davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
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. (GA)

I have disputed this creditor on my credit report XXXX. with Transunion and XXXX  more than several times and I just keep getting the same result despite my efforts of sending documents to support this claim against this creditor. I have filed complaints on this creditor a long with a compliant about XXXX. some years ago. since then I have filed a lawsuit against them for violating the Debt Collection Practices Act. and they are reporting the account closed but. also the Transunion and XXXX  keep putting remarks on this account saying its affected by natural Disater it is not a current student loan it is over thirty years old its just been updated because the THE GOVERNMENT KEEP LETTING THIS COMPANY OPERATE WITH THEIR RUTHLESS PARTICES DESPITE ALL THE COMPLAINTS AGAINST THIS CREDITOR. DESTORYING PEOPLE CREDIT AND LIVES.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

I disputed fraud on my account I was refunded for the fraud upon being refunded the bank closed my bank account and did not release funds stated I received funds in 30 to 60 days which is unacceptable I need my money right away
Consumer complaint received 2020-11-16
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: Real Time Group, Inc. (UT)

Real Time Resolutions is reporting a debt on my credit file that is not mine. I recently pulled my credit and noticed this debt reporting on my file. They are trying to collect for a debt with XXXX  XXXX XXXX. I have never had an account with XXXX  XXXX XXXX  and I have told them that. This account is fraudulent and belongs to someone else. This account is on my credit and needs to be removed THE DEBT IS NOT MINE! This is really affecting my credit and I shouldn't have to deal with taking care of someone else 's account. This debt needs to be removed from my credit file and I suggest you find the correct person this belongs to.
Consumer complaint received 2021-05-14
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. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2017-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XXXX XXXX XXXX I received a reply from TransUnion regarding the dispute of inaccurate and unverifiable bankruptcy information contained in the public records section of my credit report. TransUnion says the information is verified as accurate. Yet, you can see the information is invalid & not verified. It 's as simple as seeing that they even continue to report inaccurate telephone number information ... as well as other inaccuracies & unverifiable information too. 

Additionally, TransUnion has also violated the Fair Credit Reporting Act by neglecting to show that the contested information is " currently being investigated '' or as " consumer disputes ''. Furthermore, TransUnion is not supposed to score the contested information against me during the verification process. 

Additionally, TransUnion has NEVER verified the public records information DIRECTLY with the Bankruptcy Court of XXXX County Court. If they had, they would 've  discovered that much of what they 're reporting is inaccurate and incomplete. I have a right to ONLY have this information verified DIRECTLY with the original creditor ... which is the US Bankruptcy Court or XXXX County Court. 

I have also attached a letter from the US Bankruptcy Clerk  that states that credit agencies get their information from a 3rd party service such as XXXX or other agencies like  XXXX. This is not reliable, and is prone to errors. 

TransUnion has only been relying on the verification of this data from XXXX, which is a DIRECT CONFLICT ... as XXXX sells consumer information to TransUnion. 

I am demanding that TransUnion be reprimanded by the CFPB for their continual violations of the Fair Credit Reporting Act & for falsely claiming to have investigated and verified the accuracy of the misreported information ( directly with the US Bankruptcy Court or XXXX County Court ).
Consumer complaint received 2015-07-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc. (DC)

For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.
Consumer complaint received 2022-01-27
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. (NC)

I recently received a copy of my transunion credit report and there are several unauthorized inquiries on my report. Transunion had no consent from me to report these fraudulent inquiry accounts on my credit reports and I demand to know why the did so. I filed an identity theft report with the FTC and mailed it to Transunion along with a letter authorizing them to remove those inquiries and they have not removed them.
Consumer complaint received 2021-05-17
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 (UT)

I am trying to open an account with Venmo. As part of the application process, I was required to submit a mobile phone number. The on-line application process rejected my application claiming my number was a land line. 

When I contacted customer service, they told me that my phone service, XXXX XXXX uses VoIP technology. Venmo is not compatible with VoIP phone numbers. 

This makes no sense, customers interact with Venmo thru their app - not telephone calls. 

When I asked for further clarification, they responded " We do not have the information you are requesting nor are we at liberty to reveal details of Venmo 's internal operations. '' Why would Venmo not be able to let me use their services when I have VoIP phone service? I can only guess that they want to make money off of their customers by selling information about phone activity and location information. I don't know, this but I suspect I am being rejected because they can not exploit phone information from me.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (CA)

Credit Corp Solutions, a debt collector, contacted me about two credit card debts that were opened in my my name. They said the two accounts were business accounts. I explained that I don't do business in the US and have been working in the XXXX and XXXX since 2014. I explained this was a fraudulent account setup using my personal info. They said these accounts were under my name and thus, I was responsible. I explained again that these were fraudulent accounts setup using my PO Box and personal info. I explained I had done police reports and FTC reports along with credit freezes of my credit reports to protect my personal info against this type of fraud.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (CA)

ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.
Consumer complaint received 2022-01-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (GA)

I applied for a Mortgage re-finance & a new XXXX  from US bank My original Mortgage was with XXXX XXXX for {$380000.00} US bank also provided me with XXXX  for {$100000.00} K I closed on both loans on XX/XX/2021 The current mortgage is {$390000.00} and a XXXX  for {$100000.00} On XX/XX/XXXX US bank closed my XXXX  and refused to investigate and told me I refinced and closed the XXXX. I went back to them to rectify the issue but US bank put a lean on my house and notify the credit bureau that I have debt of XXXX I am not sure if opening and closing accounts without the knowledge of consumers are something allowed banks to do I can provide all the information but as it stands today I feel it is a financial fraud committed by USbak. 

How can I get the help and report this issue Thanks
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (LA)

Sometime after Hurricane Ida on XX/XX/XXXX, XXXX XXXX increased my internet bill without providing notice and without my agreement or consent. XXXX did not send a bill with the increased amount until after services were rendered. I contacted XXXX by phone to ask about the change and why I was not notified of an increase. I also asked them to provide the contract where I agreed to pay a higher amount, which they did not provide. I offered to pay the amount that was originally contracted for ( {$29.00} per month ), which XXXX refused. I cancelled my service with XXXX and switched to another provider in my area because I was concerned about additional price increases without notice. 

On XX/XX/XXXX, I received a letter from Radius Global Solutions LLC claiming {$110.00} owed to XXXX XXXX. I sent a letter in response on XX/XX/XXXX to the email address provided in their letter, XXXX. My letter stated that the debt was not owed because I did not agree to pay a higher amount for internet service and that Radius should cease collection efforts. I invited them to send documentation confirming the debt is legitimate. I have not received a response but was notified today that the amount is reflected on my credit report, indicating that Radius Global Solutions failed to cease collection efforts in accordance with the Fair Debt Collections Practices Act.
Consumer complaint received 2017-08-25
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. (CA)

InXX/XX/XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XX/XX/XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage.
The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments.
After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus.
I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Hello, I made several attempts to request a debt validation letter and supporting signed documentation via the midlandmanagement.com website and when I called to request a debt validation letter and supporting signed documentation I was refused. The company is refusing to provide me with a debt validation letter. They are instead forcing me to tell them that I will not get an attorney involved in order for them to do so. This is fraud as they can not prove the debt. 

They won't allow you to do anything to understand if the debt is valid and they ask you for a lot of identifying information up front including a social security number.
Consumer complaint received 2021-05-17
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: QC HOLDINGS INC (UT)

I am late on my payment from the XXXX and they reached out to one of my references and indicated I was late on my loan payment to them. When I called and asked XXXX, the collector not to contact my references her response was thats my job I know that the requirement for collecting can be contacting my references- if I dont respond and they can ask to get in touch with me- but she shouldnt be violating the law by telling them it is in regards to a delinquent loan payment.
Consumer complaint received 2022-01-27
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-27
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. (NC)

Experian consumer reporting agency has been reporting a unauthorized and fraudulent collection account on my credit report since 2017 without my consent or permission. The account currently has a cease and desist order against it with the company thats furnishing the information and I filed a identity theft report against them as well. This is very impartial to me because experian did not ask me if the fraudulent account was mine or one that I had opened. This account has been a thorn in my side and I have been denied credit because of it! I have mailed experian a copy of the cease and desist order and a copy of the XX/XX/XXXX report and im aware that they have to stop reporting the fraudulent information immediately.
Consumer complaint received 2022-01-27
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: JPMORGAN CHASE & CO. (AZ)

I applied for a Chase Freedom Unlimited credit card in XX/XX/XXXX. One of the perks of the card was 5 % cash back on grocery purchases for one year. I was approved for the card and when I received the card it did not include any information regarding the 5 % cash back on grocery purchases, so I called Customer Service. The Customer Service Representative assured that I would be receiving the 5 % cash back on grocery purchases, so I was satisfied at that point. 

When I received my first statement ( Opening/Closing Date XX/XX/XXXX - XX/XX/XXXX ) it listed 10 grocery purchases totaling {$170.00}. There was no 5 % Cash Back for Groceries listed. I called Customer Service XX/XX/XXXX. After describing everything I have said above, then a long wait on hold, the Customer Service Representative said that I did not qualify for the 5 % Cash Back on Groceries. I said that in the form that came with the card, Chase indicated my XXXXredit score was XXXX, why would I not be qualified? She did not know. Also, the promotion for the card said nothing about qualifying separately for the 5 % Cash Back on groceries. That was just one of the perks if you qualified for the card. 

I called again on XX/XX/XXXX. After describing everything, the first Customer Service Representative I spoke to transferred me to another Representative. After explaining everything again, he said the 5 % XXXX Back on groceries was not a perk on my card. 

I told that Representative that if you look at the current Chase offer for the Freedom Unlimited card ( https : //creditcards.chase.com/ ) it is the same as it was when I applied except the 5 % Cash Back is now on gas station purchases, CHASE FREEDOM UNLIMITED CREDIT CARD {$200.00} bonus plus 5 % gas station cash back offer Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening. And earn 5 % cash back on gas station purchases on up to {$6000.00} spent in the first year. 
Earn 1.5 % cash back on all other purchases No Annual Fee He did not change his position and he said that he was the last person I could talk to.
Consumer complaint received 2022-01-27
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. (AR)

I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Equifax dated XX/XX/2021. Equifax stated in the previous complaint that they would send me investigation results within 60 days. ( see attachments ) The FCRA states that consumer reporting agencies have 30-45 to complete an investigation, verify or the account must be deleted. It has now been 105 days since my complaint and I still have not received anything regarding the investigation from Equifax. I called Equifax and spoke with a rep who told me to file a fraudulent identity theft report with the FTC and local law enforcement in order to have the account deleted. Equifax has broke XXXX XXXX by continuing to report inaccurate information. Trying to resolve this has caused me stress, mental anguish and headaches. I want this account removed from all consumer reports and credit files immediately and permanently or I WILL SEEK AN FCRA ATTORNEY AND FILE A LAWSUIT
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (AL)

Exeter Finance LLC I asked them to come pick up the vehicle from the shop because the vehicle kept flooding they refused to pick the car up now the shop wants {$4500.00} for storage and the Exeter Finance still want XXXX on XXXX XXXX. I have reach out to them no solution yet, They now have turn my account over to a third party collection agency
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. ()

Hello, Over {$12000.00} in crypto was stolen and withdrawn into an external wallet via my crypto.com account. They refuse to do anything about it and say that someone had access to my account therefore they can not do anything. I DID NOT make these withdrawals and didnt approve them. 

Please can you help or investigate the matter? 

XXXX XXXX
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2024 my information was fraudulently used to apply for credit in my name. I have repeatedly notified Equifax about the identity theft by mailing/uploading a copy of an FTC Identity Theft Report and XXXX XXXXXXXX Police Report along with a copy of my I.D and social security card. After numerous phone calla and coresspondence via USPS and online, Equifax has failed to delete/remove the fraudulent inquiry from my personal credit report.