davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX RM Account XXXX Account Name : XXXXXXXX XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-04-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I attended XXXX XXXX during XXXX. I received a Pell grant and student loans to pay for my tuition, books, fees, etc. My last completed semester was fall of XXXX. I enrolled in the winter XXXX semester approximately XX/XX/XXXX. The courses began XX/XX/XXXX. I became XXXX with XXXX  symptoms at that time and was not well enough to start the course. I dropped the classes on XX/XX/XXXX the day classes started to avoid any impending charges to occur. The school has a policy to drop within a specific period without penalty or having a W for withdrawal on your transcript. I dropped the classes in the allotted time frame. Several weeks went by and there was a hold on my account stating I owed the school {$1000.00} for dropping the courses and a book fee. The Federal Pell grant paid for my courses which is free and does not have to be paid back. However, the school states I owe them because they paid my refund that was left over from my Pell grant. I am trying to receive my transcript and the school refuses to issue me a Official transcript with the seal on it until I pay them the money they say I owe them. I talked to Federal student aid and they say I do not have an overpayment listed in their database and as per the federal student aid agency I do not owe anything. I also was told by the federal student aid agency that a law was passed in XX/XX/XXXX that it is illegal for colleges to hold transcripts because of student loan. I did not have a personal loan with the school I had a grant. Since then the school has written the debt off and now it is with a collection agency. The collection is Merchants & Medical Collections XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I was told that I do not have a debt with the collection agency. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX phone XXXX ( XXXX ) XXXX. I did not agree for the creditor to sell the debt the claim I owe to a third party. I was informed the collection company does not have a right to collect nor did I give verbal consent. I need my Official transcript with the seal to transfer to a university.
Consumer complaint received 2024-04-25
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. (NV)

" Your agency is in violation!

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.

Delete this at once! '' DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX - XXXX {$5700.00} XXXX XXXX XXXX {$5700.00} XXXX - XXXX XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX DOE XXXX XXXX XXXX DOE XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Yesterday XX/XX/XXXX I went on the my mobile bank account and was looking at how much money I have, but today XX/XX/XXXX I looked and it was wiped clean with {$0.00} in my account I called they said it was closed and had no history I explained to them over the phone and went to the branch that I have a bank statement saying I make deposits every week at XXXX atm and that I had XXXX in my account and they are saying it was closed and have no records on that saving account I was at work and could not bring them the statements till after work and now they are closed been on the phone for 1 hour trying to get some answers and no one know and no one will help me
Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I have already sent in a letter stating midland management do not have authorization to collect in my state which is in violation of federal law. midland credit is not authorized to collect in my state georgia .I demand them to remove this collection immediately. I have filed action with XXXX and if not removed I will be seeking legal action
Consumer complaint received 2024-06-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I was XXXX  at the time my payment was due and just couldnt bring myself to make the payment online. I am now able to make it but I am disgusted with the company. They have called me 15 times in the last 3 days. Including calling from a phone number that says no caller ID. The card is Victorias Secret issued by community bank.
Consumer complaint received 2024-04-25
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2024-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-25
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. (GA)

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.

has violated my rights. Or a list of inquiries : 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Social Security erroneously reported me as deceased in late XX/XX/2024. I straightened it out with Social Security, but Experian picked up the information and sent me a notice that I am dead. When I called the number Experian put in the email, I called and could not get past the automated system to a real person as the system did not recognize my issue as valid. I have no way to talk to anyone at Experian to clear up the erroneous death report.
Consumer complaint received 2023-12-30
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. (MD)

I have opened disputes with XXXX, XXXX and Transunion. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-25
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 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 2024-04-25
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-04-25
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. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-25
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: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

I opened this credit card to help boost my credit score, after receiving the card I never used the card or spent any money from the card After checking my credit report I seen the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX  Closed This means that for 3 months I was listed as past due
Consumer complaint received 2024-04-25
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

I had major Fraud, starting in XX/XX/XXXX. Somehow they got a hold of my XXXX ACCOUNT. Now when I look at my credit report I noticed all these inquiries that I did not apply for. 
XXXX. SYNCB/AMAZON on XX/XX/XXXX XXXX.PAYPAL on XXXX XXXX . XXXX on XX/XX/XXXX XXXX.SYNCB on XX/XX/XXXX XXXXSYNCB/LOWES on XX/XX/XXXX XXXX.SYNCB/AMAZON on XXXX, XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I also never had an address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-04-25
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. (SC)

XXXX, Transunion and XXXX all refuse to remove old paid account off my credit report. I have disputed this with each company at least 5 times. This account is from the Department of Education that was opened in XXXX. This account was never paid and after more than XXXX  years the debt was sold to XXXX. I have written letters to each bureau requesting this old debt to be removed but each bureau refuses to do so. This is a direct violation of the Fair Credit Reporting Act. This account reflects a negative mark on my report and no matter what course of action, these three bureaus refuse to remove this account. Once again this account was opened XXXX of XXXX. This account was never paid until forgiven by Biden in XXXX of XXXX. This account is XXXX XXXX XXXX and according to the LAW this must be removed after XXXX or XXXX  years at which this account has exceeded both. XXXX, Transunion and XXXX are all in violation of the Fair Credit Reporting Act. XXXX is reporting this account has been paid as of XXXX but this account has never been paid. Therefore this is also inaccurate reporting by both the Department of Education and XXXX, Transunion and XXXX
Consumer complaint received 2024-04-25
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. (WA)

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 2024-04-25
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I experienced property damage to my barn on XX/XX/XXXX and received my insurance checks from my insurance company, XXXX XXXX. The checks were made out to myself and Wells Fargo, my Mortgage company. 
Wells Fargo mandated that I submit all my checks to their " property loss '' division in XXXX, OH, which I did on XX/XX/XXXX. 
Wells Fargo sent me an initial payment of {$40000.00} on XX/XX/XXXX, which I gave to my contractor to begin the necessary repairs.

In order to receive additional funds, I have to request an inspection through the Wells Fargo property loss website, which they outsource to XXXX XXXX, who hires a 3rd party to do the inspections. 
Wednesday, XX/XX/XXXX my first inspection was completed and submitted by the 3rd party to XXXX XXXX that evening showing pictures of the progress and stating the project was around 40 % completed. 
Wells Fargo 's property loss website shows an incorrect date of the inspection being done on XX/XX/XXXX, and states the " inspection failed '' with no details on why. 
The owner of the 3rd party company who completed the inspection and myself called XXXXXXXX XXXX on XX/XX/XXXX and spoke with XXXX who stated that XXXX at XXXX had changed the completion of the project to 0 % and would not be able to release more funds to me until the project was 100 % complete, which is impossible to do without more of my insurance money being released to me. 
My barn is an {$86000.00} project and my contractor needs money from me to finish buying materials and to finish the project. The project was started in XXXX with demolition and the rebuilt started on XX/XX/XXXX once I was able to give my contractor the {$40000.00} down payment. The project was supposed to take 3 weeks and my contractor has projects scheduled right after me. We are now at a standstill on the project as my contractor has XXXX funds from me to buy the rest of the materials to complete the project and pay his employees. Wells Fargo is holding my insurance money hostage and preventing the project from being completed, and messing up my contractor 's schedule.

I called Wells Fargo Executive complaints on XX/XX/XXXX and spoke to XXXX who opened a case # XXXX which was assigned to XXXX XXXX. 
I called XXXX again on XX/XX/XXXX and he had made XXXX progress on any resolution. I called again on XX/XX/XXXX and asked to speak to a supervisor and was told one would call me back that day. As of XX/XX/XXXX no one has called me and Wells Fargo has not resolved my issue or released any additional of my insurance money to me. 
This is a huge issue and I need Wells Fargo to immediately wire funds to my account so that I may pay my contractor so he can buy the rest of the materials needed and complete the project. This is an urgent situation due to my contractor being forced to abandon my project for another that has money to pay him unless I get my money immediately.
Consumer complaint received 2024-07-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PA)

XXXX XXXX or around XXXX XXXX or around XX/XX/2023, I fell victim to XXXX  multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USDT from my Coinbase account to fraudulent investment firm.