davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (DE)

During the seven-day period from XX/XX/XXXX to XXXX, the following phone number derived from Comentity Capital Bank placed the following calls : Call logs are attached as exhibit a. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see, this fair exceeds the threshold of harassment in order to collect a debt.
Consumer complaint received 2023-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (FL)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



Open Accounts : XXXX XXXXXXXX XXXX  # XXXX Closed Accounts : XXXX # XXXX -- {$18000.00} XXXX # XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I did a mobile deposit of a paper check from my employer on XX/XX/XXXX. They placed a hold on the deposit that day. On XX/XX/XXXX the bank emailed me stating my deposit hold was released. However, they did not actually release my funds. I called the bank to inquire and they told me the deposit hold was no longer in place but that my funds would not be available until XX/XX/XXXX. For that they didnt it provide a reason.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The account in question pertains to a XXXX vehicle Account number XXXX ( XXXX  XXXX XXXX XXXX  XXXX ), for which I am incorrectly listed as a co-buyer or joint account holder. This account should only be in the business name and a personal guarantor attached to it. 

Please note that when I signed the documents related to this vehicle purchase, I explicitly agreed to act as a personal guarantor, not a co-buyer or joint account holder. I was clearly assured by the finance department that my role as a personal guarantor would not reflect on my credit report.

Nevertheless, upon reviewing my credit report, I found that this account has indeed been listed, which is incorrect according to the terms agreed upon at the time of purchase. I believe this to be a mistake and it may adversely affect my credit score. 

I would like to request a thorough investigation and correction of this error as soon as possible.
Consumer complaint received 2023-10-10
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. (WA)

After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.
Consumer complaint received 2024-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (WA)

I am a XXXX client and have XXXX XXXX XXXX accounts with XXXX. Out of a sudden, I got emails saying that my Zelle accounts, XXXX  addresses and phone numbers are all suspended from using Zelle services. 

I contacted my XXXX XXXX XXXX XXXX which run an investigation and informed me that one of the guys who sent me a fund reported it as a fraud which in fact isn't true. 
I clarified the thing as It was purposely received on behalf of my friend as the fund which he reported as a fraud wasn't his first time transfer but he even sent me around XXXX times before it and all was fine. 

XXXX ran an investigation as It came negative as my accounts with XXXX were released from suspension. 
They informed me to contact Zelle to get my account released with them too. 
When I contacted Zelle, they informed me that XXXX is who suspended your Zelle account. back and forth each side of them says the other side for more than XXXX calls for each side. 

I have recorded their voice calls, I have an official report from XXXX stating the Zelle suspended my emails, phone numbers and accounts. 

I asked to get a brief reply from Zelle for the issue and forward it to XXXX but they ignored my request. 

Not Just that but I even had been informed that Zelle banned me from using their service with any potential XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-10-10
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. (WA)

After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.
Consumer complaint received 2023-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX I sent multiple disputes letters to transunion and call creditors listed to report I retrieved a copy of my credit report and discovered that transunion has a total of 5 inquiries that I have no knowledge of. I asked to do a full complete investigation with a removal of all XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/XXXX I did not authorized any transaction to be made on my credit report
Consumer complaint received 2023-04-30
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. (FL)

Hi I have a few recent inquires on my Experian XXXX report that I dont recognize. Multiple inquires `within days XX/XX/2023, XX/XX/2023, and XX/XX/2023 I reached out to Experian multiple times about an inquires from XX/XX/XXXX and the never replied
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

On the XX/XX/2023 I received a money for my business since im a XXXX XXXX XXXX XXXX. I receive a payment of XXXXXXXX XXXX from my customer. They put the account on hold until now. I cant do any movement on my account
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

This problem is a consequence of Coinbase locking my account for 7 months beginning on XX/XX/2022 while they dragged me through an exhaustive investigation which proved that there had been no need for an investigation. They only unlocked it in XXXX after I filed Complaint XXXX with you. Suddenly, apparently, I was no longer under suspicion. My account contained XXXX of XXXX  XXXX. This past XXXX, while my account was still locked, XXXX did a conversion from XXXX to XXXX. Coinbase announced that it would not participate in the conversion, and instructed clients to withdraw their XXXX to a wallet in advance of the conversion date of XX/XX/XXXX. I was not allowed to withdraw my XXXX  XXXX because Coinbase still had a lock on my account. After it was unlocked in XXXX, I withdrew my XXXX  and contacted XXXX  to convert it. They said it was too late and that, on the conversion date, they sent enough XXXX  XXXX to Coinbase to convert all shares of XXXX  XXXX that were still located in Coinbase accounts. So I redeposited my XXXX  into my Coinbase account and contacted Coinbase several times trying to resolve this. As of XX/XX/XXXX, my XXXX  were worth {$4200.00}. I requested Coinbase to convert my XXXX to XXXX, or to deposit {$4200.00} into my Coinbase account " since this entire snafu was caused by your locking my account and keeping it locked for seven months despite my sending you extensive financial information throughout that period. ''
Consumer complaint received 2023-10-10
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)

I never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account : XXXX  acct # XXXX
Consumer complaint received 2018-05-06
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. (IA)

I'm XX/XX/XXXX I pulled a copy of my report and found several accounts that I had no recollection of. I have sent letters out to the credit agency 's since XX/XX/XXXX until XX/XX/XXXX. Each time they state it's verified with no info as to the verification used and who verified it. I have also noticed that the dates are also incorrect and they couldn't even get that right which leads me to believe it has never been looked at. The accounts uploaded should both fall off in XX/XX/XXXX not XX/XX/XXXXor XX/XX/XXXX. This also shows me no one truly is looking at it. I've made numerous calls and they either claim there system is down, they couldn't see my I'd clear enough or they don't know what I'm disputing. I also have copies of each letter sent I could also provide if needed as well as tracking numbers show I g they have it all.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (KY)

I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXXXXXX XXXX sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi, citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Consumer complaint received 2023-04-08
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only XXXX hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are XXXX hard inquiries on Equifax credit report and XXXX hard inquiry on my XXXX credit report. There should only be XXXX hard inquiry on my credit report. I am therefore asking XXXX XXXX and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be XXXX hard inquiry on my credit report. 
I authorize the sales agent to do XXXX hard pull on my credit report not XXXX hard pulls. 
So, XXXX of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.
Consumer complaint received 2023-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MN)

I applied for the SAVE IDR program on XX/XX/XXXX. I've called MOHELA, my servicer, three times since then checking on the status of my application. Each time they've said it will be finished by " next week. '' Still no information. I attempted to call a fourth time, today, XX/XX/XXXX, had a XXXX hour wait, only to be told the customer representative that they couldn't help me with my request. They then " transferred '' me, which evidently took me back to the beginning of the waiting queue, where I waited another hour but I had to go to work before my call was answered. 

MOHELA has been completely unhelpful for the past several months. My online message also hasn't been responded to in the quoted time of three business days. 

MOHELA 's customer service has been unreasonably difficult and completely unhelpful in my case.
Consumer complaint received 2023-05-27
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. (MI)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-08
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. (CA)

All three major credit bureaus I have over 30 plus inquiries on my report! This is outrageous. I have called them and told them several times that I did not give permission to any of these companies to receive my credit. Not only that but I also put freezes on my credit and Im yet still receiving information that several car places are running my credit as well as loan companies. I have not tried to run my credit for either thing. Someone is illegally allowing this to happen. I want all inquiries removed at once!!!!
Consumer complaint received 2023-06-06
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. (OH)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (CA)

I had a student loan debt that was forgiven. The company XXXX has not updated my credit after 90 days. I submitted a dispute to the credit bureaus on XX/XX/2023. I provided to the bureaus the debt forgiveness letter for the lender/government and a copy of the zero-balance statement from XXXX. On XXXX XXXX, I received an email from Experian so that they " verified '' the incorrect balance from XXXX. I asked them to mail me the procedures they used to " verify '' the debt they refused to provide me any additional information. Experian did not verify the debt as required and did not provide the information I requested. I know the information is inaccurate as I have the forgiveness letter and can see on my account that the balance is zero and I also received my dispute results from XXXX on XX/XX/2023, and XXXX correctly updated the disputed account showing the correct balance as XXXX and updated all the information to show the correct information. XXXX provided a detailed statement showing their procedures they used to verify. So, if XXXX was able to correctly update the account and provide the correct information, why is Experian unable to do so and why are they refusing to provide me the verification information i requested?
Consumer complaint received 2023-10-10
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from 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
Consumer complaint received 2023-10-10
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. (OH)

In accordance to the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose