davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercury Technologies, Inc. (DE)

Hello, Our complaint is mainly for Mercury.com and the accounts provided by them are in XXXX XXXX  XXXX XXXX. We've our funds withheld, They initially mentioned that the funds would be withheld for 60 days. Our account was suspended on XX/XX/XXXX and till date we've not received the funds. 

Our Mercury account email is XXXX, the name of XXXX is XXXX XXXX  XXXX XXXX, Account number : XXXX, Routing : XXXX. The total sum of funds which have been unlawfully withheld for over 4 months now is {$11000.00}.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2021-07-10
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)

I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 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 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX Inaccurate Payment History
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

In XXXX, XXXX & XXXX 2020. I reached out to XXXX and Equifax with proof. The accounts were never updated nor deleted. 

XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (PA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm unaware of this debt from XXXX  ive made multiple attempts to try to resolve this issue it has Been removed form XXXX after they took a look a the facts, but the other 2 are not complying with the laws put in place to protect consumers, and I also did not receive proper notification from XXXX. If they believe they have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. '' or please delete
Consumer complaint received 2021-07-10
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. (SC)

I don't know why you motherfuckers keep asking for authorization, you know good and damn well that me XXXX XXXX the natural person filed this XXXX complaint and you using this XXXX as a stall tactic because yawl ain't doing your XXXX job at that XXXX XXXX bureau EXPERIAN. I sent my letters in 60days ago and you ain't respond so that mean remove the account off my credit report, I never gave you authorization to add anything on there nor did I give any creditor authorization to give yawl anything to add to my credit report and I want it removed NOW!!! or prove me wrong oh that's right you cant you wasn't there!!! I'm not going to keep going back and forth with you about the illegal and unlawful accounts on my credit report, I already sent all identification needed for authorization but i will upload it again for cfpb purposes, I want all accounts deleted from my credit report NOW!!!
Consumer complaint received 2020-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 i contacted XXXX finance car loan company and XXXX XXXX XXXX to ask about a account that was open in my name XXXX account number XXXX and XXXX XXXX XXXX account number XXXX i asked them why this was reporting under my name when i did not authorize these accounts to be open in my name. i never gave them authorization to do so with my personal information. there contacted number is XXXX XXXX and XXXX XXXX XXXX XXXX i also contacted XXXX, XXXX and Transunion regarding this matter with no resolution.
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CURO Intermediate Holdings (TX)

I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX XXXX- Inaccurate Payment History XXXX XXXX XXXX Inaccurate Payment XXXX XXXX XXXX Inaccurate Payment History
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: The Receivable Management Services LLC (NY)

Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Collection agency doesnt have release to collect on debt NOR is actual owner of these debts. deceptive and unfair practices
Consumer complaint received 2022-01-06
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. (IN)

I paid two accounts In full they reached out to equifax telling them to delete it I also have the email stating it was going to be deleted this was in XXXX of last year and its still reflecting on my report hindering my credit I also sent this to equifax disputing this on my credit report which is still on my report and they arent removing it which is a violation
Consumer complaint received 2017-09-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

COMPLAINANT COMPLAINS BANK OF AMERICA XXXX BOA XXXX XXXX XXXX XXXX EXPIRES XXXX REFUSES TO DISPUTE XXXX CHARGES FIRST CHARGE TO BE DISPUTED {$95.00}. 
HERE IS CHARGE XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX UNLIMITED PLA XXXX ON Type Purchases {$95.00} SECOND CHARGE TO BE DISPUTED {$2.00} XXXX/XXXX/XXXX Expand transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$2.00} SELLER : ONECLASS BASIS OF DISPUTE : SELLER COMMITS FRAUD FRAUD IS PROMISING SPECIFIC COURSE MATERIALS BUT FAILING TO SUPPLY SAID SPECIFIC COURSE MATERIALS. 

COMPLAINANT WANTS {$95.00} AND {$2.00}
Consumer complaint received 2017-09-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

On XXXX/XXXX/XXXX - Received mail from Rash Curtis and Associate about a collection On XXXX/XXXX/XXXX - I paid my debt in full to the original creditor ( XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ) ( have receipts from my bank as well as the original creditor ) On XXXX/XXXX/XXXX - Received a call from Rash Curtis and Associates, where I had informed their representative that I have already paid the debt in full to the creditor and have receipts and confirmation. 

On XXXX/XXXX/XXXX - Received more mail from Rash Curtis and Associates trying to collect this debt that has already been paid, as well as the cookie cutter threat to report it to the credit agencies ...
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (KS)

On XX/XX/2021 I submitted a dispute with supporting documentation ( see attached ) Equifax to update the payment status of XXXX Loan # XXXX from 120 past due to current and paid in full. On XX/XX/2021 Equifax published dispute results verifying that the account was 120 past due ( see attached ). I have submitted this information several times proving Equifax is knowingly reporting false information and asking that it be corrected and the company has continued to refuse to forward my disputes or correct the status of this account. This constitutes a violation of the rights afforded to me under the FCRA.
Consumer complaint received 2018-06-07
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. (OH)

sent several letters certified to credit bureaus and creditors regarding inquiries on credit report, asking for verification and proof that they were requested by myself. None has been given but credit reporting agencies keep stating that they are verified. 

Including the most recent letters below, I have copies of letters and certified cards where they signed for the letters, also sent to creditors.
Consumer complaint received 2022-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

My credit was pulled by capital one bank on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Receivables of NC Inc. (MD)

I recently pulled my reports and noticed you are reporting the incorrect balance owed and date paid for this account XXXX XXXXXXXX XXXX XXXX. In fact, per their correspondence, my debt is not owed by Access Receivable Management and was satisfied internally. The information is being reported by your company and the bureaus are different, this means the account has not been properly verified. Most recently, this company reported that my last payment activity was in XX/XX/2021 which is incorrect. They are now continually re-aging my account which is against the FCRA.
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX  collection? incomplete and inaccurate.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is blocking me from enabling external applications. I am attempting to connect my bank account to XXXX in order to transfer funds for investment in currencies ; However, Capital One is blocking my access to do so. Consequently, I have just lost out on an investment that would have net me {$74000.00} - I am not very happy at the moment! 

Thanks
Consumer complaint received 2021-09-10
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)

Went to XXXX XXXX on vacation for one week, while I was there on XXXX, I went to a fruit market on the side of the road called XXXX XXXX XXXX XXXX XXXX and bought a couple of pieces of fruit. I used my Citibank XXXX XXXX card to purchase what was about {$3.00} of fruit. When I went home I realized on XX/XX/XXXX that my card was charged {$2200.00}. I contacted Citibank and filed a dispute with them, stating that I did not have proof of how much I should have been charged because I did not keep my receipt. I attempted to contact the merchant directly via XXXX and XXXX on XXXX and XX/XX/XXXX respectively but no one ever responded to my messages. Citibank sent a letter on XX/XX/XXXX asking for proof of the transaction. I called Citibank on XX/XX/XXXX to explain that I do not have proof of the transaction and spoke to a supervisor who stated to respond to letter about not having a receipt. I mailed my response on XX/XX/XXXX because I wanted to wait for the merchant to respond. I explained in my letter the situation on how I did not have the receipt and could not get it despite my attempts to reach out to the merchant. It was mailed to be next day delivery. On XX/XX/XXXX I received a letter from Citibank that because I could not provide any proof of the transaction, my dispute is closed and I have to pay the total amount. On XXXX I called Citibank who stated that it was a MasterCard issue regarding the lack of evidence of the transaction and that there was nothing else Citibank could do. On XX/XX/XXXX Citibank was called again for clarification about the issue and that no appeal could be made on the dispute unless proof of transaction was provided.
Consumer complaint received 2017-09-30
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: Bread Financial Holdings, Inc. (TX)

POLICE REPORT WAS SENT TO ALL XXXX BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX
Consumer complaint received 2021-07-10
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: EQUIFAX, INC. (CA)

I am XXXX XXXX. This is not a third party, I am who I say I am. On XX/XX/2021 I recently filed a report with XXXX, XXXX, and Equifax of inaccurate items being reported on my credit reports. 

Once an FTC Report and documents to verify my identity were sent. Equifax, XXXX, and XXXX  did not. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.