davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Proverbs XXXX verse XXXX : hear instruction and be wise and refuse it not. I am making a claim that The CREDIT AGENCIES XXXX AND TRANSUNION broke the law as well as XXXX XXXX! XXXX XXXX stated no credit freeze and personal statements were in place stating to contact the CONSUMER day or night with his direct phone number available before proceeding with any credit transactions due to a XXXX breach of the CONSUMERS NON PUBLIC PERSONAL INFORMATION and being a victim of ID THEFT. When the CREDITOR accepted the offer from XXXX XXXX and authorized and authenticated with his credit information/signature a financial asset to create an account for his PRINCIPLE DEBTOR to obtain credit he was faced with an ADVERSE ACTION, DISCRIMINATION DUE TO THIRD PARTY INFLUENCE AND DEFAMATION OF CHARACTER CLAIMING THE APPLICANT WAS NOT CREDIT WORTHY. My proof of claim for the willful noncompliance and willful negligence of the CREDIT AGENCIES XXXX AND TRANSUNION ALONG WITH XXXX XXXX to break FEDERAL CONSUMER LAW is the credit freeze statement on both TRANSUNION AND XXXX clearly and conspicuously stating to contact consumer before proceeding that XXXX XXXX stated several times no credit freeze was in place at the time of the consumer credit transaction. XXXX charging and seeking COMPENSATION for the violations against the consumer that was set forth by XXXX TRANSUNION AND XXXX XXXX. FEDERAL CONSUMER AND COMMERCIAL LAWS both were broken and unfair and deceptive business practices from THE CREDIT AGENCIES AND XXXX XXXX.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (TX)

Have reached out to bank regarding access to account via mobile app and sending transfers to external accounts in my name. They've continually restricted my access until I call them and stay on the phone while they call my external bank to verify the account. This has been completed twice, and they've again denied me access to view my account until their employee calls my bank for a 3rd time to verbally verify the account I want to transfer to. I was told after verbally verifying twice already now and by verifying trial deposits, this would not happen again but it has.
Consumer complaint received 2023-02-01
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. (FL)

On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate : 1 ) XXXX Bankruptcy/ Reference XXXX.
Consumer complaint received 2021-05-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (WA)

We chose Loan Depot to do a cash-out refi of a rental property and then use that cash to pay off a 2nd property. 
We were asked to provide all of our documentation ( 2 months of pay stubs, rental agreements, 2 years tax returns, mortgage statements on all properties, insurance documentation on all properties, 2 months bank statements for multiple banks, driver licenses, etc ) which we did on time. 

Loan Depot scheduled a close date which happened to be on the exact date the payoff statement from property # 2 expired. We only received an e-mail communication on the date and time and we confirmed we would be home for that appointment. The closer never showed up. Now we have to re-work the loan estimates on a new closing date with a different payoff statement ( cost of {$25.00} ) and possibly lose our interest rate lock as well. 

I have repeatedly called and e-mailed our Sr Account Manager, The Process Manager and the Processing Director over the past 3 days. I have left multiple voice mail messages because none of these individuals pick up the phone. In the past 3 days I received 1 call back from the Process Manager who stated she got a message that I called, but didn't know anything more than that ( even though I provided a very detailed message about what the problem is what they can do to help ).

If I attempt to go through the main customer service line, I get stuck in a continuous loop with multiple people pushing toward some unavailable line that dumps me back into the abyss.

Three days. Not a single, helpful return call. None. We have no idea if we will close on this loan and have already paid processing fees, payoff statement fees and appraisal fees. It has now been 45 days since we started this process and with no idea when it will end.

If we wait any longer our rate lock will also expire ( Loan Depot already extended it once ). At this point Loan Depot needs to resolve and explain how we move forward with no additional costs and with the same interest rate. If we can't get that done, I want my money back. I moved forward in good faith that they would be able to complete this loan process. If they can't provide the service promised, then I should not have to pay for items as part of a failed attempt ( on Loan Depot 's side ) to complete the process.
Consumer complaint received 2021-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX my ex-spouse was awarded my vehicle which was a XXXX XXXX XXXX in our divorce. As of this date I was no longer responsible for this vehicle. I have sent copies of this decree to the creditor numerous times but they refuse to remove my name and information for this debt. I have been trying to remove this item off of my credit report so i can purchase a new home for my children and myself but they have refused to remove this even though they have proof it is not my debt.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MS)

This is an old credit card debt that was sold to this Company. The amount owed is wrong. The date it was taken out is wrong. No one informed me it was going back on my report after tbe original creditor was removed from..my reports. This account is closed yet this co..is reporting it to be an open account
Consumer complaint received 2021-07-08
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 kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.
Consumer complaint received 2020-10-09
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I called HSBC in XXXX about two charges on my Mastercard statement which I did not make so I paid everything but those two charges and was told they would be taken off. They closed that account and issued me a new card. Later that month I received an email stating I was delinquent on my account and charged a late fee even though I paid the remaining bill on time. I have sent several letters and copies of my statement to at least four HSBC locations but did not get any response from HSBC. 

It is now XXXX and nothing has been resolved. Now I'm afraid my credit may be in jeopardy. I just want this to be looked into and resolved. I am very uneasy about not being able to hear back from HSBC which is a large institution. Something is not right.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX, XXXX XXXX informed me via email that they had not received my rent check for the month, which is {$2200.00}. I did not see this email until the evening of the XXXX and called TD Bank to confirm that the check I issued had been cashed. Checking my online bank account I confirmed that the check had been cashed but the image of the check showed the check was not endorsed. TD Bank confirmed that the check was not endorsed and should not have been processed by their payment system. 
On the morning of XX/XX/XXXX I went to my bank branch, XXXX XXXX, XXXX XXXX XXXX XXXX, and filled out their " Affidavit of Forgery : Forged, Counterfeit, Altered or Stolen Check ( XXXX ) & Unauthorized Withdrawals '' form, closed my account, and opened a new account with TD Bank. 
On XX/XX/XXXX I was informed I should return to the bank to sign TD Bank 's " Affidavit of Payee Claims Non-Receipt/Missing Endorsement ''. Both documents were notarized at the bank. I informed the US Post Master General that the check was stolen from a mailbox and opened a case #. I have spoken to TD Bank XXXX Fraud Resolution department several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about the return of my money and was informed TD Bank could investigate the fraud for 120 days from the time of the reported fraud. This is unacceptable as TD Bank is fully at fault by cashing an unendorsed check. I need this money for a surgical procedure and have informed TD Bank of this to no avail.
Consumer complaint received 2021-05-19
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. (TX)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2021-07-08
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. (GA)

I am XXXX years old, and my credit is good with other agencies, transunion is upset as I don't open up credit so they slowly continue to lower my score, trying to make me pay more. 
private company trying to have their clients make money. Any thing in the Midwest is bad news. 
I want my scores to be affecting my correct and good payment history. 
if i have to use credit I do sometimes more than other times, but i pay on time and i should not be at the bottom of the tier. 
I will file a law suit with discrimination due to age and not wanting to open up more credit.
Consumer complaint received 2021-05-19
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. (NY)

I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH TRANSUNION. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH FIN RECOVERY. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX is still letting XXXX XXXX XXXX XXXX on my Credit Report I want it Removed I worked for them over 15 Years
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc. (IL)

BSI Financial holds my home mortgage and mismanaged my home mortgage account. BSI falsely reported payments made to my account as not paid ; some more than 180 days consecutively. BSI also reported the wrong balance to the credit bureaus and placed customer disputes on my account when I inquired with them to investigate their mishandling. They kept the disput on even when they admitted to the mishandling of my account.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of collection agency accounts by the credit bureaus. Specifically, I have discovered that multiple credit bureaus have reported a collections agency account that does not belong to me. Despite repeated attempts to rectify this issue, the inaccurate information remains on my credit report, which has adversely affected my financial standing and creditworthiness. 

I have diligently reviewed my credit reports from all three major credit bureaus, namely XXXX, Experian, and XXXX, and have identified the presence of a collections account from XXXX XXXX XXXXXXXX. The account in question allegedly pertains to an outstanding debt for which I have never received any notification or been served with a lawsuit. The reporting of this account is a clear violation of the Fair Credit Reporting Act, as it inaccurately represents my credit history. 

I have taken the necessary steps to dispute this error with the credit bureaus involved. I submitted detailed disputes outlining the inaccuracies, providing supporting documents, and emphasizing that I have no association with the collections agency or the alleged debt. However, despite my efforts, the credit bureaus have failed to remove the erroneous account from my credit report, resulting in significant harm to my financial well-being. 

I kindly request your intervention and assistance in resolving this matter promptly. I urge the Consumer Financial Protection Bureau to investigate the credit bureaus ' actions and ensure that they comply with the regulations outlined in the Fair Credit Reporting Act. I believe the credit bureaus have failed to fulfill their obligations to accurately report consumer information, which has had a detrimental impact on my creditworthiness and financial opportunities. 

Enclosed with this letter, you will find copies of my credit reports clearly displaying the inaccurate collections account, as well as the supporting documents that demonstrate my lack of involvement with the collections agency. Additionally, I have attached the correspondence exchanged with the credit bureaus, illustrating my attempts to resolve this matter directly with them. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-19
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. (AL)

I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my Experian account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.
Consumer complaint received 2021-05-19
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. (TX)

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MS)

Store associate explained that I was getting an in store promotion for a discount. I explained I did not want to apply for a credit card. She said I wasnt. She asked for my license as I was paying with a credit card, and soon afterwards she hands me a credit card application stating that she only gave me a discount. I get a notification later that Ive been approved for a credit card I did not apply for. 


This is was in XXXX XXXX in XXXX XXXX, FL on XX/XX/XXXX. I explicitly stated I did not want to apply for a credit card.
Consumer complaint received 2023-08-10
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. (NY)

According to my research about FCRA XXXX, XXXX Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

On XX/XX/XXXX I requested validation of information on my credit files and to have inaccurate information removed. The car company was paid off in full they are still reporting negative information on my report. I have documentation where my insurance has paid them off after a head-on collision. I was in a payment plan paying off the debt. After the payoff, they raised the car over XXXX from where the debt had been paid down. I have documents to provide. Other companies are reporting duplicate accounts for the same dept. which is inaccurate. I have information reporting over seven years Lastly other companies for which I have never done business are on my report. Negatively reporting information on my credit report.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXX XXXX Owed : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.