davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (IL)

Dear XXXX, Transunion, and XXXX Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Wrote to All 3 credit reporting agencies, nice letters that convey the lack of movement ( stagnation ) FICO score for over 20 years! XXXX is the worse by far. Their score was XXXX as of XX/XX/2022. A young man i know crashed his car With no insurance and his is XXXX in just a year, i have tried EVERYTHING, my payments are exceptional, a debt of {$2900.00}. Good Pension, XXXX income and i live rent free in the XXXX XXXX XXXX no bankruptcies ... All this is telling me is the industry itself is not doing their due diligence in following up on anything. They even stated my letter was illegible even though i printed it. XXXX  by the way is at XXXX ( checked yesterday ) so while I did argue with the customer service rep. today, XXXX wanted my birth certificate and other info. As a business the requests that when a SS number suffices on the internet, Why on Earth do you need a Birth Certificate to prove Who i am ... makes no sense. The Credit industry needs to be totally revamped as they caused me to Not getting a XXXX nor a Heloc loan just stupid XXXX.
Consumer complaint received 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-03-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc. (ME)

I started to use Revolut app about a month ago. Also signed up for premium. 

At first I attempted an exchange and was charged a large fee, so I inquired and was told I was advised to sign up for premium membership. 
Then I attempted another exchange today, I noticed after the transfer that I was charged a large fee ( XXXX $ ) again without any clear notice of the same. This was contrary to what I expected as I was told by customer service to get premium to avoid fees. 

Then when I reach out to customer service, I get an explanation that this was a weekend charge. I did not see a fee displayed prior to the exchange. I attempted to bring up the same screen to see how the exchange makes it clear that there would be a fee. Heres what I discovered - REVOLUT INTENTIONALLY HIDES THE FEES BELOW THE BRIGHT BLUE EXCHANGE CURRENCY BUTTON.

This is clearly intentionally deceptive and fraudulent. I've requested a call from a manager and was told they don't allow speaking with customer service and must rely on chat feature in the app, who are not helpful at all. 

Attached is a picture of your app clearly showing the deception at work. 

Thanks for your attention to resolving this.
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 — Old information reappears or never goes away
Company: Radius Global Solutions LLC (TX)

XXXX, the XXXX. XXXXXXXX XXXX XXXX XXXX charged off a credit card account and assigned it to Radius Global Solutions. I was told that after paying the Balance in Full that the account would be removed from my credit report. 

I've paid the XXXX XXXX Store Credit Card off in XX/XX/2020 and the item will not go away and is still listed on my credit report. 

I've tried contacting someone to get this resolved but haven't received any feedback. 

I paid the balance in full.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (FL)

They lowered my credit limit and stated it was because of what the credit bureaus notified them. I spoke to all 3 bureaus and they state they didnt. Ot notify them of anything as the company would have to request. I've heard of Comentity doing this to XXXX Americans quite frequently and it is very unethical. I have an extended fraud alert on all 3 files and I didnt give anyone permission to access my files.
Consumer complaint received 2023-10-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below BANK OF AMERICA XXXX
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

When I use a free ATM, the one at kwik trip at XXXX XXXX XXXX and XXXX. WellsFargo " reimburses '' me an ATM fee of 4 dollars. The ATM is free, there is no fee. so there is no fee to reimburse. I should not be getting 4 dollars from Wells Fargo every time I use the ATM. 

I tried talking to the staff at my local branch they say they know of the problem but they can not fix it and that I should be quiet. It seems very suspicious to me. 

I have heard news stories of people getting money deposited into their accounts they should not be getting. and then getting in trouble with the law. So I have stopped using the ATM. And need to make sure wells Fargo takes back the money they have falsely given me.
Consumer complaint received 2021-08-24
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. (FL)

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, Experian & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under XXXX  & Experian. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

I have requested validation from this company on several occasions and have not received nothing but a bill with no itemized statements. company is adding monthly interest charges to the invalidated debt amount. Company is claiming I owe for an apartment but has not supplied the apartment lease bearing my signature or contract. Majority of the charges are for damages but no description or details of said damages that could belong to anyone. whenever i file complaint complaint responds to complaint stating they mailed out validation but only submitted list of debt with no contract/ lease which is attached to this complaint. company is illegally charging interest, damages that do not belong to me and holding my credit report hostage for an apartment they have not supplied a lease with my signature for. I have tried working with company and they are putting fraudulent charges on my credit report, not following the guidelines of the FCRA nor the texas tenant rights. as stated below company needs to give description of damages which the attached documents do not show any description of damages. company is also charging reletting fee, unpaid months of rent beyond the said 3months that were left on the lease contract which is against tenants rights. 

Deductions for damages. Under Texas law, you must give the landlord a forwarding address in order to receive your returned security deposit. The landlord must return your deposit less any amount deducted for damages within 30 days. If the landlord withholds part or all of your deposit, they must give you an itemized list of deductions with a description of the damages.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

XXXX Cardmember Services XXXX. XXXX XXXX XXXX, DE XXXX XXXX : XXXX CARD # XXXX Previous credit limit : $ XXXXCurrent credit limit : {$13000.00} On XX/XX/XXXX, XXXX credit card reduced my credit limit for no reason. They send me an email stating : Previous credit limit : $ XXXXCurrent credit limit : {$13000.00}. I have tried to call them to find out they this action happened. They only tell me to ask for a credit line increase. My current credit score is XXXX, so I know that they want increase my credit line. 

I do not have any late payments or any over the credit limit with this bank. XXXX has not responded to nay letters about this problem. My credit score has been damaged because of this action. 

I have made ever effort to work with XXXX concerning this problem.
Consumer complaint received 2021-08-25
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: EQUIFAX, INC. (GA)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2021-08-24
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. (FL)

I already disputed this account ( XXXX XXXX  XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under Equifax, XXXX  & XXXX  from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is XXXX/XXXX  which is basically the same as XXXX because XXXX stands for XXXX XXXX XXXX  and with the same account number XXXX is reporting negative under Equifax & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Consumer complaint received 2021-08-24
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. (AL)

Knowing Violation may commence a civil action per 15 U.S.C 1682s ( 2 ) ( A ) I am filing a complaint against you. You are willingly violating Federal Laws by reporting my personal information after I had told them not to. OnXX/XX/XXXX I've filed a complaint about the Laws they violated, and you choose to ignore them and continue to furnish information that is to be excluded. Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Pursuant to 15 U.S.C 1681c ( a ) ( 5 ) Any other adverse item of information is to be excluded from my report which is another FEDERAL violation they have committed. These are knowing violations that will commence a civil action pursuant to 15 U.S.C 1681s ( 2 ) ( A ). I demand as a Consumer/Natural person for you to remove XXXX XXXX XXXX from my credit report! Don't tell me you will contact the data furnisher, the fact is you are in violation of the Federal Law stated above. What they say is irrelevant. Your response will be used as an exhibit if this issue doesn't get resolved. We are tired of suffering because of your unwillingness to comply and don't tell me I'm not the one filing the complaint I am tired of your excuses.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (MO)

On XX/XX/XXXX Navy Federal confiscated $ XXXX out of my checking account due to a minor checking account I was associated with with my daughter. My daughter and other branch member have contacted the bank and have made them aware of the wrongfully inputted info and have waited the QUOTED 15 days for the dispute/security department to investigate the matter and they have not returned with an answer. This process has called me stress in trying to figure out how to suffice for income loss.
Consumer complaint received 2021-12-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A method of verification letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 and was not responded to. TransUnion is in violation pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give me the method of verification information within 15 days of my request. A second letter was mailed USPS, First Class, Certified Mail ( XXXX ) to TransUnion on XX/XX/2021 simply requesting they provide me the name of the company who furnished this information thats being reported on my credit report. TransUnion have violated my consumer rights for the second time, pursuant to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). How can they continue to break federal law like this?
Consumer complaint received 2021-08-24
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: LEXISNEXIS (CA)

Hello. I submitted an item to be disputed with LexisNexis by certified letter on XX/XX/2021. The letter was delivered to LexisNexis and signed for on XX/XX/2021 at XXXX. 
After 60 days, I have not received any reply from LexisNexis regarding my dispute! 
So since they are now in violation of federal law, I am sending the attached information back to LexisNexis demanding they now delete this item from their records! 
Thank you!
Consumer complaint received 2022-12-16
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. (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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 15 U.S.C 1681.

Has Violated my rights. 

1. Account Name : XXXX XXXX / Account number XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXX  Account Number : # XXXX XXXX.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Has Violated my rights.

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

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 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.