as described by this fee ). As far as I am concerned, American Express does not have anything in writing that states that it has the right to collect a membership fee after they decide to cancel a card member 's membership. What is the point of the annual membership fee if I can not hold this membership for the 12 month period ( as defined by the word annual )? Either American Express can prorate this fee so I that I can pay for the months of 2019 that I was a member and had a valid working card ( defined by a card that is not canceled ) or the company refunds the fee entirely.

Unless American Express can provide proof of a written policy, that it has the right to charge card holders this fee even IF it chooses to cancel their Amex cards, then they need to refund me or anyone else in this position immediately. 

Thank you
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (HI)

I received a prequalified-to-apply mail from Citibank. On XXXX, I made a phone call to confirm that they will not ask for any type of citizenship or permanent residency documents, since I had heard from two other people that they have asked for those documents from foreign nationals with certain nationalities in the past. The operator replied to my inquiry as : " we will just ask about your nationality in your application and if not a citizen, a social security number, and a state ID or driving license would be fine in case we need to verify your identification. '' I submitted my online application the same day, and in a few days I received a letter from Citibank asking me to provide a US passport or a permanent residence card. When I called their customer service I've been told that for my case I have to visit a Citibank branch. Then the problem is that Citibank does not have any branches in the state of Hawaii, and the closest branch is XXXX miles away. They were only polite to say that we apologize if you called and you were mistakenly misinformed, and refused to remove the hard pull on my credit report. I also don't find it reasonable for a bank to advertise, sending mail offer, to the locations that they do not provide any local services.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

XXXX still hasnt updated my XXXX XXXX account I paid this account.this account is well over 10 yrs old I called to get proof from them to show I paid it but because this account is so old it is no longer in the system. The dispute number for this is XXXX on XX/XX/19. This still shows derogatory/ profit loss
Consumer complaint received 2019-05-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (VA)

I contacted IQ Data in XXXX. I have been paying my debt both to country and private individuals to include IQ Data. Representative XXXX XXXX and I agreed to a monthly payment in the amount of {$340.00}. This amount was agreed to be deposited on the XXXX of every month. I paid {$340.00} on XX/XX/2019 and {$340.00} on XX/XX/2019. I spoke with XXXX XXXX on XX/XX/2019 in regards to a settlement. The recorded conversation will note that I stated I would contact him if I could pay the settlement of {$1000.00}. I did not contact XXXX XXXX. Therefore, indicating I could not afford it. On XX/XX/2019, IQ Data withdrew {$1000.00}. I called IQ Data and the information given in their defense is false and inaccurate. If the line is recorded, then they will know I did not agree to settle on XX/XX/2019. IQ Data states that they tried to contact me on several occasions on the date of XX/XX/2019 to verify if I could commit to settlement. I have a phone log that states I received no call. IQ Data stated that they left me several voice mails. My inbox states otherwise as my voicemails are forwarded and can not be deleted due to company IT regulations. This company is why people dont pay debt. They are building a defense with no credible information. I request the recorded conversations to be sent to me. If I am wrong I will pay {$1000.00}. I am most certain this is harassment and falsely using information. You will see in attached documents that voicemails have been logged. There is a deleted folder that can not be deleted due to company IT restrictions.
Consumer complaint received 2019-09-20
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. (CA)

My name is XXXX XXXX XXXX, my SS # is XXXX. I am FILING THIS COMPLAINT TO XXXX XXXX FILE # XXXX I HAVE A FEW ISSUES WITH FURNISHED ITEMS ON MY REPORT! Please send me the name and address of the provider or furnishers providing this data, and the manner in which it was provided so I can conduct my own research with additional legal remedies. FCRA requires a reasonable procedures to assure 100 % accurate the information on my credit report. I request you verify the items disputing without a simple computer generated inquiry, e-Oscar or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source. FCRA Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. I DO NOT CARE TO USE Civil liability and the remedy available to me for the " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. Your failure to positively verify these accounts has hurt my ability to obtain credit. PLEASE DELETE THE FOLLOWING UNKNOWN ACCOUNTS :  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (CA)

To Whom It May Concern, The reason for my dispute is PLAZA SERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, PLAZA SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) PLAZA SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation PLAZA SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where PLAZA SERVICES is in compliance with CALIFORNIA LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. PLAZA SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (FL)

XXXX Still hasnt updated y account owned by WAYPOINT. On XX/XX/19 I filed dispute on this and result was this account was completely rejected dispute # is XXXX Lender contact info is XXXX XXXX . XXXX. XXXX XXXX Texas XXXX XXXX
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

Hi I have some trouble on my Amex credit card and need you help. 

I have applies an American Express Premier Rewards credit cards via the website of American Express. It said that I would " Earn XXXX Membership Rewards Points after you spend {$2000.00} on purchases on your new Card in your first 3 months of Card Membership ''. However, when I finished my {$2000.00} purchases in first 3 months, I didn't get the so-called " XXXX Membership Rewards Points ''. I have contacted them for this issue. They just said they think I couldn't get these points without any reason. 

They never told me that I can't get these points when I was applying and paying with this credit card. How can they cheat me to apply this credit card and refuse to pay me the so-called " XXXX Membership Rewards Points ''? 

In a words, They has no reason to refuse paying me " XXXX Membership Rewards Points ''. 

That's all about my issue. 

Thank you for your kind assistance.