davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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: ALLY FINANCIAL INC. (MI)

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. 
They are reporting negative information on these reports. 
15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (FL)

on XXXX i sent a letter regarding inaccurate and unknow things on my credit report.to this day i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes. section 611 ( A ), it is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove these items from my credit report its pushing close to 60 days. so, they should be deleted promptly. i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got onto the hands of the wrong person.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc. (MD)

On XX/XX/XXXX I utilized Remitly to send USD {$2900.00} over to XXXX to be picked up at a bank via cash delivery. When the recipient went to claim the funds, the XXXX  bank told the recipient that the amount they were picking up exceeded the limit of what they were able to receive, which apparently it is USD {$3000.00} This is information that is not clearly disclosed at any point and as a sender we were unaware that the banks in XXXX  had any such limitation. As a consequence of this obscurity, we have had to pay interests on the debt that we were paying off with these funds. We had a very similar issue with a second transaction for USD {$2900.00} that was sent to a different recipient who went to pick up the funds via cash delivery through a different bank. This bank told the recipient that he was only able to get these funds via a check that would take 5 business days to be generated and then he would have to deposit that check into his own bank account. Both transactions had to be canceled and by doing that we ended incurring additional costs. The funds will take up to XXXX business days to make it back to our bank account. Bottom line : the money we sent via Remitly was never delivered because the banks in XXXX never released the funds for reasons that were never disclosed by this company before we initiated the transactions. We called the company several times trying to fix these issues but in the end there was no other solution but to cancel the transactions, wait additional time for our money to make it back to our bank account, incur additional interests and initiate the transactions via a different service.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CT)

Experian XXXX program. XXXX XXXX XXXX is stuck on XXXX. XXXX never moves. Program seems a little shady or better yet disorganized.
Consumer complaint received 2022-08-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (MD)

I broke my leg in XXXX of 2014 and was uninsured ( and I still am uninsured since I am old and retired ). I was on a payment plan for the bill with XXXX for {$50.00} a month which was automatically removed from my account once a month. The plan was disrupted without my knowledge and nothing was ever mailed to me to notify me nor was a called on the phone about the issue. I recently started receiving calls from an XXXX number, which I called back and it is a collections agency called Argon and they said my bill is {$5000.00} and I need to pay it in full. I can not pay this since I am retired and my social security is only {$900.00} which all goes toward my living expenses. I called the hospital and they won't help me. They told me to call the collections agency and work it out with them. No one is willing to help me. What can I do? I don't have any money to pay this large bill and the problem is I don't remember it ever being so high. I was not sent any bills or itemized statements for this so I am at a complete loss as in next steps. Please help me. Thank you!
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

It started back on XXXX when Comenity Bank failed to apply our electronic payment. I called and found out that they had updated their software. And it took them longer the expected. They finally aplied our payment on XX/XX/XXXX. So on XX/XX/XXXX we arranged for our next payment to be made. This payment wasn't apllied until XX/XX/XXXX. Resulting in a late fee being applied to my account. Now I have been on hold for well over an hour waiting for someone from their customer service department to pick up. I shouldn't have to call monthly to fix these problems.
Consumer complaint received 2022-08-03
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. (IL)

Hi I am submitting this 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 XXXX 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 XXXXThis 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 2022-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

XXXX notified me to a change to my credit report in XX/XX/2022. A hard inquiry was requested for an application to a Bank of America card that I did not apply for made. I contacted Bank of American by phone on XX/XX/XXXX and XXXXXXXX XXXX to report the fraudulent application. I was told the inquiry would be removed. 

It is still there as of today and it is affecting my credit score negatively.
Consumer complaint received 2023-03-08
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. (IL)

I did not authorize these creditors access to report to my credit report. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AN # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My property located at XXXX XXXX XXXX XXXX NY XXXX was involved in a fire XX/XX/2019. The Mortgage on the property was held by Rushmore Loan Management ( Account Number XXXX ) The insurance company issued a 2 party check in the amount of {$180000.00} to myself and Rushmore. Rushmore partially paid a few of the submitted bills and others I was told I would be reimbursed which I wasn't. The repairs weren't able to start in a timely fashion because of the covid pandemic stopped the city from issuing permits. Meanwhile I had to pay some of the contractors out of my pocket to obtain blueprints, pay city fines and to clean up the property to avoid accumulating any additional city summones. This was explained to Rushmore but they continued to foreclose on my property resulting in me having to sell it. They said they would issue a check for the balance of the insurance check which I never received. The ILD number on the case is XXXX. Its been almost a year and I have wrote them 6 letters and called numerous times.
Consumer complaint received 2022-08-05
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. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2022-08-03
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: BARCLAYS BANK DELAWARE (TX)

On XX/XX/2022 I requested a {$5000.00}. Balance transfer from my BarclayCard credit card to my checking account. On XX/XX/XXXX I received the {$5000.00} requested amount and was charged a {$250.00} transfer fee. On XX/XX/2022, XXXX reported a duplicate {$5000.00} balance transfer and charged me an additional {$250.00} transfer fee - however, this balance transfer was not requested, nor was the {$5000.00} ever received. I contacted BarclayCard on XX/XX/2022, and they admitted this was an error on their part and informed me that the {$5200.00} would be credited back. On XX/XX/2022, I received a refund for the {$250.00} erroneous transfer fee. On XX/XX/2022 I again contacted Barclay Card regarding the {$5000.00} transfer credit that was not requested, nor was it ever received. I was informed that it would be credited back to my account within 10 days. On XX/XX/2022, I had not received the credit so I once again contacted BarclayCard. I was then told that the refund was in process and that I would receive the credit by the end of the month ( XXXX ). On XX/XX/2022 I once again contacted BarclayCard as I had still not received the {$5000.00} credit to my account. I was informed that someone would call me back within 48hrs and that the credit had still not been issued. It is now XX/XX/2022 and I have not heard back from anyone from BarclayCard nor have I received a credit back to my account. This erroneous balance has been and continues to be reported on my credit report and my most recent statement shows this erroneous balance, and my minimum monthly payment required is reflective of this erroneous balance. BarclayCard has refused thus far to correct their mistake.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  # XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, 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 also please note that the account has the wrong name as well. please find original contract with these company to show the correct names on the account.
Consumer complaint received 2022-08-05
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)

This letter is in response to your response to CFPB with closed complaints with Authorization needed, I have attached my State ID and Utility Bill to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TN)

I had forgotten about this account with SunTrust bank account and it accrued {$390.00} in overdraft fees. When Truist took over the bank I went into my branch and paid it off via cashiers check on XX/XX/2022. It never changed on my credit report. I went back into the branch in XXXX of XXXX  and inquired about it. They told me that the cashiers check had cleared on the XXXX of XXXX and was posted to my account on the XXXX and gave me a letter stating this and told me to file an investigation with the credit agencies. Which I did. However, Truist instead reported that the amount was not paid and still had the {$390.00} outstanding balance. Which in turn caused my credit score to drop XXXX points. I would like them to rectify this immediately.
Consumer complaint received 2022-08-05
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. (GA)

On XX/XX/2022, the credit reporting agency, Experian, furnished information in regards to an account with XXXX XXXX XXXX without my written consent in violation of Title 15 U.S.C. 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report in accordance with written instruction from the consumer which who it relates. Experian assumed the vital role in assembling and evaluating consumer credit according to Congress 's findings pursuant to 15 U.S.C. 1681 ( A ) ( 3 ). Experian did not exercise their grave responsibilities with fairness, impartiality, and respect for my privacy in violation of Title 15 section 1681 ( A ) ( 4 ). I am demanding that they remove this unapproved report off of my consumer report immediately.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.