davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
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. (AZ)

This complaint is regarding the credit unions namely Transunion, XXXX  and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

Transunion and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Consumer complaint received 2019-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (TX)

A loan company called GreenSky has been harassing me and my husband for payment on a loan we never applied for. My sister was the loan applicant. We agreed over the phone to be co-signers, but never signed anything and did not receive any documents describing payment terms. GreenSky says they do not have any paper copies of anything, only computer records. They told us they could not change their records to correct the wrong information. They also told us that the loan was denied to my sister, but they have been cashing her loan payment checks in addition to harassing us for payment. One person at GreenSky told us that the only way we could stop the harassment was to " pay off the loan and apply for another one under the correct name. '' Lately we have been getting two dunning calls every day from a number with no caller ID. My sister is also getting calls every day from this number. We blocked the number but she has answered it and says they are very rude to her, despite the fact that she is current on all of her loan payments. We have been trying to resolve this for two years. Two complaints to the XXXX   have yielded no result, as they simply refer the complaint back to GreenSky, and  GreenSky ignores it.
Consumer complaint received 2023-04-04
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. (FL)

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 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-19
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: EQUIFAX, INC. (AZ)

This complaint is regarding the credit unions namely XXXX, Equifax and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

Equifax deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XX/XX/XXXX and XX/XX/XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.
Consumer complaint received 2023-04-04
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. (MI)

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX DEPT OF EDXXXX XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.
Consumer complaint received 2022-06-15
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)

THIS HAS GONE ON WAY TO LONG TRANSUNION NEEDS TO REMOVE THESE 3 UNVERIFIED INQUIRIES ASAP, I filled FTC report, MY REPORT # XXXX
Consumer complaint received 2023-07-28
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. (NJ)

Despite multiple written requests, the unverified account listed below continues to report late payments on my credit report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative. 

XXXX XXXX XXXX
Consumer complaint received 2019-09-20
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. (NJ)

I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.
Consumer complaint received 2019-09-18
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. (CT)

I have been writing for MONTHS! and demonstrating proof of inaccurate reporting. I have sent in copies of my credit monitoring and showing them that every bureau is reporting things differently. I have been told to reach out to the creditors to get validation, however that has never been proven. I keep getting ignored even when I submit PROOF that they are violating my rights as they are reporing. I am so confused how this can keep happening. I prove to them that it cant be accurate when each of the big 3 bureaus are reporting it differently. I have been told many times and my research confirmed this, they are REQUIRED to do a full investigation on my complaint and provide evidence they did that. I have gotten no proof that they did anything. I have friends who also have disputed the errors and they even received proof that the bureaus did something as the creditor sent the friend a request for more information on the dispute because the bureaus did something. I have gotten ZERO responses from the listed creditors. I think the bureau has violated my rights by not taking proper care of my disputes and filed the appropriate reactions to protect my reputation. I have also seen that when they refuse to do this, I am entitlled to a {$1000.00} fine. I have even requested that and they have yet to respond. I have recently moved and provided that current address to the bureaus. There should be NO reason why they continue to not take correct actions on my reports. Aren't they legally obligated to investigate my reports? I have so many letters that have been sent in. I have also included proof from my credit monitoring service that they are inaccurate in what they are reporting. I just cant believe this is happening to me. I am newly married and we are trying to buy a home and the bureaus are not following the law. I am beside myself with worry since I have done everything I needed to, as per my research, to preserve my credit reputation and they are failing me. How can this happen? I need intervention.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-20
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: BARCLAYS BANK DELAWARE (NJ)

I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit card.
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

On XX/XX/2019. I disputed 2 charges on my XXXX credit card. 
( 1 ) {$1300.00} & ( 1 ) XXXX. 

A conditional credit was issued to my card on XX/XX/2019 ( see statement # 1 attached ) on XX/XX/2019 the conditional credit was reversed by CITI bank after merchant responded. ( see statement # 2 attached ) I contacted Citi bank again, very frustrated was not happy with the way Citi bank handles my case. 

I submitted document to Citi my resort reservation was cancelled. Since it was booked thru third party. XXXX  ( third party ) does not want to refund the money. 
Where the contract clearly reads administrative fee are non refundable. I agreed to pay the administrative fee only. ( see attached ) XXXX XX/XX/XXXX, Citi bank debit/ charge my card again for ( 1 ) of the conditional credit that was already reversed.

I have made several phone calls. I still waiting for Citi bank to credit my card back for {$1300.00} for duplicate charge for conditional credit ( see statement # 3 ). I need help resolving this.

I am also attaching 2 screens shots showing ( 1 ) of the charges was settled in the merchant favor ( 1 ) of the charges was settled in my favor 3rd duplicate charge I need the credit back to my card
Consumer complaint received 2023-04-04
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the Items as soon as possible.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a deposit from my business bank account ( local Institution ) to my personal bank account at Bank of America. The deposit was over {$5000.00}. I have had a banking relationship with Bank of America for over 20 years. I have made deposits from this account to Bank of America for over nine years without having bounced a check. There have been dozens of deposits over {$5000.00}. I made the deposit on XX/XX/XXXX at an ATM via check and the none of funds are available until XX/XX/XXXX. This is 10 calendar days and 8 business days which seems unacceptable given the nature of the relationship, the history, etc. Also, the bank should pay interest during the hold period if the funds are found to be valid.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid a prior debt with XXXX XXXX to a collection agency. My paid a settlement to clear the account after a horrible car accident which left me horribly XXXX. The account was settled in XXXX. Debt appeared on my credit report in XXXX. Called XXXX  XXXX/XXXX XXXX and collector refused to give him name, told me a lawyer was trying to sue me and refused to give me information to send my paid letter. XXXX complaint filed in XX/XX/XXXX. Company claimed they would look into the issue and call me. They never contacted me whatsoever. I have mailed 4 copies of my paid letter to XXXX XXXX billing dispute address in Ohio. I have disputed multiple times with reporting agencies. The debt I paid HAS NOT ONCE BEEN UPDATED TO SHOW PAID SETTLEMENT AND HAS NOT BEEN REMOVED. I feel I am being SCAMMED.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (WI)

Good morning! 
I am a client of Freedom Debt Relief. I am reaching out to you because yesterday I happened to find out you filed suit against them XX/XX/XXXX. My contract with them started 5 months later. I am reaching out to you because I am experiencing the same issues that are described in your litigation documentation. I signed a contract with Freedom Debt Relief XX/XX/XXXX. Please see the attached documentation. My contract included 3 creditors, total debt {$15000.00}, with a monthly program payment of {$260.00} per month for 4 years. My contract states this will not affect my credit profile. A year and a half later, my credit score has dropped 200 points. From XXXX to XXXX. I was never late with my payments for my credit cards ( or any other bills for that matter ). I was just told that I could pay off these 3 credit cards a lot faster if I enrolled with Freedom Debt Relief. All of my payments have been on time, being automatically taken from my bank account every month. They didn't start negotiating anything until several months later when the first creditor stated they were suing me. I was told that all 3 creditors would be negotiated with at the same time and that's how my payment and the length of my contract would be determined. A year and a half later, Freedom Debt Relief had not even negotiated with the second creditor. They did nothing until I recently received documentation from my credit card company that they were suing me. So now FDR is telling me my payment will be an additional {$290.00} per month. Totalling {$560.00}! The third and last creditor has not even been contacted by FDR. When I complain to the attorney from FDR 's partner XXXX XXXX XXXX XXXX, XXXX XXXX, he says he has had multiple complaints about how FDR is treating their clients and I would need to contact them. When I contact FDR, they say to contact XXXX! I am in a desperate situation. They want me to contact them by today if I agree to pay the extra {$290.00}
Consumer complaint received 2019-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have fallen behind on my one credit card bill due to my boyfriend passing away, time off work, getting a new job, and the excessive late fees for every payment. The bill collectors from Capital One call me MULTIPLE times a day, and usually within 10 minutes or less. They start at XXXX XXXX, and have been interrupting my life. Once at an appointment on XX/XX/XXXX, they called at least 5 times within an hour, interrupting my doctor. I've worked in a call center before and know numbers loop around, but every 10 minutes, give or take, is extreme harassment. Not to mention, they never leave a voice mail or say who they are.
Consumer complaint received 2019-09-20
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. (PA)

My credit report currently shows 2 charged off accounts from XXXX XXXX XXXX. They were both included in my Chapter XXXX Bankruptcy filing on XX/XX/XXXX and subsequently discharged on XX/XX/XXXX. I have numerous times disputed the fact that they are not reporting correctly. Per my bankruptcy attorney they should be reporting Closed, {$0.00} balance, discharged in chapter XXXX bankruptcy. Instead they are reporting as as a collect/chargoff and transferred to another lender. I've provided proof of my filing and discharge. I've reached out to both the company and the credit bureau. The credit bureau continues to find that this status is valid regardless of proof otherwise. I'm VERY confused as to what they are doing to validate this, since I have proof it was discharged.