davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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: Grain Technology, Inc. (TX)

Grain Technology. Grain provides a revolving line of credit that you can access through your existing debit card without issuing a card. This approach empowers you to use what you need for your day-to-day, builds good credit in the process and ultimately, gives you more ownership over your credit. 

What this company does not tell you is, how they are keeping personal information and not allowing you to pay your credit bill. This company has kept over 100 people personal information including, SSN, Addresses, DOB, Bank Accts and most of all dropping individuals credits tremendously. I have requested to make a payment to this company & I was blocked. Grain will kick people out of the system by unlinking the bank accts to make payments and drop the customer 's credit point. I was able to reach my 700s and Grain has dropped my credit to 500s. I am in emotional distress. I have tried to talk with serval people to look into this matter. This is one company that does not need to go any further in life. Lying to people just to make living bad. I have a growing business and tried to apply for a XXXX XXXX and was advised of what Grain has did. I am not unable to have a business credit due to this matter also. Please look up this company. Taking people information and blocking people to have access to their personal life information is the worst a company can do. Compromised my personal information! 

I have been locked out of my acct for 6 months. This company continues to report missed payments. This company will block you and have your credit score drop, DUE TO THEIR LIES!!! 

I believe that the company will retaliate against me for submitting
Consumer complaint received 2022-06-21
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. (LA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ND)

Experian is not generating my credit score. I have a credit history from XXXX but Experian does not have that information except for one credit record, which was already closed in XXXX. I talked with the credit lender company to make sure they are sending the monthly report to Experian, and they said they send it every month. I called Experian around 15 to 20 times to solve this issue and I knew they have an error in the last name, I have asked them to correct the error and make the last name as per legal documents but they said their database does not support the space in my last name and removed that space. To solve this issue I have called a lot of times. Because of this, I am in great trouble and lender are rejecting my loan, and even it's very difficult to get an apartment for rent. Experian is not solving the issue. I have my credit score with XXXX and XXXX above 700 and do not have the name issue I mentioned. Due to an error in the last name in the Experian credit file, they are not accepting any credit reports from a creditor who sends a report with a legal name ( with space ).
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Synovus Bank (CA)

My credit reports show the agencies are reporting a bankruptcy with inaccurate information wrong dates and filings that appears under my name the account is outside of the bankruptcy when should be included in the filling the courts have confirmed they have given no agency the right to post this information in my file.
Consumer complaint received 2022-06-20
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. (MI)

THIS ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX  DISABLITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION PLEASE.
Consumer complaint received 2022-06-20
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

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



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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 2023-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

Debit card deducted funds out of the account. But the transaction would not post for 4-5 days. On top of other charges added on from purchases and all of them not posting for days then I would be hit with ridiculous amounts of overdraft fees and for each transaction. 

Secured credit card was opened then later closed as the entire account was closed due to overdraft fees on both accounts. The Wells Fargo account was closed. In XX/XX/2018, I paid the entire balance off and was told it would take a few months to disappear off of my credit score. It is still there.
Consumer complaint received 2024-08-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (IL)

Name : XXXX XXXX The company XXXX Radius Global Solutions LLC ) didn't respond to my request. I gave them 30 days to provide a validation of debt, but they failed to do so. They also haven't responded to any of my queries via email or calls. 

My sensitive private information is being shared without my permission. These companies are being very irresponsible with personal info of consumers. In this era, data breach and identity theft have become very common and it gives them all the more reason to be extra cautious. But they are failing to do so and they have violated my rights.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit 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 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XX/XX/XXXX, I tried contacting XXXX XXXX credit numerous times in regard to suspicious activity and some charges on my account. There was no way to get ahold of them. I tried via telephone, online messaging, and email. Nothing worked and no one contacted me. As a result and for fear of my account being compromised, I put a payment block on XXXX until I was able to speak to someone. I spent over 5 hours on the phone on multiple occasions to no avail. In XXXX of XXXX, without prior warning, I was notified that XXXX was closing my account. I had still made payments through their online system, however since my automatic payments were cancelled, due to suspected fraud, they closed my account. They sent me a notice stating this and my credit agency notified me that the account was closed with a XXXX balance. Because the account was closed by the bank, this adversely affected my credit report. I verified with my credit agency that the account had been closed with a XXXX balance, sent a letter to XXXX informing them I was told I did not owe any money after they closed the account. After a dispute, the credit agency ruled in my favor and removed the negative remark from my account. Now, four months later, XXXX is back demanding payment via collection calls and they have once again filed a negative remark despite this having been settled. This is a violation of my rights and I am sick of being harassed by them. I want this to stop and I want my credit report restored to good standing. Maybe XXXX should focus on responding to fraud investigations and customer complaints more proactively so they dont have to violate consumer rights due to their own mismanagement.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

XXXX payroll/accounting firm authorized a fraudulent payment ( payroll deduction ) of {$4900.00} from my business checking bank account at Wells Fargo on XX/XX/2022. 

I saw a payroll being processed which was my normal amount and did not think it was unusual. After a couple of days, it had not appeared in my account. I notified XXXX and learned someone requested payment from me with a W9 from a fraudulent email. 

I asked them to stop payment and it was not me who requested this. They replied they could not and it was now up to Wells Fargo to reimburse me for the funds. 

I contacted Wells Fargo and filed a fraud report which was declined because it was past 24hrs to report it. Also filed a complaint about that reason. 

I spoke with the AG in Nevada. On XX/XX/XXXX, they gave me this website to file a complaint here.
Consumer complaint received 2022-06-21
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, and XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-05-27
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. (IA)

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

I told Experian, XXXX and XXXX to reinvestigate these accounts : Account : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. See ATTACHED
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (FL)

Signed a XXXX lease at an apartment complex in XXXX of XXXX. Since the date of move in, I was living in a moldy apartment with visible mold, and a water leak. I reached out to the office numerous times about the issue. It was never fixed. I paid all of my rent during the months that I lived there. I vacated and terminated my lease on XX/XX/XXXX. All rent was paid up to the point and there was no balance on the account. My room mate and I paid thousands living in a hotel because we couldn't live in the apartment anymore. 
Here 's a brief timeline of what happened. 

XX/XX/XXXX I put in an emergency maintaining request to address the leaking pipe and mold. 
It wasnt taken care of. 
XX/XX/XXXX I put in another emergency request. 
XX/XX/XXXX I got an email stating it was resolved. 
I replied back and let them know that it wasnt resolved. 
On XX/XX/XXXX I spoke to a manager and they said itll be fixed that day.

It was marked as complete. However, there is still mold and a leaking pipe.

I reached out to the complex manager and she insisted that I must pay the termination fee. However, in the contract, it states, " Promptly notify us in writing about any signs of water leaks, water infiltration or mold. We will respond in accordance with state law and the Lease Contract to repair or remedy the situation, as necessary. '' For the record, the office was notified numerous times. 

It also states, " If we believe that fire, catastrophic damage, extermination issues, mold and mildew or any habitability issues whatsoever is substantial, or that performance of needed repairs poses a danger to you, we may terminate this Lease Contract within a reasonable time by giving you a written notice. '' With that being said, XXXX XXXX, the Assistant Community Manager, insisted I pay the termination fee. I didn't pay it because of the negligence on part of the management and service team. If the issue was resolved promptly the first time, or second time, or maybe even the third time, I wouldn't have moved out. I was paying rent for a place I was not even living in. 

I emptied the apartment and cleaned it, and sent in my keys.
Consumer complaint received 2022-12-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-11
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. (DC)

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, EXPERIAN, XXXX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 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, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-01-13
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. (OH)

My office was closed most of XXXX and XXXX due to Covid-19. Because of this, I was not able to work. I was working in the financial services industry, which relied on in-person meetings with business owners and their employees. I was forced to quit in XXXX because they took my salary away. I contacted XXXX XXXXXXXX XXXX, XXXX, and XXXX to let them know that I was affected by the pandemic and would not meet my obligations in XXXX. I asked if I could skip the XXXX payment, which I would catch up on in XXXX when I received my income tax return. But because these accounts were closed by me due to financial hardship, they would not allow me to do so and reported it to all three credit bureaus. The Cares act protects consumers and requires furnishers who call with a Coronavirus complaint to note current accounts. I was discriminated against because I faithfully paid what I owed to the credit card companies. Before XXXX of XXXX, I had never had a delinquent payment in my XXXXyear credit history. Instead of allowing this money to get charged off, I agreed to pay them because it was the right thing to do. Because of these four past due payments, my credit score has dropped over XXXX points. I will not be able to buy a house or a car. In addition to calling the credit bureaus, I wrote goodwill letters to no avail. I disputed the reports to all credit reporting agencies, also to no avail. 
I am a single parent whose ex-husband is a convicted fleeing felon, whom I have had no contact with since XX/XX/XXXX. I have two children. My daughter has XXXX, in which she continues to have multiple follow-up appointments out of state. My son has XXXX, which he was XXXX  for when I had the first financial hardship. I do not get XXXX XXXXXXXX and have no family to help me. I used credit cards to help me take care of my children. 
I would like for these credit bureaus to remove all four delinquent payments from these three banking institutions. Please help!