davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the account. Also its a XXXX XXXX  thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (FL)

I went to XXXX located at XXXX XXXX XXXX, XXXX, Florida XXXX to wire a {$320.00} payments money through Western Union to XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Wester Union XXXX # XXXX XXXX XXXX alleged they never received payment from Wester Union and failed to post payment to my account. 

Western Union charges and was paid for a timely service that was not rendered. For almost two weeks XXXX XXXX alleged they did not receive my payment from Western Union. XXXX XXXX did not post the payment to my account until XX/XX/2024 ; After I reported both, XXXX  XXXX and Western Union to the Florida Attorney Generals office. 
. 
I do not know which company caused this UNFAIR AND DECEPTIVE DILEMA, FINANCIAL HARDSHIP, DENIAL IF ACCESS TO MEDICAL CARE/MEDICATION, DISAPPOINTMENT, STRESS, XXXX, AND VICTIMIZATION upon my family, but an investigation, exposure, and audit is needed. IT APPEARS BUSINESSES PRACTICING IN THE STATE OF FLORIDA HAVE BEEN GIVEN A PASS TO COMMIT BUSINESS CRIMES AGAINST CONSUMERS BLATANTLY, CONTINUOUSLY, AND WITHOUT ACCOUNTABILITY.
Consumer complaint received 2021-10-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have sent letters to each TransUnion, XXXX, and XXXX on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (SC)

I opened an account with Home Depot. They never sent me a bill and have been charging me late fees. I have spoken and written to them about the problem and told them that I would gladly pay the bill when receive a bill. The continue to hassel me and add charges. They have called multiple times and have not corrected the problem. I refuse to pay any late fees they have added due to their mistake. They have been completely unresponsive.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and In accordance with the fair credit reporting act, the list of accounts below has violated my federal Protected consumer rights to privacy and confidentiality under 15 usc 1681 Lending group # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. State 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 state no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which indicates the report by more than seven years
Consumer complaint received 2024-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

I received a notice from Paragon Revenue Group that they were attempting to collect on an alleged invalid-unverified medical debt from XXXX XXXX XXXXXXXX in the amount of {$270.00}. I am unaware of this debt and my rights have been violated pursuant to the HIPAA act and the Fair Debt Collection Practices Act.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company (OH)

My public record is inaccurate and I attempted to file proof of documents that show a mortgage reaffirmation agreement to the mortgage company, credit reporting systems and court. My monthly mortgage owed is not being reported and tracked and not accurate to the monthly payments I have been making for the past XXXX  years. This affects my credit worthiness and ability to show accurate scores of financial payments being made, additionally affecting my ability to access future loans, refinance and credit score.
Consumer complaint received 2024-05-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I dont remember dates but it was ending of XXXX going to XXXX. It was when XXXX  was just starting but they didnt know it was XXXX yet. I was in an abusive relationship that I had to get out of long story short he went to jail and I went back to live with my mom. I wasnt work for a year and so XXXX XXXX XXXX so a lot of my bills werent paid and then XXXX really hit and I really didnt have a job. This company check n go are loan sharks and cant even put it on your credit or come after you legally. I sent them a fcra looking for verification not validation and all they did was supposedly update my credit report but not send documents.
Consumer complaint received 2024-04-29
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I cant use this card in any stores! I have tried XXXX and XXXX and much more and its not being accepted anywhere! I would like a check in the form of the amount so that I am able to use it. Im frustrated of trying to use this card and not being able to spend it!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AR)

We recently called XXXX credit card companies. Chase company and XXXX XXXX These XXXX companies told me that even if I took my name off as an authorized user that it would still show up on my credit. That is incorrect and I would like this to be resolved. I can no longer use the card. Therefore, shouldnt be associated with the debt. I would like this to be taken off my credit report.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On or about XX/XX/XXXX I called Bank of America to report fraud on my UI debit card. {$120.00} was taken from the ATM. They cancelled the card and forwarded me to a claims department - I waited forever and was disconnected. Tried again and didnt get through. Finally when I had a spare hour ( I have XXXX kids at home for school ) I called back in mid XXXX. The agent asked me a bunch of questions ( he also mentioned this was an issue with others ) The next day I went to get money out. The ATM message was to contact the vendor ( not exact word ) which meant unemployment. I called Bank of America and basically they said it wasnt their doing - it was UI that cancelled my account.

It took me literally a week to get through to UI fraud division. They said my UI account was good standing. That it was BOA that closed my account. They told me to send SS and drivers license to them. They would approve an unlock on my account which would take 5-7 days. This was around XX/XX/XXXX. Finally last week around XX/XX/XXXX my account was unlocked. The only money in the account was the $ which should have been in there when I reported the fraud. 

They owe me over a month in filings. Also they owe me for the fraud {$120.00}. The card wasnt secure with Chip etc. and obviously because others having same issue they need to address this! UI is still depositing $ into the account but the money isnt there!
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC (CA)

River Heights Capital, LLC Fill to court Execution ( money Judgment ) XX/XX/year>, {$11000.00}. 
Failed to validate a debt at my request ignored my cease and desist Balance claimed Include all fees, interest and penalties.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

XX/XX/2024 I looked at my report and noticed information was reporting that shouldn't be on my report.

According to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ( ii ) promptly notify the furnisher of that information that the information has been deleted form the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure the b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681 s-2 this is suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relying to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified. by the consumer, at address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have edivence to prove my case.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My Information was exposed in a data breach with Equifax. I tried to dispute items through websites without success as well as doing the credit freeze on my report I spent time calling, mailing letters, and doing extensive research to get these items removed from my report.
Consumer complaint received 2021-11-02
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)

Account of XXXX  acct # XXXX reporting to my credit reports inaccurately to the three major bureaus. You will see that the past due amounts are different, last reported dates, as well as date last active and date of last payment. Because this information is being reported differently from to each bureau this means that the account has not been properly verified and should be caused for permanent deletion from my credit file. I have provided a copy of how the company reported inaccurate information to my credit file.
Consumer complaint received 2024-04-08
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. (MD)

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not complete and accurate. 


And XXXX more thing according to XXXX XXXX XXXX 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. 

Check the attachments below.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

There are two credit inquiries from Bank of America. I receive alerts when there is ANY activity, good or bad. This happened today, XXXX, around XXXX XXXX. I do not have a Bank of America banking account, or credit cards, or have anything to do with Bank of America. 

Also today, I received an email from Bank of America asking me to confirm a request to update my email address. I called Bank of America fraud dept and they said that there was an account opened under my name and then closed. 

I'm afraid that my social security number has been compromised.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (MD)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-01-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sterling Credit Corp. (PA)

Sterling credit contacted me yesterday stating i owe a debt that i have no knowledge about it at all and they told me if i didn't pay my kids will be taken from me and my house and the man call me a XXXX and say pay your bills right now .they said i owed {$6000.00} and i don't owe that .Who is this company that i don't know at all .I explain to them i dont know them or what this debt is and he still assist i did and told me they will call all day and night til they get there money its Covid and this a shame .They are calling from XXXX.Please have them leave me alone .They call everyday and all day.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (NJ)

Penncredit has called me but never left a message. On top of that, as a victim of online scams, if I do not receive a physical address from the company itself after having relocated from XXXX XXXX XXXX, then I am very wary not to respond. I have dealt with much hardship in regards to this situation. 

Penncredit as I know is a legitimate company, but without the written communication, especially since my car is not registered in XXXX  yet, then I am not able to get my written accounts quickly or efficiently. 

Thank you.
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: SYNCHRONY FINANCIAL (VA)

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. 

Synchrony financial inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : 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 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 the information is inaccurate.
Consumer complaint received 2024-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION (GA)

So a company called M & T Bank which is debt collector sent me a welcome package so then i sent them what was called a Debt Validation letter requesting certain documents to prove i owed the debt .. when i ask the company did they purchased the mortgage the company was untruthful and said no but i later found out by the original company { XXXX XXXX } they pruchased the loan .. so once i found out they purchased the loan as a debt collector i referred to the uniform commercial code under TITLE 15 USC 1692 a debt collector can ; t purchased your debt and come after .. i also stated under 9 - 102 A 65 which contains to the PROMISSORY NOTE it not an repayable instruments .. Also under TITLE 12 USC 1431 banks can not lend money so how was there a loan granted.. I explain to the company that the promissory note was monetize that's how the home was paid for .. { title 12 USC 83 A } Also under TITLE 15 USC Section 1 all contracts are illegal but the company keep ignoring the documents and even sent threaten letters to foreclose on my home .. After i found out about the company being untruthful i filed a document for a cease and desist and under TITLE 15 USC 1692 E { 4 } i requested all payments backs but the company refuses..
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NC)

I have been trying to connect with Mr Cooper loan servicing company since XXXX XXXX. I got the number from my account on my payment statement sent in the mail. After asking some security question to verify my identity I tried to speak with a service representative but the automated system would not allow - rather it sent me into an endless loop where is asked me question and would not allow me to speak with a service representative. I have been trying to speak with a living and breathing human. This is causing me to become in distress with the problem I have.