davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (OH)

Ref number : XXXX This is a continuation of a previously reported problem. I heard from Western Union a couple of days after I lodged the previous complaint, and they have given the same answer as the previous ones. In brief they are asking me to get confidential company bank statements but the company claimed that this request is unethical. Nevertheless I have provided written proofs of denial of receipt from both the receiver company director and the bank. On the other hand, WU has not yet shown me proof that they have had a dialogue with the bank and the bank provided a written document either denying receipt, or confirming it ( as WU claimed ). Here is what I wrote to WU minutes ago : Re : case number is XXXX Dear XXXXXXXX XXXX., Western Union Executive Resolution Your resolution team is asking me to go through the same circle again and again. You have asked me to get the bank statements from the receiver of the transfer. I have written several times that I have asked that but have been told that this is an unethical request, and the private company information can not be shared that way. I respect that. The director of the company is a personal friend and I fully trust him. That leaves the bank itself, with whom I have not dealt with ; WU has. Nevertheless I did ask the local bank and then again complained to the CEO of the bank. Both times I was categorically told that this money did not reach the bank. Additionally, they told me that this transfer can not take place for lack of some arrangement with WU. 

So, I have shared with you written proofs from the receiver and the bank that they denied receiving the money. I have done my part. BUT, beyond sending me your own document that the money was delivered ( again and again ), you have not shown any attempt of reaching out to the bank and get from them an acknowledgement that they either accept or deny your claim of confirmed delivery. You are in a position of doing so, but so far months have gone by, you are giving me the same answer again and again. I wonder if you are reading my depositions at all!! 

Sincerely XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (LA)

opened XXXX original creditor XXXX XXXX XXXX XXXX and Telerecovery owns the debt now I will use laws to remove this debt from my credit report : Section 604 15 U.S. Code 1681 B Section 605 A 15 U.S Code 1681 C-1 Section 605 B 15 U.S Code 1681 C-2
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (MO)

US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.
Consumer complaint received 2022-10-10
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. (FL)

There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

XXXX and transUnion are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history
Consumer complaint received 2022-02-10
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX {$250.00} XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX {$6500.00} XXXX  XXXX {$540.00} XXXX XXXXXXXX {$540.00} FST XXXX {$870.00} XXXX {$0.00}
Consumer complaint received 2022-10-11
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. (OH)

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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX ( CSE ) XXXX XXXX XXXX # 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 2022-10-11
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. (CA)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history of this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$6700.00}
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (CT)

Paid annual fee of {$75.00} at US Bank XXXX XXXX credit card sign up for the promised and published benefit " Bonus Award Night - Redeem Gold Points for two or more consecutive Award Nights and the last night is free. Exclusively for cardmembers ''. However, the benefit was terminated from at XXXX XXXX, 2015.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I demand immediate action to remove the fraudulent items listed in my letter, as required by FCRA Section 605b. Your prompt compliance with this request, including notifying all furnishers, is crucial to rectify the identity theft damage. Failure to do so will result in legal action. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Status : Dismissed, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Date Filed : XX/XX/XXXX Status : Dismissed. Plese remove these items ASAP.
Consumer complaint received 2021-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I am a XXXX on XXXX XXXX orders since XX/XX/2019, and I fall under XXXX and I called USAA about reducing my interest rate to 6 % and was that effective XX/XX/2019 that they do not do that anymore and that was just a program offered by USAA. I told them that was a law and they said they do not follow it.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (VA)

I received free night E-certificate for a both business and personal XXXX XXXX co-branded credit cards ( and my wife received one as well ). In the terms and conditions, it clearly states that : Each E-Cert is valid for one night in XXXX standard room, double occupancy, at any XXXX, XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) by XXXX, or XXXX XXXX XXXX. 

It does note that : *Excluding XXXX. 

When I tried to book nights for my wedding anniversary with my e-certificates at the XXXX, by XXXX it would not allow me. I called and XXXX XXXX told me that that hotel was not honoring the certificates, even though it was clearly stated in the Terms & Conditions that XXXX XXXX hotels were included.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

I was served a papers to appear in court in reference to an attempt to collect on an alleged debt by MIDLAND CREDIT MANAGEMENT INC. due to them purchasing debts from other unknown entities which I have never done business with or heard of. I have never done business with such named company. They have attempted to collect a debt by sending me court document which is a violation of my rights. They have not done their due diligence in order to verify the debt, sent me purchase bills of sales in which none state my name and some how used an old statement that I believe they got unlawfully. Proceeded to send court docs as an initial form of communication with the intent to cause harm during the holidays. I sent the a cease and desist and a debt validation letter certified. which they have not answered. 
they have sent me wrong information nor do I know how this company got my information in the first place when I have never done business with such named company.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-10
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: Experian Information Solutions Inc. (MS)

XXXX is reporting the account type as an auto loan this is factually incorrect because The account you are reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " Credit sale Agreement '' I have the right to an accurate credit file and discrepancies like this are unacceptable. It has been now 5 months and have failed to respond. I am attaching a Copy of all letters sent below. 


XXXXXXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA and This account was paid and the creditor agreed to remove it from my credit report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (CA)

I have written multiple letters requesting validation of debts, removal of closed accounts and to stop reporting on accounts that are still in disputes. the response is always the debt has been verified without proof per the FCRA, closed accounts are still on my credit report and accounts that are still in dispute are still being reported on.
Consumer complaint received 2023-07-06
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 (ID)

On saturday XX/XX/, venmo suspended my account with {$1100.00} of my money in it. No explanation of their reason was given, now without access to my funds i can not use this money to pay my bills. The company has not allowed me to speak to anyone who can tell me why they suspended it and took my money nor can they tell me when I'll have access to it again
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (CA)

Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.
Consumer complaint received 2019-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization ( XX/XX/2019 ), Equifax & XXXX have failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX inaccurate XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2022-02-10
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. (AZ)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Consumer complaint received 2023-02-22
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. (TN)

I put a Despute in for credit exception company 2  years ago with Experian and they still have it on my credit report now .That car loan belongs to XXXX XXXX he is deceased and the car is in bankruptcy.I have call the on yesterday to Despute again. Please help me help Experian
Consumer complaint received 2022-02-10
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. (AZ)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.