davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-03
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AR)

- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. 

- On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. 

- My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.
Consumer complaint received 2022-08-18
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/17 Balance {$4400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-28
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. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly REMOVE OR DELETE this information which can not be verified. XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX ; {$0.00}.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Remex, Inc. (FL)

1. Received free annual credit report on XX/XX/XXXX. ( XXXX, XXXX XXXX XXXX ) 2. Saw medical debt being reported by " Remex , Inc. '' for the total sum on {$510.00}. 
3. Debt is not mine nor have I ever resided at company reported address attached to Remex , Inc reported debt. 
4. Sent Remex XXXX Inc. Certified Debt Validation letter on XX/XX/XXXX. 
5. Asked company to ( a ) provide documentation baring my signature ( b ) original documents with dates of services rendered and ( c ) ALL information they obtained to verify that this debt was indeed belonging to me. 
5. Remex , Inc responded with their company typed transcripts of supposed services received and dates. They failed to provide any of the requested information in the original debt validation letter. 
6. Sent Remex, Inc Certified Failure to validate letter on XX/XX/XXXX. 
7. In Failure to validate letter I outlined how Remex, Inc were violating several of my consumer rights according to the FDCPA & FCRA. 
8. Filing a CFPB complaint. I would like invalid debt immediately removed.
Consumer complaint received 2023-03-24
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX a dispute letter was sent out, highlighted in red multiple inaccuracies. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (IN)

First progress on 2 different occasions have posted that my balance has decreased meaning it is paid but both times have resulted in my credit score going down. XX/XX/XXXX shows negative XXXX points and that my balance decreased by XXXX. I paid that on time ahead of time and they can't tell me why my score went down. I checked XXXX today and noticed my score went down XXXX more points they told me it was for a XXXX dollar payment which I paid XXXX to take care of with another charge ahead of time. They don't have an answer why on that either. They don't take emails and want me to mail in my bank statements to show that I paid on time even though in their system they only have me with XXXX late payment ever. I'm building my credit score and the only negative impacts I've been having is from firat progress after making an on time payment.
Consumer complaint received 2021-05-05
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. (GA)

Experian will not allow me to retrieve my security PIN online via their website, nor unfreeze online. Even their phone representatives will not allow asking knowledge based questions to ask for a new pin to be mailed out. 

I am moving in a few weeks, and the freeze needs to be removed to start electricity services. Therefore, I will be homeless and without a place to stay. 

It is unacceptable to mail sensitive documents during a global pandemic. They refuse to allow another method to send VERY sensitive documents. 

XXXX the agent I spoke with on XX/XX/XXXX at XXXX XXXX  EST denied providing any reasonable callback situation timeframe. She lied stating they would call back " standard time '' which is not a US timezone. She refused to clarify the situation with anyone. She also could not provide any other information for identifiers.
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (TX)

This is my 2nd and final attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB on XX/XX/21. Any further attempts will include additional complaints to thXXXX XXXX FTC as well as my States Attorney General. 

The date of my first letter was XXXX. I sent a letter regarding inaccurate and unknown things on my credit report. 

I feel that you questioning if my complaint was sent by me or not is an attempt to get around the rules set out by the FCRA in section 611 ( a ) ( b ) ( c ). 

I demand the accounts in question be deleted immediately or I will file for a litigation due to the XXXXl and emotions XXXX you have caused me. This matter has effect my XXXX and XXXX  wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the XXXX data breach.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Equifax will not provide me with my free annual credit report. They say my infomration doesnt exist in their database, and ask for me to update my info by faxing, or mailing them my information. I have done both and waited several months and they have done nothing to fix their error. I need your help in intervening and telling them to do their job and help
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: ADP Inc. (IL)

I started working at XXXX department store located at XXXX XXXX XXXX XXXX, IL XXXX operated by XXXX XXXX. I started work with them XX/XX/2021 and because I was only XXXX I opted to use the Wisely ADP payroll card. They initially sent the prepaid card to the wrong address. After multiple calls from the XXXX XXXX, XXXX HR and also me we were able to update and fix the address. At this point 4 weeks of paychecks had been deposited into my account and I was owed {$470.00}. Every single card they would send to me, once activated was showing {$0.00} and it seemed not to be connected to the XXXX account. My mother spoke with the customer service numerous times and they would repeat the same verbiage and we could never get any help. Also, the Store Manager of the XXXX store along with HR for XXXX have tried multiple times to get this resolved. It has now been a year and I have yet to receive my funds and when I've contacted XXXX they just put it on Wisely ADP. The store managers name is XXXX XXXX. I would like to be made right for this money owed as I did work the hours. XXXX can confirm that I worked all hours and I am still owed {$470.00}. Please help me resolve this issue. Thank you
Consumer complaint received 2021-05-05
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: Experian Information Solutions Inc. (PA)

The is a new inquiry on my XXXX  and XXXX credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.
Consumer complaint received 2021-05-05
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. (OH)

The bureaus are reporting two collection that should not be on there. There is no money owed whatsoever. They agreed to delete once they have been paid and they have been paid.
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: EQUIFAX, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX BANK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX OF Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Inquiry date ; XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX CABLE Account number XXXX XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MAIL C XXXX, GA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry date : XX/XX/XXXX SERVICE FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUITE XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX XXXX XXXX po box XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I was purchasing a software which was never delivered by the seller and they kept requesting funds to actually deliver. I called my bank in attempt to cancel the pending transaction which they would not do anything until is posted. Once it posted they gave me no assistance to dispute my funds. Ive been a member of this bank for almost 10 years and was very disappointed that they would not help me. 

It happened on XX/XX/2021 to XXXX XXXX and i have written documentation that the product was never delivered. A payment of {$350.00} was sent then to register the product the seller requested {$210.00} and that was sent. Nothing ever came out of it and I should have some sort of protection for my funds. Its not fair for people just to steal your money and get away especially since your funds should be backed by your financial institution. I am requesting a credit of some sort or a full refund.