davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2021-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently checked my FICO score through my bank and I noticed that my score is about 670 which falls under fair. I have been on time on all my payments for the past 8 years and last year I paid off 7 different student loan accounts, I also have a public record ( bankruptcy, XX/XX/XXXX ). So I decided to check with all three credit reporting agencies to find the issues that were negatively affecting my credit score. 
My credit score at XXXX  was XXXX, at XXXX, XXXX and at TransUnion, XXXX  which is lower than the other reporting agencies by more than 100 points. I contacted TransUnion to find out why their score was much lower than XXXX and XXXX which is bringing my over all credit score down. 
After speaking with TransUnion I found out that they did not have my current employer information, they did not have the 7 closed student loan accounts and mentioned my public record is the main issue bringing my score down. 
I understand that I have a bankruptcy on file and that should affect my credit score but after 8 years of being on time on all of my obligations, I think my TransUnion score should at least be in line with other credit reporting agencies. I honestly do not believe an eight year old bankruptcy should lower my TransUnion credit score, more than100 points lower than others. 
This lower FICO score makes it impossible for me and my family to qualify for any home loan and it is costing us a lot more in interest for other loans and credit cards. 
I thank you in advance and hope to hear from you soon.
Consumer complaint received 2023-05-14
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On Sunday, XX/XX/2023 at XXXX Eastern Time I received an email that Bank of America had my online application in progress for their Bank of America XXXX XXXX Banking Account XXXX 

I never submitted an application for this. 

At XXXX Eastern Time I received an email that Bank of America had opened a Bank of America XXXX XXXX Banking Account in my name. 

I reported the fraud to Bank of America 's fraud department via their XXXX email address at XXXX and XXXX the same day for each of the respect emails.
Consumer complaint received 2023-04-27
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. (WI)

Informed them that I have been the victim of fraud. They tell me to contact the people who inquired directly to find out why they pulled my credit, which makes no sense. I told them that after being informed that this is fraud, they are supposed to help me according to all the FCRPA and other consumer laws. I have called numerous times and spoken with many people, they all are giving me the run around and don't know how serious this is. I am asking them to remove all the fraudulent information ( inquiries ) as by the FCRA and that is to remove all incorrect, unauthorized and unverified. from my reports. My bank accounts have been hacked and someone is getting credit cards in my name, and I need help removing these fraudulent inquiries as I continue to try to protect my credit.
Consumer complaint received 2023-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

The following complaint is in response to further issues raised in the prior complaint ( XXXX ). 

My original PayPal account, XXXX, was cancelled despite the fact that I had paid PayPal Mastercard XXXX XXXX XXXX  ) the amount they said was issued to me as additional credit. PayPal, in turn, required that I pay them, but their documentation was so tainted that I only followed what XXXX XXXX offered me because I could see what they had done on paper. However, there was XXXX entry where I queried if it was them who gave me credit, and XXXX XXXX said yes. This problem started with XXXX when I approached PayPal, thus I ended up resolving it with them, XXXX Bank. Any other issues should be resolved between PayPal and XXXX XXXX. 

All I ask is that PayPal restore my original account with XXXX or give me access to PayPal Mastercard in my new account under XXXX.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

XXXX  Check was written and placed in my mailbox made out to XXXX for {$35.00}. 
XXXX  Contacted Wells Fargo about check that was cashed and place in another account for {$4000.00}. 
I informed Wells Fargo that I did not write this check for this amount aor to be deposited in the account on the back of the check. There was no bank stamped on the back of the check. 
I was mailed an affidavit and filled it out and took it to the bank for notarization and delivery to their fraud department. It was not notarized. 
I received another letter for notarizations, filled it out and had it notarized and sent it back to them. 
The check has clearly been altered. The cleared bank name in not on the check. I called them and they can not give me the bank name that cleared the check. They said they would call me within 2 days. It has been 2 days. 
I would appreciate help in getting my money back. 
What statutes cover my banks obligation to refund my money which they have not done. 
Complaint # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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. (TX)

Experian, XXXX, and XXXX are reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender XXXX which was already reporting on my credit report before it was removed. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.
Consumer complaint received 2023-04-24
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. (NY)

Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/23 and XX/XX/23. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NJ)

I am writing to you to make a formal complaint about my experience with Ulta Beauty. I believe that my consumer rights have been violated, and I am seeking a resolution to my problem. 

First and foremost, I would like to address the consumer laws and codes of banking that are in place to protect us from credit card debt. As a consumer, I have the right to fair and transparent terms when it comes to credit card accounts. I feel that Ulta Beauty has not provided me with this level of transparency and fairness. 

Additionally, I am currently not working due to medical issues and have been struggling to keep up with my credit card payments. Despite my efforts to make payments, I have been hit with high interest rates on my closed credit card account, which has only added to my financial struggles.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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. 

Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$2300.00} DATE OPENED XX/XX/XXXX Account Name : DEPT OF EDUCATION/XXXX  # XXXX - BALANCE {$3800.00} DATE OPENED XX/XX/XXXX Account Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the credit bureaus, but they did not remove them, nore prove validation. 

Under Sec. 602 " I have a right to privacy ''.
Consumer complaint received 2023-04-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

BoA notified me of a new device logging in to my accounts, I called within minutes and spent 358 minutes on the phone with them immediately. My accounts were taken over/ hacked & drained by someone I had never heard of. This person also took a cash advance on my credit card then used XXXX to transfer the funds to himself. 
This all started on XXXX. 
In XXXX, BoA FINALLY returned the money that was stolen from my checking & savings accounts, but continue to deny my claim of fraud on the credit card! 
I dont understand how the cc fraud department & the wire transfer dept can not connect the dots! On my bank statement the 2 actions are right together!! Anyway, again claim has been denied. Calls not returned, cant seem to get a supervisor name or number from ANYONE. 
3 times Ive asked them to close my savings account & they tell me that I dont want to do that, now Im being charged for maintenance fees on a XXXX balance account! Please help me!
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank (WI)

XXXX I opened a prepaid credit card and I paid {$200.00} I never received my credit card or statement. I called and they stated the card hasn't been activated and I owed late fees and it was being reported to my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX
Consumer complaint received 2023-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NJ)

Dear XXXX, I am writing to you to lodge a formal complaint regarding my closed credit card account with your company. I am concerned that your company has violated consumer laws and codes of banking that are in place to protect consumers from credit card debt. 

As you are aware, I have been a loyal customer of XXXX for many years and have regularly used my credit card to make purchases. However, due to medical issues, I am currently not working and have been struggling to keep up with my credit card payments. I understand that I have an obligation to pay off my debts, but I believe that XXXX has been acting unfairly by imposing high interest rates on my closed credit card account.
Consumer complaint received 2023-04-20
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. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research.

In accordance with the Fair Reporting Act XXXX XXXX XXXX have 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 2021-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (CO)

Our business has gotten multiple letters and calls from McCarthy, Burgess & Wolff claiming they are attempting to collect a debt owed to XXXX. We contacted XXXX and there is no outstanding amount due to them. This appears to be a scam common with this particular company, as many other people claim they have been contacted about a debt they do not owe.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 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 2023-04-24
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I do not consent to e-OSCAR and want a human to read this complaint. I see that XXXX XXXX was removed from my consumer report by TRANSUNION. TRANSUNION removed this account because of the many disputes I made due to many federal consumer rights violations. This is a NOTICE for GENERAL COUNSEL I will have proof of my claims attached. Also, an invoice will be attached below with the original report marked up showing the violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.
Consumer complaint received 2023-04-24
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. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$750.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MN)

On XX/XX/2021, I requested all my funds be withdrawn from my Coinbase account and be transferred to my bank account. Prior, to this transaction I did not have any problems withdrawing money ; however, this was the first time I withdrew all my funds. A week goes by, and I did not receive a deposit into my bank account. I reached out to Coinbase and via email was told to wait 3-5 business days, check with my bank because it might be holding my funds, etc., and if funds were not deposited to my account at the end of the 3-5 wait period, I was informed I should send documentation of the withdrawal. I waited, and sent the documentation as requested but did not receive any response after a week. I then resubmitted my documentation twice back-to-back and received an email telling me to be patient they will work on finding out what the problem was. I still have not been provided with a disposition or any customer follow up other than a random email that stated the following : Hello, We havent heard back from you regarding this case.

If you still require assistance, please reply to this message. If you no longer need help, we will automatically resolve your case in 48 hours. 

Thanks, Coinbase Support They provided no number or specialist to contact, and I never received any disposition to my initial complaint, nor an acknowledgment when I replied to the link above mentioned. It was as if they were only going through the motions. This company is one of the worst companies I have ever dealt with and I would not recommend they be seriously used for investment purposes. Please look elsewhere before depositing any amount of money with them. They have horrible customer service and basically refuse to return the money, in the same manner, they remove money from your account. This is bad business. The next step will be legal