davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

I recently had 2 companies XXXX XXXX  XXXX XXXX & Discover ) send me a letter and a call to my mobile stating that my application was denied. I already have a closed account with XXXX XXXX XXXX  and never had one with Discover. I was not in the process of getting new cards or accounts with either 2 companies. I checked my credit report company and there were no inquiries on these 2 or any other companies that I am aware of.
Consumer complaint received 2021-12-09
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. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC 1681b ( a ), I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ), Transunion is liable for damages due to non-compliance and shall compensate me for {$1000.00} per inquiry.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

I applied for a discover student card approximately XX/XX/XXXX of XXXX. Being somewhat financially stable with a steady flow of income and being high school student in my senior year it seemed like a great card to apply for and I was ultimately approved. I received an email on XX/XX/2022 informing me that my discover card application was approved and that the card would be sent to me soon. I received the card on XX/XX/2022 and activated it the same day. Upon attempting to use my card later that same day, I found that it would decline on any transaction I tried to use it on. I had initially believed that it was still in the process of being activated so I didnt give it much thought and decided to try again another day. Upon attempting to use it again a day or so later, the card continued to decline. After dealing with the frustration, I gave Discover a call to try and find out the source of the issue. In my phone call I was informed that they were in the process of reviewing my information and they would inform me when my card was ready to use which I found odd because the emails I had received led me to believe that the card was already ready to be used. I was not informed of exactly what information they needed to verify nor would they disclose more information with me. I decided that I would wait for their notice that I can use the card and that was the only option, so I waited until I received a notice that my account had been closed on XX/XX/2022. The notice I had received informed me that they couldnt verify my personal information ( Which was seemingly not an issue before they opened the account and sent me the card as well as let me activate it online ) and that they would report that the account was closed by the creditor. This upset me quite a bit as I took a hit on my credit report. At the time of the account being closed I thought that was that and that nothing else could be done about it. After learning about this agency I decided to see if anything could be done to rectify this issue I have faced.
Consumer complaint received 2022-08-22
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. (NY)

On XXXX XXXXXXXX XXXX I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. 
Please delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regards to this matter. 
Your cooperation is greatly appreciated.
Consumer complaint received 2021-12-09
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. (OH)

XXXX XXXXXXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These TWO ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (MN)

I opened a Premier checking account with BMO Harris on XX/XX/2021 through a promotional campaign BMO had on their website. The promotion was for a {$400.00} account opening bonus if the consumer completed the following conditions : a ) setup a direct deposit with BMO, b ) deposit {$7500.00} or more within 90 days. 

Despite meeting these conditions, I never received my account opening bonus. This XXXX, I called BMO Harris several times at XXXX to follow up. Each time I called, there was a 20 min wait to even get to a customer service rep. Even after getting to the rep, I was bounced around to various departments - everything from sales to servicing. After the third call, I finally got to an agent who could look into my file.

BMO claimed that when I went through their online application, the " promo code '' was not filled in. I explained to them that I applied through a promotion they ran directly on their website. I did not see any promo code requirement nor did I see a place to enter a promo code on their online application. Furthermore, I asked them even if there was a promo code, why wasn't it pre-populated on the form for the consumer especially when I applied through BMO 's promotion advertisement directly?

Finally, since this was their " Premier '' account, BMO charges a monthly service fee if the account balance is not at least {$25000.00}. I was actually charged these fees for several months because my balance was under {$25000.00}. 

I am filing this compliant because I feel BMO ran a very deceptive ad campaign. Given how messy this whole experience was, I suspect other consumers have also incurred financial loss.
Consumer complaint received 2021-10-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On the date of XX/XX/XXXX I contacted Transunion about the unverifiable accounts addresses and inquires pertaining to invalid and unauthorized information being reported by information being reported on my credit report. it has been over 30days since I have submitted my dispute and I have heard or seen any progress in an investigation
Consumer complaint received 2021-10-19
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. (MI)

I have contacted XXXX, XXXX and Experian regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Consumer complaint received 2022-06-14
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. (GA)

I am a victim of identity theft. The below companies have fraudulent accounts on my credit profile that need to be removed immediately. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX Bank Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Consumer complaint received 2022-09-24
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. (TX)

This complaint is to inform the CFPB that as of today, Transunion has been willfully unresponsive to my requests in regards to sending proof of consent for the following accounts : XXXX XXXX XXXXXXXX XXXX Account number XXXX and XXXX XXXX. XXXX  account number XXXX, Due to the remarkable amount of data breach with consumer reporting agencies, I see it necessary to exercising my right under the Gramm Leach Bliley Act which requires financial institutions or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and to safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing policies, including what information it collects and with whom it shares the information. The law also states that a privacy notice must be provided when a costumer relationship is established, and annually thereafter. unless the financial institution does not engage in any sharing for which costumers have the right to opt out and there have been no changes in previous policy notice They were unresponsive to my request on XX/XX/22 number XXXX and a follow up complaint submitted on XX/XX/22 number XXXX.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have contacted XXXX, Equifax and XXXX regarding this debt that has been paid. They continue to give me the run around and not update this negative information. I have mailed letter after letter and nothing
Consumer complaint received 2021-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

I opened a savings account with Marcus by Goldman Sachs, after a few weeks I tried to do withdrawal and I couldn't, after a few tries and after multiple calls to costumer service they closed my account without telling me the reason, it seems like they are entitle to not share that informations, even if its your own account. 
It's been 3 weeks since I called, and still haven't received my {$350.00} dollars that it was in my account, I've been calling every week since, and they keep telling me that they don't know how long os going to take to get my money back. 
They don't just closed my account without reason, but also they are retaining my money and not giving me any information about it.
Consumer complaint received 2021-12-09
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. (IL)

I recently checked my credit report and noticed there were student loans on my report that I did not authorize. I have never applied for a student loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to Experian, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All 3 of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Consumer complaint received 2021-12-09
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. (IL)

I recently checked my credit report and noticed there were XXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, Transunion, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account is reporting as a charge off.And I would like to have it removed from all three credit bureaus. Its been XXXX  years from the first date of delinquency. Per XXXX XXXX account should been removed off the credit it XX/XX/XXXX. Ive disputed this account through XXXX, XXXX and XXXX however it still remains on my credit report. Ive worked with XXXX XXXX XXXX in XXXX and have been working with XXXX XXXX to have this delinquency removed from my credit report. Escalations letters have been sent to XXXX finance company as well as the XXXX credit bureaus and have not heard anything. Please help me removing this account from my credit report
Consumer complaint received 2022-09-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Safe Financial Group LLC (FL)

The company sent me a letter advising that legal actions were to be taken if payment is not received by the XXXX of XXXX. 

Despite the letter, they are still trying to contact me by contacting people that I am friends with via social media, they have given this people all the info of my debt, and are now harassing this people. 

My friend, XXXX XXXX, is now receiving repeated communications from this office, and was given all the info regarding my debt.
Consumer complaint received 2022-09-24
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 have been denied twice because the credit bureau has incorrect information regarding my total debt owed. My mortgage company, XXXX XXXX has denied my request for loan I requested. I do not XXXX in debt. My person loans were paid off and I have no auto loans, those loans were paid off also, which the credit bureau failed to report. I am requesting the mortgage company to reconsider my request.
Consumer complaint received 2021-10-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC (DE)

I received a letter on XX/XX/XXXX from a debt collector dated XX/XX/XXXX for medical credit I did not sign up for. I requested validation when I was looking over my recent credit report. The letter also contains the statement they are resuming credit reporting. 
The original creditor XXXX XXXX XXXX never informed me prior to forwarding/selling the alleged debt to OMEGA RMS , LLC XXXX XXXX XXXX XXXX, MO XXXX XXXX debt collections agency. There was a charged interest amount totaling {$640.00} on top of the alleged debt of {$800.00} while the debt collection agency was in possession of said alleged debt. OMEGA RMS has not contacted me until I requested validation of the said alleged debt. Upon receipt of this letter it shows a debt origination date with the original creditor of XX/XX/XXXX with the first payment being auto-drafted from my checking account on XX/XX/XXXX. The signature the document bears is not my signature. I do not know how the original creditor obtained my checking account information and can charge me for credit I did not sign up for. I also looked up my states statute of limitations on medical debt ( 6 years ) and credit debt ( 3 years ) with that being said this alleged debt is not mine as well as beyond Delaware statute of limitations as it is over 7 years old. This alleged debt or publication of alleged late payments was not listed on my credit report the year I purchased my home 3 years after the origination of the application not bearing my signature but signed by someone else.
Consumer complaint received 2021-12-09
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am XXXX XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party. 
I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor. I have been negative information being reported by TRANSUNION XXXX XXXX XXXX. as of XX/XX/2021 they removed the disputed items which is XXXX # XXXX and XXXX XXXX # XXXX. I was notified of this transgression of my rights specifically 12 C.F.R 1006.6 ( d ) ( 2 ) of the FDCPA. According to 15 US code 1692 ( c ) ( a ) TRANSUNION XXXX XXXX XXXX, adverse actions against me violating my rights of which civil damages pursuant to 15 US code 1692 ( k ) damages are up to {$1000.00} per violation, pursuant to 15 US code 1611 ( 1 ) damages are up to {$5000.00}. TRANSUNION XXXX XXXX  is now civilly liable to pay me up to {$12000.00} for damages.
Consumer complaint received 2021-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  Date Updated : XX/XX/XXXX
Consumer complaint received 2022-09-24
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. (AZ)

In accordance with Fair Credit Report. This List of accounts below has violated my federally protected right to privacy under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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 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 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 2022-09-24
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)

XXXX, XXXX, and Experian reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.
Consumer complaint received 2022-09-24
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. (PA)

XXXX, Transunion, and XXXX reported falsified information to my credit report about my XXXX account being late on the months of XXXX and XXXX. I've sent all companies documentation of correct info and payment history, and even current balances. So what I do not understand is why do they report inaccurate information and then tell me 30 days for an investigation when I have proof from the actual creditor and they have said I've never been late on a payment these guys have messed up my score and cost me to lose my 700+ credit score this has taken a financial and housing hardship on me because my information was tainted with and now it's cost me a lot please start making them report verifiable, and accurate information. They do not follow their own compliance procedure when it comes to investigations or when receiving actual proof of documentation from the consumer.