davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

This is an additional evidence of what transpired and the email received and my response for complaint # XXXX I copied and pasted there email to me and copied and pasted my response 1 enjoyeu speaking win you anu rope i was dule to answer all your questions effectively. 
At XXXX XXXX XXXX, we are committed to exceeding the expectations of our customers, and I will do everything possible to ensure that you are completely satisfied. We know that buying a new vehicle is an important decision, and we are committed to helping you make the right choice.

Please do not hesitate to call, or stop by, with any questions you may have concerning the vehicle we discussed. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sales Rep ( XXXX ) XXXX cell/work/text # ( XXXX ) XXXX ext # XXXX ( office # ) Email : XXXX ~ Reply to All Mail O Search XXXX Calendar Good evening XXXX thank you for the email. 
However this email is completely false and fraudulent as this afternoon you hung up the phone on me when I was simply exercising my consumer rights. And now I feel discriminated and XXXX profiled over a auto loan which I was extending my credit to XXXX by trying to do a consumer credit transaction. But that's ok I've spoken with Ally financial and they recommend I file a complaint with the CFPB which I have already done this evening.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount : {$220.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.
Consumer complaint received 2024-04-23
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Coinbase, Inc. (PA)

So on XX/XX/XXXX and the XX/XX/XXXX I noticed some transactions I was disputing due to some ongoing issues at home with someone Im helping out. I filed the dispute promptly and not long after my account was restricted and I wasnt able to do anything. And then I come to find out that they wont release my account because somebody opened an account in my name. And they say I owe the money. Im not even sure this account was open but I just filed identity theft affidavit, a year and a half ago due to ongoing issues. I explained that to them before and they wont unrestrict my account until that account deleted. But I have no way of doing so. I disputed funds and I want this other account taken care of please
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: OPTUM BANK, INC. (WA)

I'm a XXXX from XXXX XXXX XXXX  XXXX XXXX, and I pay my XXXX medical premium payments to Optum Financial, which in turns pays my medical insurance. Optum Financial collects these XXXX medical premiums through a XXXX unit or organization. The website informs consumers that any online payment transaction, by credit card or bank transfer, incurs a {$20.00} processing fee. I use bank transfers from by checking account, which cost Optum Financial nothing. So they are collecting {$240.00} per year to take my monthly medical premium payments. This is a junk a fee, charged by a greedy company, simply because they can get away with it.
Consumer complaint received 2023-11-09
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. (NV)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 



XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-23
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. (ME)

XXXX continues to report a collection to my credit each month. XXXX wrongfully billed us for full monthly service on our condo in XXXX. Each year we go back home and place the service on seasonal, which we did, however XXXX continued to billed us the full monthly rate. We explained to them that the charge was incorrect and they insisted on charging the full rate. 

After a period of time XXXX placed a derogatory on my credit report. I was infuriated not so much about the wrongful money charges, but the principal of them charging me something that is not mine and crediting trouble on my credit reporting. 

I then hired a company to repair this error. After approximately 9 months the account in question was resolved and the bureaus Transunion, XXXX and XXXX all deleted it from my credit report. Yet it is now showing up re-reporting under a different name in error. 

I have tried to rectify this with XXXX and the bureaus and they have been unwilling to investigate or correct the error. This is very upsetting and should be illegal.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NV)

On XX/XX/XXXX I submitted an Income Repayment Plan/SAVEs application as student loan interest and repayments were about to start in XXXX. I submitted the application with all pertinent documentation. After a couple of weeks went by with no information, I contacted them via phone and the agent told me that the applications were being processed and they were very behind. I then received periodic emails stating that my application was in queue and another message stating that my application was put into forbearance and saw that almost {$500.00} in interest was added to the loan balance. After reading a few online forums in which several borrowers were stating that Nelnet wasn't properly communicating what was going on, I ended up calling again on XX/XX/XXXX to find out there was something manually that needed to be processed. So after waiting two hours to get ahold of someone, it was supposedly processed and the guy told me to give it a XXXX days for processing. After not receiving any information, I decided to contact them again on XX/XX/XXXX and was told by the woman I spoke to that they were processing applications for accounts that were past due and that it was taking them longer to get to the others. I explained to her that I was accruing almost {$500.00} a month in interest and would eventually be more since it is compounding. She put me on hold for quite some time waiting for a processer to become available and she finally said they were able to get everything approved and " pushed through ''. Today, XXXX, I get another almost {$500.00} in interest and my account online still shows some administrative hold. Because of their lack of staffing or properly processing documents, my account balance has gone up {$930.00} and there's supposedly nothing I can do about that. I can not spend hours on the phone trying to get ahold of someone nor are they properly communicating with borrowers when something is missing or needed. They just arbitrarily put people on forbearance that is making balances balloon.
Consumer complaint received 2023-04-27
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-02
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX/XXXX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

Due to a misunderstanding my account has been blocked no access since XX/XX/2023 made several calls vistes in person submitted supporting documents trying to resolve this matter it went from bank no access after making several complaints funds finally got released now another department put account on hold asked for documents they were sent now have been waiting in the back office from TD BANK to grant access no response I have expenses that I need as far as CHILDREN to feed RENT and BILLS Ive never been this humiliated in my life over my own money Im reaching out for help I need to access my funds they keep giving me the run around with my account this has been since XX/XX/2023
Consumer complaint received 2024-04-23
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX we opened an account with Chase Bank, XXXX XXXX, CA. A check of {$70000.00} was left with bank as the opening deposit. We were advised it would take a few days for the check to clear. The check was issued to our XXXX, for which we provided a copy of the fictitious business notification paperwork issued by XXXX XXXX. Chase cashed the check on XX/XX/XXXX and has since refused to make deposit monies into our account or return the funds. The bank has insisted on speaking with the issuer multiple times ( which they have ). Funds and business rational ( contract resulting in XXXX XXXX  payment for harvest ) were verfied. Bank over the course of several weeks has employed various stalling tactics from requesting additional information, to stating the funds would be released, to closing the account, reopening the account, talking to my husband and myself numerous times, the issuing agent multiple times, to stating funds would be returned in a form of a check, denying our ability to come in and pick up the check, to as recently as today XX/XX/XXXX stating that a check would be issued in XXXX days time refunding our monies. We are unable to XXXX XXXX XXXX without access to these monies representing XXXX XXXX XXXX worth of work and have incurred administrative time and cost in attempting to rectify this issue with the bank.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADP Inc. (NM)

As a Federal Protected Consumer I have a Consumer right and Privacy right to those who house and give out my non public personal information. As I never given authorization the following companies have and disclose my information to non-affiliated third party companies.
Consumer complaint received 2024-01-25
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. (OH)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, informed the Experian my personal information ( addresses ) were wrong on my credit report. 

I filed a dispute on XXXX To remove the personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. No financial institution is not supposed to share my information to third party people.
Consumer complaint received 2024-01-20
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: GOLDMAN SACHS BANK USA (AZ)

- XX/XX/2023 - {$100.00} - I went with a group to the dine-in XXXX  for the first time. Upon arrival we went into the theater and it was an absolute mess everywhere. There was sauce, and trash all over the table trays above the seats, and in the aisles. The movie was going to start within the next XXXX minutes and the theater was a mess. This was brought to the workers attention and this was fixed completely right as the movie was starting. My group all ordered food at the kiosks before the film. My partner and I ordered on our own separate bill. About an hour into the film we received popcorn and our sodas. My partner is diabetic and was given a normal XXXX  and we didnt know until his blood sugar was elevated. Lastly, we never received our actual food items. Everyone else around XXXX received food and we never got it. When we approached the service workers about it they told us the kitchen was now closed. This was an absolute horrible experience and we were not able to even enjoy the movie because from start to finish it was just horrible. I have disputed this charge multiple times and XXXX just has my bank reinstate the charges. All I want is a refund from the company. XXXX doesnt even have the courtesy to reach out and actually talk to me about the situation. I have sent support tickets and have NEVER heard back. Such a bad company, and clearly they do not care about their customers. 

- I have disputed the charge twice with my Apple credit card ( which I believe is ran by XXXX XXXX ) and XXXX sends them a generic response and they deny my refund. I have filed with the better business bureau. The services were completely different than what's expected. Honestly, they were pretty much non-existent. It is ridiculous that these companies can just talk to one another without actually taking into consideration my concerns and problems.
Consumer complaint received 2023-11-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Equifax : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Equifax : XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted through all channels seek proper investigations into the reporting of accounts on my reports from all three major credit bureaus. All three credit bureau report that all information is accurate and they put only the account is included in bankruptcy, but still report account is closed or charged off to collectionssold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this sold off. Ill accounts before XXXX  should be marked as included in bankruptcy and not to report as charged off or sold for collections or derogatory. I have tried to fix this.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you that I have recently discovered unauthorized accounts opened in my name, which I believe to be the result of identity theft. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am requesting your immediate attention to this matter and the closure of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX 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 I have attached a copy of my XXXX theft report to authenticate my claim. I am requesting that you immediately close the fraudulent accounts listed above. I understand the seriousness of identity theft and its impact on both the victim and the creditor. I expect your full cooperation in resolving this matter promptly and professionally. 
I appreciate your immediate attention to this critical issue and your assistance in rectifying the fraudulent accounts.