davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I asked the three major credit bureaus to verify info and delete. All three credit bureaus, XXXX, TransUnion, XXXX  have yet to verify accounts and still haven't deleted the items from my reports. They have broken the law and I would like the incorrect info removed.
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I banked with USAA bank back in XXXX. They closed my account one day out of nowhere without any explanation. I lost my card once or twice while being with them and one of the times I believe it was stolen and used by someone else. Shortly after i received my new card i went into a store to try to make a purchase and was told my card has been disabled indefinitely. I was unsure why this was happening so i called and they only told me " security reasons ''. I again called a few weeks later and the same was said, only this time i asked how long it would take and they basically said it wouldn't come off anytime soon. And that in the meantime " try to stay clean, make payments on time '' and things of that nature. I am completely confused at this point. Now XX/XX/XXXX i am in need of some affordable car insurance and i want to take advantage of my mother 's veteran status. She recommended i try USAA again and still after two years the same nonsense. They go as far as to tell me they want no dealings with me because " they took a loss ''. I am completely uncertain as to what loss they are talking about because anything the person did who recovered my lost card has nothing to do with me. I ask for a third time what is the reason behind this. All the guy did was reiterate that statement and said i will be responded to with a formal reason in 24 hours. That was weeks ago. In conclusion i have not gotten a proper reason as to why my account was closed, especially with no notice as swiftly as it was done.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/21 I received a judgement letter in the mail from Synchrony Bank for XXXX. Upon inspection, I realized this was a fraudulent account that someone opened in my name without me being aware. I immediately began the process of reporting identity theft and fraud with the three major credit bureaus, synchrony bank, and my insurance company. I also made a police report.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (CA)

I purchased two {$200.00} XXXX gift cards from a XXXX in Washington DC on XXXX XXXX, XXXX. When I went to register them online on XXXX XXXX, XXXX, one card had someone elses name associated with it and two unauthorized transactions from a XXXX XXXX XXXX in New Jersey, and the other one was frozen. I spoke with XXXX in your customer service department who indicated that the frozen card had somehow been used in XXXX XXXX despite not being activated until XXXX XXXX, XXXX.
Consumer complaint received 2017-09-22
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. (IN)

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use XXXX worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it XXXX point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XXXX ) I called all my credit card companies and asked what they reported and they told me. I than called experion and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet experion placed a XXXX debt of my report. So I again followed the same process the next month XXXX XXXX XXXX and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XXXX the day XXXX XXXX reported to experion I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute experion and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs experion from the agent and I was placed on hold and told " fts '' or the federal government. I believe experion is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (LA)

I want on XXXX and meet gen XXXX XXXX XXXX and what a big problem I sent him {$3.00} it was not all time. I think he was a XXXX men. I have all the informant in my computer. I just don't want people to do what I did.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (SC)

I am not associated with these creditors and I did not initiate the inquiries with 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Kindly proceed to remove it from my credit report without delay.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC (AZ)

Source rm federal violated my consumer rights and they must pay me XXXX for 6 diffrent violations on my consumer rights They have received my affidavit of truth, cease and desist, and a invoice on this matter also questions that must be filled out completely and sent back to me with in 30 days. All certified mail.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Revolving Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all XXXX  bureaus. 


Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Screening Reports Inc. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2023-02-21
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. (LA)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (SC)

I received a copy of my credit report and found some mistakes that are incorrectly reporting on my credit report. I received my credit report, and it stated that I opened an account with National Credit Adjustment on XX/XX/XXXX. I never opened and account on that date. I never signed a contractual agreement with National Credit Adjustment for {$490.00}. It's showing up as delinquent on my credit report for creditor : XXXX XXXX. 

I called XXXX XXXX parent company XXXX XXXX on XX/XX/XXXX who shared with me that my account was recalled back to them on XXXX. In which National Credit Adjustment and XXXX XXXX never notified me of anything.
Consumer complaint received 2020-12-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-04-28
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: Sequium Asset Solutions, LLC (WI)

I received a letter from Sequium Asset Solutions , LLC offering a settlement amount. When I called about the amount a representative from the company XXXX XXXX XXXX XXXX said if we paid the offer amount this would be deleted from my credit reports. That conversation was around XX/XX/XXXX. The rep XXXX XXXX XXXX XXXX said to call her back after I made the payment. I paid the collection agency {$660.00} on XX/XX/XXXX, and called XXXX and spoke with XXXX XXXX to let her know I made the payment of the agreed upon amount of {$660.00}. I again discussed getting this deleted, and she XXXX XXXX XXXX XXXX stated that I should call her back in 30 days and they would do a deletion. On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX who stated that her supervisor would send me a paid letter to my email by the end of that day. In that same conversation she stated that they could not delete this from my credit report and I had to call the initial creditor which is XXXX XXXX, XXXX about the deletion. I reminded XXXX XXXX of our conversation on her recorded line about deleting this, she continued to say I had to go through XXXX for that. On XX/XX/XXXX I spoke with XXXX XXXX about the letter not being received, and she said that her manager said it wasn't processed yet. Again she stated that I needed to talk with XXXX about the deletion. I called XXXX on XX/XX/XXXX about the deletion and they suggested I call XXXX back about the deletion because they couldn't ' do it on their end. There is no need for me to call XXXX back because I've already spoken to them several times. I'm getting the run around. I just want XXXX to be deleted off all XXXX of my bureaus because that's what they said they would do. I feel as though we were mislead about the deletion.
Consumer complaint received 2022-08-13
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. (MN)

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXBalance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$9900.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was asked to be a sugar baby to someone Ive never met in XXXX of XXXX. I allowed this person to access and deposit a check in the amount of {$3800.00} on XXXX XXXX. I then received notification from Capital One that they were going to close my account and said that I would never be able to open an account with CAPITAL ONE again. Because of this, I thought they were voiding the check. Since I needed the money, another check from the same person was deposited into a XXXX XXXX  account. My account was closed with XXXX as well, HOWEVER, on XXXX XXXX, XXXX XXXX sent me the closing amount of {$6300.00} from the check received which tells me that the check is valid. Now today, XX/XX/2020, I go to CAPITAL ONE bank and ask for the remaining funds. The excuse I am given is that the check is still under investigation since XXXX because they do not have enough information to release the check. It has been 3 months now and they are just holding the money. Please help me receive these funds.
Consumer complaint received 2017-09-23
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (SC)

Prime Lending, as well as other lenders in XXXX SC, openly violate RESPA and " provide things of value '' for referrals. The attached showed up in my XXXX feed. Pitiful.
Consumer complaint received 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (AL)

I took out a small payday loan back in XXXX. XXXX dollars. When it was time to pay it back, i tried to but the system wouldnt accept my banking information to pay it back and til this very day, it still will not accept my banking information as a form of paying it back. However, on 2 seperate dates, they where able to remove funds from the same account i tried to pay them from, that they system wouldnt accept. How can they do that? Someone was able to override this at some point. This has to be illegal. The proof i have, i tried changing the debt card on file. That one didnt work either. The catch... that card isnt link to the banking information on file. 2 completely different banks. Yet, the were able to steal money from the one that didnt work.
Consumer complaint received 2017-09-23
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. (PA)

Transunion is saying I have had 3 addresses. I have ONLY ever had XXXX XXXX XXXX, XXXX PA XXXX I am going to contact the post office right now too! 
Address Date Reported XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (FL)

I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Consumer complaint received 2023-01-18
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXXXXXX 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
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I never signed a contract allowing XXXX XXXX XXXX ( Account # XXXX ) to access my credit report. I asked for validation for the debt and never received it. I also asked Experian to conduct a full investigation of this account and send me the results but I never got a response. 

Neither Experian or XXXX XXXX XXXX have provided me documentation showing how I owe this debt and continue to ignore me despite how many times I call and send letters. 

This account is keeping me homeless and preventing me from getting a place to live for me and my XXXX. Please delete it immediately!
Consumer complaint received 2017-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NC)

I took out a personal loan with XXXX XXXX in XXXX in the amount of {$10000.00} at 18 % interest rate after losing my job. Since then, I 've repaid the loan in an excess of {$25000.00} and they 're still saying that I owe {$9500.00}. They refuse to renegotiate the loan and it has since been sold/transferred the loan to another company called OneMain Financial. I 've made my payment consistently for over 10 years and now they 're saying that I 'm behind in my payments. They 're destroying my credit in the process. What can I do to solve this never ending mistake?
Consumer complaint received 2022-08-13
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. (MN)

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019