davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts, has violated my rights. 

DPT ED/XXXX- Account # XXXX, XXXX, XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX, XXXX XXXX- Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX**XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX- Account # XXXX XXXX Account # XXXX 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 Also there are unauthorized Inquiries that are not made by me and need to be removed immediately according to FCRA Section 609 & 611. 

XXXX XXXX  XXXX Date Inquiry : XX/XX/XXXX - XXXX XXXX - Date Inquiry : XX/XX/XXXX - XXXXXXXX XXXX XXXX - Date XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Inquiry : XX/XX/XXXX XXXX XXXX XXXX  - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - Date Inquiry : XX/XX/XXXX XXXX TransUnion XXXX - Date Inquiry : XX/XX/XXXX XXXX XXXX  XXXX - Date Inquiry : XX/XX/XXXX - TransUnion XXXX - Date Inquiry : XX/XX/XXXX - XXXX XXXX  - XXXX Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX  - Date Inquiry : XX/XX/XXXX - TransUnion XXXX XXXX - Date Inquiry : XX/XX/XXXX - TransUnion
Consumer complaint received 2022-12-16
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - L XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (NJ)

I placed an order for a white hoodie on XX/XX/2022 with XXXX. After a few days passed since the order was placed, I did not hear back or get any update, so I reached out to the merchant, who confirmed that my order was getting prepared. I received a shipment confirmation with a FedEx tracking number on XX/XX/2022. On XX/XX/2022, I received the notification that my package was delivered. As I live in an apartment building, I attempted to retrieve my package at the reception where all packages are delivered, but the concierge was unable to find it. After searching everywhere in the apartment building with the help of the staff who work here, I reached back out to XXXX explaining that the package has not been received, even though the tracking number was marked as delivered. I asked them to reach out to FedEx for information that could help to retrieve the order, but the answer I received was " We see that this order has been delivered on XXXX of XXXX. ". Since I was still not able to locate the package and the merchant was completely unhelpful and unprofessional, I opened a dispute via the Apple Card customer service. As far as I am aware, when a dispute is opened, it should be investigated to find out what happened, but this is not the service I have been provided. I've been told conflicting information by representatives about how and why the dispute was processed, XXXX agent told me that the dispute was initially filed as I claimed to have not placed an order? I am able to retrieve most of the correspondence with Apple Card support, and this was definitely not the case. The dispute was resolved in the merchant 's favor numerous times. Every time I reopen the dispute, it is closed with the same outcome without any investigation. I receive the same folder of " correspondence '' from the merchant including my order confirmation and tracking number, which according to this credit card company confirms that the order has been actually delivered? I am not aware of the merchant ever reaching out to XXXX, definitely not when I requested them to, I am also not aware of any claims that have been made, which can only be made by the sender. Based on the documents that I received at least 5 times regarding this matter, I am also not aware of any steps that were taken by Apple Card support or the merchant to file the package as missing through XXXX, so that it can be either found or refunded. The merchant also didn't reship the item. I will not pay for an item that I have not received, especially when all of my timely requests were ignored by the merchant and Apple Card Support. This matter could have been resolved if the merchant would have been willing to cooperate and to do their job as the seller and shipper of this item.
Consumer complaint received 2022-12-16
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)

I have been a victim of identity theft and the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by me nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting.. I previously requested proof of verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX XXXX XXXXInquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX-Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX- Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXXInquired on XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXX-Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX-Inquired on XX/XX/XXXX, XXXXXXXX XXXX-Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXInquired XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX-Inquired XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXXInquired on XXXX XXXX, XXXXXXXX XXXXInquired on XXXX XXXX, XXXX
Consumer complaint received 2023-01-30
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX account 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 2024-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Well, apparently some fraud has been happening in my bank account in my savings account that I did not have no money in or none going into so I really never checked it online but apparently there were some wire deposits that were going in and taking out and I had no idea but then they tried to do it on my checking account in XX/XX/XXXX the same day that my Social Security check was deposited and the bank allowed them to withdraw {$1000.00} of my Social Security check that I live off of. They keep saying this is all my fault but when I dont even know what happens until Im missing the money then I noticed it and then came back and they are doing an investigating on my accounts. All my accounts were closed XX/XX/year> they are saying due to my fraud my activity. I do not do fraud activity. I live off my XXXX check in this bank is allowing these people to keep doing this to my account without stopping them. I feel that theyre trying to take my money. Is it fraud or is it the bank inside somewhere doing this? In the meantime I look bad they close my account inconvenient to me and now Im waiting every day to get their decision on my account. I wait for a letter through the mail to come back and say theyre not gon na give me my {$1000.00} back which theyre investigating right now about it. They came back and said all the other accounts were my fault and I didnt even know that was happening in my account so now Im just waiting for this last one on my checking account, that is the one for my {$1000.00}. I did not OK nobody was taking it out and they gave it to them.. I hope something can be done about this because {$1000.00} is an awful lot for me. Thank you for letting me share please someone help me get through this and figure out what to do. Thank you again and have a wonderful day.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

In XX/XX/XXXX there was fraudulent activity made on my Discover card totaling approximately {$6800.00}. I hadn't used my Discover card for a few months so when I received my billing statement in XX/XX/XXXX I discovered the fraudulent charges I called Discover and the representative told me that Discover would initiate a fraud investigation and they would transfer the funds back into my account pending the conclusion of the investigation at the conclusion of their investigation they transferred my funds out of my XXXX XXXX  account. I asked the representative to place my account on a hold so that no further fraudulent activity would occur. I assumed that the hold would stay in effect until I activated the card some how the card was activated and a additional approximately {$8000.00}. I've been trying to recover since my money since XX/XX/XXXX, Discover refuses to return my funds I've been unable to resolve the fraudulent charges and recover my money. Discover advertises " if you didn't make the charge you don't have to pay '' I feel that I have cooperated with Discover in every way that I can but Discover is unwilling to honor their pledge 'if you don't make the charges you don't have to pay '
Consumer complaint received 2023-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

on the following dates, someone used my social security number to attempt to to obtain accounts in my name. There were no accounts opened that I am aware of, but these inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just learned about theseu inquiries on XX/XX/XXXX when I checked my credit because I wanted to purchase my first vehicle.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (FL)

On or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (GA)

On XXXX XXXX, I called into Credit Acceptance. After speaking with a rep I was that they would accept my payment in the amount of XXXX on XXXX XXXX After accepting the payment in the amount of XXXX payment, American Credit Acceptance stated that this payment would satisfy the amount needed to be removed from the repossession list. 

When I called American Credit on XXXX XXXX, I spoke with the Reinstatement Department Manager. The manager stated that when I made the required payment, that the Repossesion Company was closed for the day and that they couldnt update the company about my repossession status being removed from list. 

My property was illegally seized and my non public information was provided to a third party outside of my contract. 

According to Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq American Credit Acceptance used False or Misleading Representation and Unfair Practices in which American Credit Acceptance took property ( vehicle ) when the creditor had no enforceable right to the property, I made payments sufficient to stop the repossession. 
American Credit Acceptance engaged in unfair acts and practices by repossessing my vehicle, even after I took intentional actions to prevent repossession. 
I requested a full investigation of the matter from the reinstatement department and they have yet to provide me those details. I have suffered damages as a result of these violations.
Consumer complaint received 2022-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is an inquiry on my Transunion credit report called XXXX XXXXXXXX XXXX  XXXX XX/XX/22. I have never applied for a Mortgage loan ... .EVER!
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was denied access to my bank funds and I received treatment that I believe to be discriminatory. On XX/XX/22, I went to the same Bank of America Branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on two different occasions. The first occasion was to get two rolls of quarters to wash clothes. I was waited on by XXXX XXXX. I was informed that I can only receive one roll of quarters. The excuse I was given was the coin shortage. I shared information from the FDIC that there was no longer a coin shortage. I also requested the written policy and protocol on receiving rolls of quarters. I was told there wasn't a formal policy and I was given the option by XXXX to either receive the one roll of quarters or to withdraw all the money from my bank account. 

I waited and spoke to the Branch Manager ( XXXX XXXX XXXX ) to no avail. I took the roll of quarters and left. I needed additional quarters to wash my clothes, so I returned to the bank later that day. I made a request to withdrawal {$950.00} ( waited on by XXXX XXXX XXXX ). XXXX processed the withdrawal ( withdrawal slip attached- please note that when I requested the slip XXXX XXXX it out before giving it to me ), but when I requested to receive the amount in quarters, he refused to give me the funds and reversed the transaction. 

I feel it's unjust under Availability of Funds and Collection of Check ( Regulation CC ) [ Federal Reserve Board ] for Bank of America to process my withdrawal for {$9.00} and refuse to give me the funds because of the legal tender that I want it distributed in. The {$9.00} withdrawal was not a roll of quarters. Under the direction of the Federal Reserve Board, I believe a consumer should have the right to access their available bank funds. 

I felt their actions on both occasions were discriminatory based upon the fact that I'm XXXX XXXX and several of my XXXX and XXXX neighbors ( who also need quarters to wash their clothes ) received more than one roll of quarters from this branch. In addition, XXXX stated the branch must follow rules ; however, according to the branch rules, the branch closes at XXXX XXXX. XXXX, XXXX, and XXXX disregarded this bank rule and allowed XXXX XXXX customers to enter the bank after hours ( one around XXXX XXXX and one around XXXX XXXX ) to process their request. 

When I expressed my concerns of discrimination to XXXX ( the fact that the " branch rules '' were not being enforce equitably between XXXX  and how my XXXX XXXX XXXX neighbors received more than XXXX roll of quarters on several occasions ), XXXX gave my the additional roll of quarters ( after two trips and about an hour of waiting ). However, XXXX told me not to return to the bank.
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Report act. The list of accountants below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-23
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: Financial Assistance Inc (NV)

NO IDEA, NO CONTRACT, IVE BEEN XXXX XXXX WITH XXXX FOR A YEAR AND AND A HALF, I DONT OWN THIS ACCOUNT NO REPLY FROM COMPANY Payment Status Collection/Chargeoff Last Updated XX/XX/2022 Current Balance {$270.00} Original Balance {$270.00} Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

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Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

Experian, XXXX, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.