davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I saw illegal accounts that were not mine on my profile report. I'm upset that you put the information below in my credit profile and that you don't follow good practices to make sure your credit reports are as accurate as possible. Laws about credit reporting make sure that agencies only report 100 % correct credit information. At each step, the information should be checked to make sure it is correct and accurate. The information that goes with this should be looked into. After carefully getting my credit report from your agency, I am having a hard time finding accounts that are wrong or don't exist. Because of the XXXX data breach, I don't know anything about these things or the wrong information. This is because my information may have gotten into the wrong hands. You are reporting carelessly and wrongly, and you are not following the FRCA. I know that as a federally protected consumer you have no legal standing and can't hire a lawyer to fight me.

I'll ask for a default judgment and file a class action lawsuit for violations, stress, and XXXX XXXX 
as well as at least 1 percent of the corporation under TILA 1640, OR ANY OTHER AMOUNT OF DAMAGES UNDER 1692K.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (MN)

I have attempted to dispute and contact Equifax. These are fraudulent inquiries. The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-04
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. (GA)

When I went to the car dealership they ran me for financing without my consent multiple times! Listed below are all the times I'm aware that they ran my credit. 

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  The rest below were pulled off my XXXX XXXX credit report that I am unaware of. 

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
Consumer complaint received 2023-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed a bankruptcy on my consumer report around XXXX XXXX to Transunion, XXXX and XXXX aksing them to remove the XXXX  XXXX bankruptcy from my consumer reports because they did not have permissible purpose. Pern the Fair Credit reporting act 15 USC1681b permissible purpose to furnish my information to any third party. I am met with repeated responses that it has been verified and will not give me proper information as to how it was verified and did not adress the above reference sttute. I would the bankruptcy removed from all 3 credit bureaus. I have disputed this item numerous time only to get the same results.

I Would like to seek damages of : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil Liability for willful noncompliance [ 15 U.S.C. 1681
Consumer complaint received 2020-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Yesterday morning my XXXX year old and XXXX year old sons. Decided they where gon na buy online games. In less then an hour they spent {$570.00}. Three of the 11 charges which were to XXXX were refunded without an issue. I contacted XXXX and they say they will not issue a refund for any of the charges. The other charges were from XXXX for sone game equaling {$470.00}. So I contacted my bank Santander to see if they could reverse the charges. They said I would have to press charges against my sons. How is this legal??? All charges were made on XX/XX/2020 between XXXX XXXX  and XXXX XXXX. While I was sleeping.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my 9th attempt 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2020-08-29
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: Stallings Financial Group, Inc. (GA)

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) and STALLINGS FINANCIAL GR ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-09-15
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. (NV)

On XX/XX/2021 I mailed a certified letter to Trans Union requesting proof of verification. In this letter I clearly stated this is not a dispute simply questioning how Trans Union verified this particular account. 

Trans Union responded with a letter my investigation results. The letter states investigation results verified as accurate the disputed item was verified as accurate. 

I would like Trans Union to provide proof of how they verified this particular account and provide me with contact information on who they received the proof from. If this account is unverifiable I would like trans union to remove this account and send me an updated copy of my credit report. 

Attached is a copy of the certified mail receipt also the letter that was mailed directly to Trans Union also train unions investigation results letter.
Consumer complaint received 2020-08-29
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: Navient Solutions, LLC. (NV)

I have a loan with XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), NAVIENT, and US DEP ED. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), NAVIENT, and US DEP ED with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report as these inquiries were unauthorized. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copy of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-08-29
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: CCS Financial Services, Inc. (GA)

I have a loan with XXXX ( Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX (  Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The week of XX/XX/XXXX, I received an electronic deposit of about {$33000.00} from the SBA Economic Injury Disaster Loan program ( EILP ). 

On or around XX/XX/XXXX, my debit card was declined at a gas station and then a grocery store. Upon calling Chase to report the matter, I was informed that my account had been frozen because of the SBA loan and that since the loan was for a business, I needed to provide the bank with an EIN. I explained that I am an XXXX driver, that in the state of California, XXXX drivers are classified as independent contractors, and that I operate as a sole proprietor and use my social security number for tax filings and other business purposes. However, my explanation was not accepted, and they persisted in their demand. 

I reached out to Chase Executive Office and spoke to " XXXX XXXX '' to see if they could expedite a resolution of the matter, but they never got back to me. I also went to a local branch to try to close my account, but I was told that Chase fraud/loss prevention would close the account in 10 days and mail me a check for my checking/savings balances. I subsequently called the fraud/loss prevention number myself, and they confirmed what I was told at the branch. 

However, upon calling the fraud/loss prevention number again on XX/XX/XXXX for a status update, I was told by XXXX that my account was indeed pending closure but that they would keep my money and not send a check until I provided EIN documentation even though I had already told them several times that I am a sole proprietor and that I do not have, nor am I required to have an EIN, nor required to register as a sole proprietor with my secretary of state. 

Since XX/XX/XXXX, I have been blocked from accessing my account information and funds with no formal notice of explanation from Chase, including citation of any relevant constitutional provision or legal/regulatory statute ( s ) giving them the right and authority to withhold my money. Chase even caused debits to my account to bounce including my rent payment for XXXX because of the freeze/suspension. 

Chase is in clear violation of the Expedited Funds Availability Act ( EFAA ), and I request that the Office of the Comptroller of the Currency and CFPB order Chase Bank to close my account immediately and to have my checking and savings account balances and any and all applicable interest to which I am entitled paid to me by cashiers check and available for me to pick up along with a final statement at a local Chase Bank branch as soon as possible.
Consumer complaint received 2021-03-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

Back in XX/XX/XXXX I refinanced my home for a lower interest rate. At the same time my property tax was due on the home. Two property tax payments were sent to XXXX XXXX XXXX XXXX 's Office. One by the new Escrow Co ; XXXX XXXX  of XXXX XXXX, CA and the other payment was sent by XXXX XXXX XXXX XXXX. my previous lender who was paid in full on the old mortgage. The duplicate property tax payment of {$1100.00} was finally sent back to the old lender ( XXXX XXXX XXXX Co. ) in the 2nd week of XX/XX/XXXX. I had confirmed this with the XXXX County Property Tax Office by XXXX XXXX. I have since on several occasions called by phone and was told by Home Point to send them an E-mail which I did 30 days ago with no return reply or when I wwas to receive that payment which came out of my Escrow funds from Home Point. They still owe me that payment for duplicate property tax payment that came out of my XXXX XXXX XXXX  escrow account. Please contact XXXX XXXX XXXX and inquire why they have not sent me my entitled escrow funds that are due me. It's been five months now since that duplicate property tax payment has not been sent to me. Your help in this matter will be extremely appreciated.
Consumer complaint received 2023-01-12
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. (FL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.
Consumer complaint received 2024-10-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

Fair Collection & Outsourci is reporting an incorrect & inaccurate rental debt amount on my credit report. The original consumer said that they are reporting the wrong amount. Fair Collection & Outsourci is reporting {$17000.00} and the original amount is {$13000.00} and paid. I demand them to delete this inaccurate information off of all 3 credit reports. Its against the law that they are reporting inaccurate information knowingly, its also against the fair housing law. I will sue if they dont delete it from all 3 credit reports immediately!
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also note I want Experian to remove all hard inquiries from my report and all charge off collections! They are violating my rights according to 15 U.S.C 1681 section 604 A section 2
Consumer complaint received 2023-09-24
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. (DE)

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT, As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2024-12-18
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. (NJ)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (FL)

Equifax, XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries and collection acct reported was fraud. Said company has XXXX days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Equifax, XXXX XXXX XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Equifax, XXXX XXXX XXXX has XXXX days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an XXXX report, if Equifax, XXXX XXXX XXXX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. Equifax commission file number XXXX :, XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX file number XXXX : XXXX XXXX  Inquired on XX/XX/ XXXX XXXX XXXX XXXX, XXXX Collection Acct XXXX XXXX I Original creditor : XXXX XXXX XXXX Balance {$4100.00} Account XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (LA)

Coinbase is an online cryptocurrency platform. My account was fully verified with no problems for several months. Suddenly, and without warning, my buy/sell privledges were revoked. When I inquired to Coinbase, they told me - quote : " Coinbase reviewed your account and has determined that you are not eligible to use the Coinbase platform to purchase cryptocurrency or use our deposit services. As such, you are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' They further stated : " As a security measure, we are unable to elaborate on our internal decision process. This decision remains final and we will not be able to remove this restriction from your account. " If they don't want to do business with me that's fine, but they are holding hostage {$1100.00} that was charged to my bank. They have a {$0.00} " available for withdrawal '' balance. When I inquire they say : " We have not blocked access to the balance currently in your Coinbase account. While we can no longer process brokerage orders via our banking relationship, you may still send your balance to an external address and withdraw any remaining fiat from your fiat wallet to an active linked bank account once your funds are available to withdraw. '' and " You will be able to transfer, sell, or withdraw any balance currently in your Coinbase account. Please note, you may need to wait until funds are available for withdrawal and we will not be able to expedite this process. '' I CAN NOT withdraw my money. It is my money and I want it.