davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-28
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. (TN)

On XX/XX/XXXX a certified letter was mailed to transunion and XXXX in regards to inquiries on my report that were not given the authority to furnish my report. They told me that they had the ability to do whatever they wanted and to report it if it was authorized or not because they had permissible purposes i advised then that they did NOT have permissible purposes and the items should be removed. They stated that they did not receive my letters. I have proof of delivery also. I spent 2 hours on the phone with a representative from each bureau which said the same things to me. They would not remove the inquiries. 

Inquiries TRANSUNION : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (MO)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXnce : {$0.00} 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 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 XXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NJ)

Marcus by Goldman Sachs offers a 1 % referral bonus to customers who successfully refer a friend or family. Even after multiple instances of representatives confirming a friends account being opened as a result of my referral and my friend confirming he used the link ( techs, spoke to my friend TWICE ), Marcus by Goldman Sachs has denied me the bonus. The representatives lack customer service and an ability to solve client concerns. They state that if I would have called within 3 business days of the account being opened, that they could have manually credited my account with the referral bonus. I notified them within a week. XXXX. I asked where this was disclosed to customers and they advised that it is only disclosed in internal procedures and not to the customer. Can you say false advertising? Unacceptable! I will be closing my account and Id advise anyone who cares about the legitimacy of their bank and CUSTOMER SERVICE to find another bank.
Consumer complaint received 2021-12-28
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. (PA)

I am distressed that Experian 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. 
How did you verify the date last active? Also how did you verify the date of last payment? May I know your investigation resources? This misleading information has reporting on my credit profile for over a year. The last payment for this account was XX/XX/2018, therefore the date you have reported for date of last payment & date last active in inaccurate. The following information therefore needs to be re-investigated and removed from my credit profile for immediately Account : XXXX XXXX XXXX XXXX I respectfully request proof of your investigation. 
The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 

In this complaint accompanies a copy of my Experian credit report showing proof of the inaccuracies reporting on my credit profile.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2022, I was informed by TransUnion that I had opened an account with XXXX XXXXXXXX XXXX On XX/XX/2022 I called TransUnion to let them know I did not open an account with XXXX XXXX XXXX. I was told that I would have to contact XXXX XXXXXXXX XXXX to get the account closed. I contacted XXXX XXXX who told me that there was no record of my social security number opening an account. I then contacted TransUnion who told me that I would have to get a statement from XXXX XXXX that I did not open an account. Contacted XXXX XXXX who told me they could not do that because I do not have an account with them. 
I submitted an online request to TransUnion to have this information removed on XX/XX/2022. I called TransUnion on XX/XX/2022 and was told that they would contact XXXX XXXX to see if an account had been opened in my name. 
TransUnion is the only credit reporting agency with the information that t I opened an account with XXXX XXXX. XXXX and XXXX are not reporting this information because it is incorrect.. 
On XX/XX/2022 called ) TransUnion XXXX per XXXX I was told to call XXXX XXXX. On XXXX I called XXXX XXXX XXXX XXXX there is no record of my social security number or my street address with an account with XXXX XXXX.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CA)

On XXXX a recurring payment was scheduled to Honda financial that resulted in an entanglement of payment methods. 
I have been unsuccessfully in recent attempts to resolve payment methods in their system. 
Honda has a hook and tie method when a customer wants to use a payment from a bank. 
However, when a customer wants to delete a payment from a bank, their system won't let you do so. this resulted in my payment drawn from the wrong bank account, and a fee being charged.
Consumer complaint received 2022-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA (GA)

I applied for a personal loan on their website after they have sent me hundreds of messages to me promoting their personal loans. When I applied for the loan today ( XXXX ) they denied me the loan citing the following reasons : Recent number of payments too low Lack of mortgage trade history on file Too many inquiries in the last six months The top most reasons makes no sense. 

What kind of payments are they talking about? How many is too low Lack of mortgage history. I have had three mortgages in my life. All of them have been paid off successfully They gave the following information about my credit score Your Credit Score : 808 Date : XXXX Scores range from a low of 300 to a high of 850. 

I am assuming that this is the credit score that they used to make decisions. If that is the case, 808 seems to be a pretty high score If not they should tell me what type of score this is. What is the point of giving me a credit score that seems to have no connection to the credit decision? 

I think Goldman Sachs is violating a bunch of FCRA / CFPB / FTC rules in denying me credit. 
After I was denied credit, I XXXXXXXX XXXX to see if there are any complaints. I saw a few news items that suggest that XXXX has stopped making personal loans. If tat is the case they should not have accessed my credit report!
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (VA)

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 reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-18
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. (FL)

n accordance with the Fair Credit Reporting act 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CT)

Experian is responsible for my credit score to deceased tremendously. 
I apply for XXXX XXXX credit card with a high credit score. No negative Credit reporting, no missed or late payments. Small debit with no hard Inquiries. I first check on my computer under Experian to see if it was lock For fraudulent security alerts and it was open. I open and close it periodically. 
I when on to XXXX XXXX within 20 minutes to apply for credit ( declined ). 
I stared received alerts from Experian stating your score has decreased. 
I eventually received a letter from XXXX XXXX stating we have denied your Application unable to verify credit reference due to security alert. 
I am an older diverse individual with a large family income that stays on top of it Credits. I felt low and embarrass at the store. 
Experian stays in your accounts not always in a helpful way. 
I want my credit score to be put back where it was by EXPERIAN wrongdoing. 
I also want that Experian XXXX XXXX  XXXX taken off my report. 
That account is closed with a XXXX balance. 
Why these company states they are trying to help everyone open credit When they cant move an inch finding information to help individual.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

My last day in my office was XX/XX/XXXX due to the pandemic. I returned and had no choice but to accept a demotion position on XX/XX/XXXX making approximately $ 30K less. during the pandemic I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed or late on a payment. I contacted XXXX XXXX letting them know my situation and to make payment arrangement base on what I can afford at the time, and they refuse to work with me. I'm now back to my office and am making payments. I explained to them The Govt passed The Corona Virus Aid Relief Economic Security Act which was enacted in XX/XX/XXXX and that late payments should not be reported on my account. Even though I settled with them in XXXX of XXXX, they are still reporting the account is in collection which is incorrect. On XX/XX/XXXX I contacted XXXX XXXX / XXXXCBNA, Phone # XXXX, Old Account Number XXXX, Late Payments on my account due to the pandemic ( Dates on my credit report - XX/XX/XXXX XX/XX/XXXX Late Payments ). I called them and spoke to XXXX XXXX ID # XXXX, who transferred me to her supervisor XXXX ( Supervisor ) ID # XXXX who transferred me to XXXX ID # XXXX who is not able to assist me but refuse to transfer me to a supervisor. After one hour and 58 minutes on the phone begging to speak to a supervisor I was transferred to supervisor XXXX ID # XXXX who stated she never heard of the Corona Virus Aid Relief Economic Security Act and could not assist me. 
If you need additional information, you can call me at XXXX. 
Thank you very much. 
XXXX XXXX
Consumer complaint received 2022-08-01
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous account being reported on my File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Equifax for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-09-18
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. (CA)

I filed a dispute with TRANSUNION about them reporting a bankruptcy on my credit report that does not belong to me. XXXX  list XXXX as the 3rd party consumer reporting agency that provided that incorrect information. I reached out to XXXX about that bankruptcy reporting after my dispute with them and XXXX sent me a letter stating that as of XX/XX/2022 they have removed my disputed bankruptcy information from my file. I have attached a copy of that letter to this complaint for your records. Please remove the bankruptcy listing from file and all accounts listing incorrect information from a bankruptcy. If this information is not removed with in 30 days of this complaint, as I am a litigious consumer and I will not hesitate to file a suit in court for damages per the Federal Credit Reporting Act.
Consumer complaint received 2022-07-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

IT'S BEEN A LONG TIME, JUST TODAY I OPEN MY TRANSUNION CREDIT REPORT, I DO NOT KNOW WHERE THE HECK THIS NAMES OF COMPANIS OR INDIVIDUALES COMMING FROM, TRYING DO XXXX IN MY CREDIT TRY TO BE LUCKY TO USE MY CREDIT TO GET OR BUY SOMETHING, THIS SO MANY INQUIRIES, 90 % ARE FRAUDULENT ACTIVITIS, I SEND THE MESSAGE TO ALL CREDIT BUREAUS AND TO TRANSUNION SPECAL ATTN : THIS THINK MUST STOP, THIS ALL THREE CREDIT BUREAUS MUST USE BETTER TECNOLOGY TO PROTECT US FROM UNAUTHORIZED SELLES, COMPANIS SALESMANS, OR XXXXXXXX XXXX  HACKERS AND FRAUD COMITTERS, MUST, HAVE SPECIAL AUTORIZED COD NUMBER TO FILE A CREDIT ON OUR MAMES, IF THEY HAVE THE XXXX NUMBER, THEY C N'T CHECK THE CREDIT, UNLES WE AUTHORIZED WHEN THEY ASK AS PERMITION, SO WE GO AHEAD TO AUTHORIZE THEM TO GIVE THEM PERMITION TO CHECK OUR CREDIT, OTHERWISE THER IS NO WAY ANY ONE CAN CHECK WITHOUT ASKING, TEXTING CALLING US TO GIVE THEM GREEN LIGHT, TO KEEP OUR CREDIT SAFE FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, : THANK YOU FOR GIVING THIS ATTN ; TO ALL CREDIT BUREAUS TO ADD BETTER TECHNOLGY TO PRETACT US FROM CREDIT DESTROYERS AND CREDIT SCORE DESTROYERS XXXX XXXX XXXX I'M SURE WE HAVE A MUCH BETTER TECHNOLOGY TO FURNISH ALL 3 CREDIT BUREAUS TO PROTECT US CITIENS ASAP. THNK YOU SO MUCH C F P B FOR ACTING AND HELPING US ASP, I HOPE IT ; S SOON, BEFOR WE LOOS OUR CREDIT. THNKS AGAIN, C F P B. SICERELY FROM XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-04-27
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. (AR)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

On XX/XX/XXXX, I placed a security freeze through the automatic phone message system. I had placed it with the other 2 bureaus online where they allowed me to set my PIN. I had to do it through the phone as the automatic phone system didn't let me speak to anyone. I kept asking the automatic phone system to let me speak to someone and get a PIN before freezing, but it never did. Once I froze my account it didn't give me any PIN. 

I tried calling over and over and the automatic phone system kept saying it couldn't connect me to anyone unless I had a very specific reason. 

I created an account several times because the account was marked as " created '', but I never received an email and I could not log on. When prompting a password reset, the website said I didn't have an account. 

When I was finally able to speak to a customer representative he said to wait a day to try again as my account had been " locked. '' I tried calling again and the customer representative said there was 4 different " inactive '' accounts and that my PIN to unfreeze my account was sent to the email of my last account creation which I never received.

I'm concerned that their website allowed me to create 4 different accounts and 3 of them with the same email. Their system never sent any confirmation email or an email with the PIN. 

I ended up talking to XXXX, a person who claimed to be a supervisor in membership department and she was extremely rude, lied several times about what could be done and about me not having an account, and did not fix my issue with the account and refused to answer any questions, did not escalate any issues to tech or IT, and refused to fix my issue with the account.
Consumer complaint received 2022-01-06
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. (VA)

I XXXX XXXX am federal protected under the FDRA and FDCPA. XXXX XXXX violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral consent.
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (CA)

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.