davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting 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. (MN)

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX XXXX  which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Today, XXXX. XXXX, 2023, I received a text message stating that my credit account was limited due to unusual activity. I have been on vacation and have used my card a lot, so I believed that this was legitimate. The message provided a link to a website, which asked for private information, such as mothers maiden name, Social Security #, which I provided. 
After this, I called the bank to explain what had happened. The fraud department was able to cancel and replace my cards and refer me to this Gov. website.
Consumer complaint received 2023-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

Noticed three items on credit report for Midland Credit Management- I have never opened an account with Midland Credit Management, that they are saying I opened these account XX/XX/2022, XX/XX/2022 and XX/XX/2022. Did try disputing with credit bureaus - no luck.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I AM A VICTIM OF IDENTITY THEFT FROM XXXX XXXX BREACH! 
1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Consumer complaint received 2024-06-27
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

On XX/XX/year> Pay Pal demanded that I pay off fraudulent charges before I could close my account. They have allowed several charges, unauthorized by me, to my account. When I have asked them repeatedly to close my account, they refuse to and still want me to pay for charges I did not make or authorize. They have proceeded to take money from other cards and my personal checking account. Not allowing me to close my account allows them to continually bill unauthorized charges. They have thus aided in fraud and ruin my credit rating.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

I went to XXXX store and originally purchased items totaling {$100.00} in XXXX of XXXX. The bill was charged to an in store credit card comenity-XXXX  but I was unable to pay my bill online as website was not working. I did call to try to get assistance to pay for online and was told my only 2 options were to write a paper check and mail, or go into the store and pay. As I live 2 counties away from store, I asked for full balance and wrote a check for {$170.00}. XXXX even though the interest was obviously ridiculous just to clear it. They note this payment on XX/XX/XXXX. I told them at this time to cancel my account. They continued to bill me and harass me for continued late fees and interest, I finally sent them another check for {$100.00} which they note they received on XX/XX/XXXX just to get them off my back. Again I told them to cancel my account in writing with that payment. Now they are trying to bill me an additional {$210.00} for more late fees and interest. I have already paid over double what I charged but they keep charging late fees and interest even though the bill was paid over a year ago.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.
Consumer complaint received 2024-07-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I have a high yield savings account with this company and have had it for over a year. I tried to initiate a transfer from that account to one my my checking accounts at another bank ( the same account from which I transfer money to the savings account ). The transfer was reversed and I received no notice of this. When I messaged an agent last week to ask why the transfer did not go through, I was told that it takes 3 business days and to wait until Monday. On Monday the transfer still hasnt gone through and after calling I was told the transfer was reversed the very next day after I initiated it and there was a hold on my account- so the person who told me to wait until Monday wasted my time and was incorrect.

I spent nearly 2 hours of my day trying to understand why my transfer was reversed and was never given an answer. I was told that the number the institution has on file ( which was the same number I was using to call them ) couldnt authenticate my identity- this is despite giving name my correct name, date of birth, security word, and prior address. I was told someone would call me back to authenticate me but no one did. So I called again and went through the same process again. The last thing I was told was that they would not help me over the phone as I had been told they would and someone from the security department would contact me. My funds are being held and have been held for over a week and no one has told me why. No one calls me back when they say they will ( or at all ) and I am afraid I will not have access to my money.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The generally accepted accounting principles ( GAAP ) are a set of accounting rules, standards, and procedures issued and frequently revised by the Financial Accounting Standards Board ( FASB ) and the Governmental Accounting Standards Board ( GASB ).

There are five steps needed to satisfy the updated revenue recognition principle : The five steps needed to satisfy the updated revenue recognition principle are : ( 1 ) identify the contract with the customer ; ( 2 ) identify contractual performance obligations ; ( 3 ) determine the amount of consideration/price for the transaction ; ( 4 ) allocate the determined amount of consideration/price to the contractual obligations ; and ( 5 ) recognize revenue when the performing party satisfies the performance obligation.

3 Association of International Certified Professional Accountants. " Financial Reporting Brief : Roadmap to Understanding the New Revenue Recognition Standards. '' Page 2.GAAP is also utilized by government entities. All 50 states follow GAAP, and many local entities, such as counties, cities, towns, and school districts, must adhere to these principles.

3 Financial Accounting Foundation. " GAAP and State and Local Governments. " If a corporation 's stock is publicly traded, its financial statements must follow rules set by the U.S. Securities and Exchange Commission ( SEC ). The SEC mandates that publicly traded companies in the U.S. file GAAP-compliant financial statements regularly to maintain their public listing on stock exchanges.

4 U.S. Securities and Exchange Commission. " Regulation S-K. '' The ordinal creditor did not send a form 1099-C, for Cancellation of Debt showing the amount canceled and date of cancellation for IRS tax purposes. 

There are legal violations with my case that was presented during the hearing and the paperwork that was provided from the attorney in my case. I requested information that I never received and the trail was unlawful. I was never provided the legal contract agreement with this company or any financial accounting recorded.
Consumer complaint received 2024-01-18
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. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX  Ive obtain my credit report and notice numerous inquiries and an account thats on my credit file that i didnt apply for ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX I also contacted the credit bureaus about this matter which is affecting my credit worthiness.
Consumer complaint received 2023-03-16
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. (WV)

Transunion shows three hard inquiries that are not mine shown listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-01-18
Product: Credit reporting 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)

This information is very wrong, I do not recognize that it is mine, I have many problems to also have this, I want them to delete everything that is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-07-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

XXXX XXXX XXXX full class member Borrower Defense to Repayment Applicant number : XXXX ( full discharge date - XX/XX/XXXX ) Navient School Misconduct Application acceptance and discharge - XX/XX/XXXX I am formally requesting, as per the FTC Holder in Due Course law, a refund of all principle and interest paid on the three private Navient College Advantage Loans. These loans were XXXX on XX/XX/XXXX due to the School Misconduct of XXXX XXXX XXXX and, as per the FTC Holder Rule, I am eligible as the consumer to a refund of all monies paid under this contract. This totals, for the three XXXX XXXX loans, a total of {$96000.00} for all payments toward the original principle as well as all interest incurred and paid for during the contract held by Navient. As stated in the FTC Holder Rule, Navient is responsible by law to refund those monies to me upon my request. To date, Navient has only offered a one month refund of {$850.00}, which is not sufficient to the harms incurred by this illicit contract. As my School Misconduct application and Borrower Defense to Repayment applications have both been approved, this shows that the evidence I have in my possession more than proves the misconduct of my school, including specific proof of tax fraud by XXXX. As the current holder of the contract when it was discharged, Navient is now responsible for the full refund.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I Applied for XXXX XXXX XXXX XXXX  and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time. 
Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from Experian and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. 


VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ). 

The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.

Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to dispute the following inaccurate items that are on my credit report i previously sent letter to XXXX TransUnion XXXX and they have not acknowladged my despute TransUnion XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} DEPT OF EDXXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX OF XXXX XX/XX/year> Acct : XXXX {$9700.00} DEPT OF ED/XXXX XX/XX/year> XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$6000.00} U S DEPT OF EDXXXX XX/XX/year> Acct : XXXX {$9700.00}
Consumer complaint received 2024-06-30
Product: Credit 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: WELLS FARGO & COMPANY (AZ)

On XX/XX/year>, I was charged {$92.00} for the " XXXX XXXX XXXX Star Legend Clipper with Ultimate Wide Range Fading for Professional Barbers and Stylists. '' The item arrived damaged and defective. I contacted XXXX on XX/XX/year>, and was instructed to keep the product. I was also emailed that I would be refunded {$87.00} for the product plus {$4.00} in taxes, totaling {$92.00}. However, I did not receive the promised refund. 

I filed a dispute through WellsFargo.com on XX/XX/year> and provided a copy of my email confirmation from XXXX indicating that I would be refunded a total amount of {$92.00}. I answered every question emailed to me by Wells Fargo XXXX, but my dispute claim was denied and closed with no explanation. 

I have emailed Wells Fargo several times at the provided address ( XXXX ) but have not heard back from anyone. I also called Wells Fargo Disputes at XXXX multiple times and was connected with agents in the XXXX. I attempted to explain my situation to them, but due to language barriers, they often did not understand, and I had to re-explain the issue multiple times. When I realized there was a language barrier, I asked where I was calling, and they confirmed it was the XXXX. I then politely requested to speak with a XXXX agent but was met with pushback. They informed me that their protocol was to transfer me to a XXXX, and they refused to transfer me to a XXXX representative. 

The last time I attempted to resolve this situation with Wells Fargo was on XX/XX/year> at XXXX A.M. MST, and I encountered the same issue with a representative in the XXXX. I believe this should be an easy dispute to resolve. There was XXXX charge on XX/XX/year> for {$92.00}, and I have an email confirmation from XXXX stating they would credit me back {$92.00}. However, I did not receive the refund. 

This is not a complicated dispute, but the hurdles of speaking with offshore representatives in a different country who do not understand the situation are creating significant barriers. I have done my due diligence by emailing several times and attempting to explain the situation to representatives in the XXXX, but I am getting nowhere.
Consumer complaint received 2024-01-18
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. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed with the 3-consumer reporting agencies are not reporting my tradelines like they are supposed to. I noticed that they haven't reported since XX/XX/2023. I called all of my credit card company, and I was told that they are reporting to the 3-consumer reporting agency. They are not responsible when the consumer reporting agency report the tradeline.