davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (LA)

I am XXXX XXXX XXXX XXXX  I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to  be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$300.00} XXXX XXXX  Inquired on XX/XX/2020 XXXX  Inquired on XX/XX/2020 2020
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

on XX/XX/2021 I purchased a group-on through my Chime ( XXXX card ). On XX/XX/2021 I was quarantined by Hawaii even though I had an negative COVID test ( attached ). On XX/XX/2021 I reached out to XXXX to ask for an refund they stated they could not but I should contact my bank. I did, and they denied my claim on XX/XX/2021. On XX/XX/2021 I resubmitted my claim and even sent my flight back home information. Again on XX/XX/2021 my claim was denied. I asked for another rebuttal on XX/XX/2021 and called to check on XX/XX/2021. I was told because I did not specifically ask for an " rebuttal '' it was denied. I resubmitted all documents again and in just a day received the attached denial on XX/XX/2021. Stating that my claim was denied because of groupon policy. The merchant has failed to respond to Chime. Yet they are still siding with them. I have sent everything I can to prove that I did not receive my goods/services and should not be responsible. Also inst it courtesy if the merchant does NOT reply within 30 days to settle in the favor of thei consumer. Now when I contact Chime the agents keeps hanging up on me. PLEASE HELP me.
Consumer complaint received 2023-04-07
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: Experian Information Solutions Inc. (FL)

In accordance with the fair credit reporting act and XX/XX/XXXXXX/XX/XXXXaccount # XX/XX/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 an account without my written instructions XX/XX/XXXX interactive XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (VA)

Hello, I have been working from home since XX/XX/2020 due to the pandemic. Because of this I had to order more furniture pieces in my house such as a home office, chair, etc. Normally, before the pandemic I was working in my office so this was never an issue. So, when the pandemic happened I decided to order these pieces from Wayfair, LLC. on XX/XX/2020 ONLY because they had advertised at a 0 % interest rate. After 2 months I received a Masters Credit Card from Comenity Bank stating I should activate the card. At the time I thought it was junk mail because I have not carried a credit card in 20 years. I never activated the card, however I am starting to get harassing phone calls from them about making a payment. At that point, I had no clue who they were until when I called and they told me that they are through Wayfair, LLC. I am currently a grad student and I was hit hard at the end of XX/XX/2020 with federal taxes for being a student on top of living paycheck to paycheck. I was consistently making payments to Wayfair/Comenity Bank, balance {$1800.00} but because of taxes being taking out of my paycheck each month it is making it harder to make the payments. I asked Comentity Bank numerous times if they had a financial hardship program. What I am disgusted by with this company and bank is that they are taking advantage of their consumers during a pandemic. They advertised at the start of the pandemic it was 0 % interest rate and now they are telling me that I have a 26.99 % interest rate on this card. I was wondering why my payments and billing was getting higher and higher. I never activated my card but they somehow keep charging me {$40.00} a month for late fees. I have asked them to close my account numerous of times and they have not done so. I have enough stress financially going on. Since the pandemic I had to spend more on my household and food because I am stuck working from home. Please investigate this business because what they are doing is WRONG!!!
Consumer complaint received 2020-06-02
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX-XXXX  {$350.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Consumer complaint received 2022-01-08
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. (IN)

Dear XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last XXXX : XXXX Date XX/XX/XXXX You stated that I owe an alleged debt to XXXX XXXX account XXXX XXXX I would like XXXX XXXX to validate this debt under the USC, UCC, FCRA, FDCPA. I am requesting validation of debt request of U.S Code 1692. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 of ( 2 ) a copy of an identity theft report. Please provide the following documentation for the alleged debt to XXXX XXXX starting in XXXX. Under my God- giving rights please send me a sworn affidavit statement stating XXXX XXXX still has the original signed contract with my two wet signatures under penalties of perjury in reference to my rights under the UCC Code 3-308. Please also send me a copy of the commerce banking note to this alleged debt. Please also send a certified contract not a photocopy of this alleged debt. Please also send a true bill. A true bill the written decision of a grand jury ( signed by the grand jury foreperson ) that it has heard sufficient evidence from the prosecution to believe that an accused person probably committed a crime and should be indicted. Thus, the indictment is sent to the court. Please also send a lawful contract signed by both parties which makes it binding between both parties have given substance according to the contract law of 1872. Please send all validations of debt and paperwork linked to the alleged account from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn are true and correct to the best of your ability with your signed signature. Please also send me a copy of this sworn affidavit via receipt of this letter. Please respond in 10 days of this a latter will become a binding agreement according to contract law. Furthermore, I will have to opportunity to cue in place a judgment on this company. If you fail to respond I am going to presume the debt isnt true in the first place. I am respectfully requesting this account be deleted and removed from my credit profile sense it is ruining my credit worthiness and my ultimate pursuit of happiness under the United Stated Constitution. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds and a dishonor in commerce according to the UCC Code. 
I am exercising my God for saking right this account must be deleted from my credit profile on all 3 bureaus immediately or I will pursue legal action.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C. (MS)

I had no knowledge of this debt until it showed on my credit report. I have sent a debt verification letter and have yet to receive a response from the debt collector. Letters were sent via certified mail and was received by collector on XX/XX/21. After calling the office they informed me that they received the verification letter. I advise them that it had been over 45 days and I have not gotten a response. I informed them I would send another letter and the gentleman I was speaking with informed me that it wouldn't change anything.
Consumer complaint received 2021-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

They are calling all the time and they are representing themselves by saying the officers are coming to get me. They have gone as far as to reach out to my wife 's ex-husband. They have contact folks we have no idea how they got the information and no they are threatening, my family and step- children. This needs to stop. I have spoke to them and let them know that due to COVID, I am currently unemployed and don't have the money. Even advise to just add to my credit. But, they continue even as late as XXXX and as early as XXXX they are calling. What can I do?
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Blackhawk Network Holdings Inc. (WA)

I was issued a prepaid mastercard card, but it did not work at many vendors, and when I tried to successfully use it, the card expired and there was no way to receive the remaining balance. This is like receiving a coupon that expires, not cash. My understanding is that it was illegal to make fund inaccessible from a prepaid credit card. Blackhawk Network will not return the money. I would consider this a scam.
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54.00}, XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The Collection Company They committed more than XXXX violation, XXXX XXXX Code Sec XXXX Validation of debts, They didn't provide me with the XXXX things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I XXXX XXXX XXXX Sec XXXX ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( XXXX XXXX Sec XXXX ( a ) XXXX ) to furnish anything in my credit report agency, specially a alleged debt that is not mine. 

I have disputed the alleged collection with Experian and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

This is the second complaint I've had to file just with the CFPB. 
I have faxed and mailed Equifax numerous times over the past year and I still do not have access to manage my credit freeze or view my annual credit report. In fact I haven't gotten a credit report from Equifax in several years since this has begun. Everytime I call them to fix this I'm told the same thing. Resubmit the requested paperwork and it will be fixed. They " assure '' me of this everytime. 
The last request I mailed them my W2 with my name, employer, home address and SS # and I still do not have access.
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

I worked with a representative at Freedom Mortgage on XX/XX/21 to refinance my existing mortgage through XXXX XXXX, a subsidiary of Freedom Mortgage. I was offered favorable terms and advised I would not have any closing costs so I took the deal. 

I submitted proof of income documents for both of my current employers at the time and communicated with the loan originator on 5 different occasions between XX/XX/21 and XX/XX/21. 

The processing department made contact with my employers to confirm income and apparently the information they received was unsatisfactory for their purposes, so they closed my file and stopped my application. 

I did not receive any written, or verbal notification of this. I emailed the loan originator multiple times asking for an update over the last two months and even called the processing department and was told they would get back to me. I just learned that the file was closed today. 

Apart from being a waste of time, I feel that the credit inquiry should be removed due to lack of due diligence and good faith on the part of the lender.
Consumer complaint received 2020-10-30
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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (IN)

REVCO solutions has shown on my credit score though I have had no business dealings with them or XXXX XXXX XXXX. I contacted them and by phone initially when I got a letter in 2021 they could not explain what debt is for and amount. I was injured at work by another employee which ran over my foot with a forklift and was taken to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Indiana. Workers compensation cover all my medical costs which have all been payed for. This debt is my employers. I had REVCOS letter sent to my workers comp through my employer HR and submitted this collection from XXXX XXXX XXXX to workers comp # XXXX Negative action was took and damaged my credit. Disputed debt with REVCO today they stated they will delete damage from my credit history. 

I want this off my credit report ASAP as they could not tell me what day when it will be deleted from my credit history. I am requesting the help of the Consumer Financial Protection Bureau for a correction to my credit report
Consumer complaint received 2021-04-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (NC)

I received a NOTICE OF DEBT from CREDIT COLLECTION SERVICES dated XX/XX/2021 for {$1000.00}. I am a federally protected consumer. I never gave consent for CREDIT COLLECTION SERVICES to communicate or contract with me. Under 15 U.S. Code 1692, there are several violations that CREDIT COLLECTION SERVICES committed. The debt collector was sent a notarized Affidavit of Truth, exhibit ( s ) of violations and an invoice certified mail for their abusive practices dated XX/XX/2021 from the federally protected consumer. I am seeking my requested remedy according to damage sustained and regulated under 15 U.S. Code 1692.
Consumer complaint received 2018-07-27
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: NAVY FEDERAL CREDIT UNION (CA)

Some body run my credit with out my knowledge here is the date and company XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (GA)

I had an medical emergency on XX/XX/year>, I used an ambulance company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I received a bill for this service in the amount of XXXX} in XX/XX/year>, since I realized Insurance had not been billed I reached out to XXXX at their number on bill and provided them my insurance information. That is the last I heard on the issue until I started receiving collections calls from Wakefield and associates. 
I have a form of XXXX so usually by mid year I have usually met my max out of pocket with my insurance provider. Therefore, I would not have incurred any financial responsibility for this bill. I kept being told that they are going to bill my insurance ( I have emails to provide ), but they never did. 
I have sent a letter from my work attorney service to remove from my credit report.. they will not. 
My employer insurance will not cover it since its now over a year, but I do not think its fair when no one even reached out to me before turning this over to collections, and I had provided them my information to bill them for the service. 
I have documentation from my employer that they did not submit any claim for this transport. 
I have perfect credit, with no negatives in 20 plus years.. this has adversely affected my credit report, they could have been paid had they submitted bill to insurance. 
Respectfully, XXXX XXXX
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (OK)

I received a letter from American Coradius, LLC regarding an attempt to collect a debt from XXXX. I called the agency but they could not give me any information. I called XXXX and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MD)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : { {$9400.00} } .00 }. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.