davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

When I moved out of this unit I didnt owe anything I had to replace and pay for all repairs previous to me deciding to move the maintenance person for the complex did the repairs I wasnt satisfied with them but they never came to fix them now that Ive moved they want me to pay for repairs Ive already paid them to do
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update this account to PAID/NEVER late and send me a copy of my updated credit report regarding dates XXXXXXXX XXXX XXXXXXXX for account # XXXX, and dates XXXX of XXXX for account # XXXX, this should not be late send proof now. 

Also, please pass this along. 
15 USC 1681s-2 ( F )
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC (AZ)

I was approved for a Gemini Credit Card on XX/XX/2024. On XX/XX/2024 I received an email that my Gemini Credit Card would be suspended/ frozen until I provided a selfie showing the date and a code written on a piece of paper. I uploaded the selfie with the ticket number on the same date. I have followed up via phone and secure message. Gemini approved the card, suspended it and it has remained suspended without so much as a follow up. I can not get any response from any of their customer service channels.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even afterXX/XX/XXXX It feels like I'm being taken advantage of and my disputes are being ignored. According to XX/XX/XXXXXXXXXX/XX/XXXX, if these items are not investigated within XX/XX/XXXX, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXXXX/XX/XXXXXXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DriveTime (TX)

Drivetime has furnished an account on my credit report without providing any evidence of me giving them consent to do so is in clear violation. I have tried several times to dispute this issue and nothing was sent to me. I am also aware of my right to privacy under the FCRA. I would like this account to be deleted immediately from my credit report.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-26
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. (IL)

On XX/XX/2021 I call XXXX about fraud activity on my credit they remove the accounts and place a fraud alert on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX credit they had delete this accounts from my credit report but I check my reports recently and the accounts are the I ask them this not me and that they had removed the accounts so why are they still reporting
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed this information with the three credit bureaus because they are still showing that there is a balance on this account when it has been paid in full and closed. They incorrectly are telling the credit bureaus that there is a balance on the account.
Consumer complaint received 2023-10-27
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: EQUIFAX, INC. (NV)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I have already made the credit bureaus and the collection company know that they are in violation of my rights. I have also filed a report with the ftc about the issue, Ive disputed this issue multiple times with the same result and no proof of validation or any response as to how it was validated, no documentation with my signature, no proof of debt or any transaction/payment history, no proof that this company owns the debt. I do NOT know this company, I do NOT have a contract with them and I did NOT give written consent to furnish anything on my consumer report. Multiple violations were made. 

In my dispute, I made you aware that you were in violation of the FDCPA. The response i received from your company over the phone was that it is not governed by the FDCPA and that it only applies to third party debt collectors and not creditors. At this time i am asking you to show valid proof that you are NOT governed by the FDCPA and that you are a creditor. Please also provide the audit trail of the transaction originated by you as well as the ledger, accounting documents and any other documents associated with this alleged debt and account. please be aware that a consumer contract is not sufficient evidence of a debt pursuant to Pacific Concrete F.C.U. V Kauanoe.

Under, 15 U.S Code 1681b - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account : EASTERN ACCOUNT SYSTEM INC Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

According to 15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM POSSIBLE ACCURACY of the information concerning the individual about whom the report relates. 
15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. These items have failed to be verified. I would like to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CO)

I applied for financing for dental aligners with XXXX XXXX XXXX. 

The aligners I received were defective, and could not be used to straighten my teeth. Some are cracked, some are bent, and the remaining aligners do not fit my teeth. 

I was told Health Finance Direct was the company processing my payments. The contract stated all financing was provided by XXXX XXXX XXXX. 

XXXX XXXX XXXX filed for bankruptcy shortly after I received my aligners, and I am still being charged to them. 

The company phone line is close, the website has been taken down, but I have been threatened to be sent to collections if I do not continue my payments to HFD for the defective product I received. 

In the original terms provided by XXXX XXXX XXXX, I was guaranteed supervision from certified medical professionals throughout my treatment, which I did not receive, and I was guaranteed retainers at the end of my treatment, which I did not receive and is not possible given my treatment could not be completed. 

Their lifetime guarantee on straight teeth is also now impossible.
Consumer complaint received 2023-02-14
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)

I recieved four emails from Bank of America regarding an application and approval for a Bank of America Advantage SafeBalance Banking account being opened in my name. I did not open this account. I attempted to contact Bank of America, but their automated system told me that they are closed. 

I did not apply to open the above referenced account. 

I don't understand how Bank of America can allow people to open accounts after business hours, and apparently without any form of identification.
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (CA)

I opened account with XXXX XXXX XXXX in XXXX of XXXX. The company went bankrupt and effectively stopped providing the services outlined within the contract that both the company and myself agreed to. Therefore, I feel that I should have my account and debt owed canceled by the company XXXX XXXX XXXX. 

I have received numerous phone calls and written mail requests, as well as unauthorized withdrawals from my account by the company HealthCare Finance Direct, LLC since the closure of the company. 

My personal bank, XXXX Bank requested to stop payment in XX/XX/XXXX and the company continues to request payment and threat to send my debt into collections. I contacted Healthcare Finance Direct to request a stop of my payments until more information is worked out regarding the closure of smile direct club, however this claim was denied without any further explanation.
Consumer complaint received 2024-04-26
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. (CA)

I created this new CFPB account since I lost my access to the other one. 

I just checked and reviewed again my credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-04-26
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. (CA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED NAMES ALONG WITH ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-04-03
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: Experian Information Solutions Inc. (MI)

Unauthorized Credit Inquiry - Name of Creditor : XXXX XXXX XXXX - Date of Inquiry : XX/XX/2023 - Reason Stated : Not Authorized by Me
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc. (PR)

THIS ACCOUNT ARE FRAUDULENT OPEN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD ACCOUNTS THE ACTION THAT WERE TAKING FTC.GOV REPORT AND A POLICE REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
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. (IL)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-03-29
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: Carvana Group, LLC (OH)

I was looking to buy a new car and looked at two online sites CARVANA and XXXX. They both offered prequlification which I thought would be useful so I could keep myself within a certain price point, and it was advertised as having XXXX impact on credit report. When I finally decided which car to purchase XXXX requested to run a single hard request and was denied credit which I did not understand why until a few weeks later denied applications from multiple lending companies that I had neither heard of nor applied to began to pour in. Over 30 in total which also ended up as hard inquiries on my credit report dropping my score to XXXX -over XXXX points in total. It has been four months since this incident and I am still in the process of disputing with the credit agencies to get these items removed. I contacted XXXX and carvana and they said I authorized the check however I was unaware they were impacting my credit report so much and the soft inquires ended up as hard inquiries as well. I was unable to get a vehicle and am exhausted by this process. The businesses messed up but I am having to clean up the mess.
Consumer complaint received 2024-04-26
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. (DC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NJ)

I use Zelle through XXXX Bank. In early XXXX some user sent me money because he mistyped the email address he meant to send it to. Zelle through XXXX XXXX  does not give you any option to accept or refuse the transfer- it just automatically does into your account. 

It appears that when the other user reported his mistake to his bank, they did something to get my access to Zelle completely blocked. Zelle refuses to engage with me or provide any sort of reason for preventing me from using the system despite having provided indisputable documentation to my bank that I had nothing to do with this transfer and it was a mistake on the other side. 

Zelle 's blocking my access to the system now prevents me from doing anything to return the money to reverse the mistaken transfer. The only option they have left me would be to wire the money through some XXXX party service which leaves me at risk because there is no guarantee that the other user wouldn't find some way to get the transaction reversed and if he were to pursue that - from Zelle 's point of view, they would only see the original transaction and not that I returned money. 

I am being threatened with a lawsuit if I do not return the money but at the same time my bank is telling me not to return the money through an alternate method as there are common scams that involve this. 

Zelle has unjustifiably left me in an impossible position having spent nearly XXXX hours of time on the phone with XXXX Bank trying to resolve this but Zelle refuses to discuss the issue other than say I am permanently blocked from using the system. They provide no reason and refuse to be willing to conduct any sort of inquiry as to what happened.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/2023, I notified BSI financial of the change in taxes due on my property which was over {$2000.00} less than the amount escrowed. I was told then that because the escrow refund was so much, the refund would be fast tracked and a check expedited. My account shows an escrow disbursement of {$1800.00} on XX/XX/2023. In mid XXXX, I called BSI because I had not receive the check. I was told they do not fast track refunds and a check would be mailed on XX/XX/XXXX which is when all escrow refunds go out annually. Today, XX/XX/2023, I called BSI as I have not yet received the funds. I was told today that a check was sent in early XXXX and when that was not cashed in 30 days another check was reissued in early XXXX and since that has not been cashed they will request today that another check be sent to me. I requested that it be sent by priority mail. I am complaining because this company for years would not apply my principal payments as indicated and would hold in an unapplied funds for a month any amount I sent that was less than the regular mortgage amount even when I specifically stated the payment was to reduce principal. They did this for two years til I figured out a workaround. I do not trust them and every time I have to deal with them I get a different story. I have never in my 30 years of homeownership ever dealt with a mortgage company more disorganized and deceitful.
Consumer complaint received 2024-04-26
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)

I am writing to bring to your attention the fraudulent personal information linked to my identity. Certain accounts and transactions have been erroneously associated with me without my knowledge or consent, resulting in significant distress and concern. Regrettably, I have fallen victim to identity theft and have taken immediate steps by reporting the incident. It is imperative to swiftly address this issue as it has adversely affected both my financial stability and personal integrity. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, pursue legal action to safeguard my rights and seek appropriate restitution. Your prompt attention to this urgent matter is greatly appreciated.