davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (DE)

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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2016-05-04
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Clear Debt Solutions, LLC (OH)

These people called me my brother my mom my boss all after repeatly calling me 3 x a day and I told them to stop! This is rediculous and these people should not be called! It 's CDR XXXX ext XXXX
Consumer complaint received 2023-04-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

I settled a mortgage obligation XXXX with XXXX XXXX XXXX XXXX XXXX in XXXX via a promissory note that servicer retained but did not credit. I administratively defaulted them and recorded a lien in XXXX XXXX register of Deeds. One term of my novation is they were not to sell my note, which XXXX did sell to Rushmore Loan Management, LLC of XXXX XXXX, who began trying to collect on a new loan number XXXX I never signed. The statute of limitation to collect on a promissory note in state of Wisconsin is 10 years, which in this case has expired. Rushmore, their lawyers XXXX XXXX XXXXXXXX XXXX and their alleged principal XXXX XXXX XXXX  have no license to collect in state of Wisconsin. They prevailed upon a county judge to schedule an unlawful sheriff sale of the property. My bid was higher and yet the judge awarded the property to the bank. Rushmore never produced a real party of interest, POA or evidence of a debt owed, just old mortgage documents. Their CEO, attorneys and trustee failed to appear to subpoenas in US Bankruptcy court in XXXX. Voice-mails left with their attorneys were not returned. They are a totally rogue, outlaw agency committed to stealing homes.
Consumer complaint received 2024-04-24
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. (MO)

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : 1. XXXX XXXX XXXX Reason for Closure : Terms met account is paid. 


Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (MI)

XXXX, XXXX, XXXX and Apple Card- GS Bank USA refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. Apple Card- GS Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony strikes AGAIN! I am just so completely dumbfounded. I have had this complaint previously and they hide behind " we apply payments to promotions that are ending within 60 days '' WELL??? I have a promotion expiring XX/XX/2023 and XX/XX/2023. GUESS WHAT?? Synchrony applies {$98.00} of my payment to the promotion expiring XX/XX/2023. 

Once again, unless a consumer IS ON TOP OF THEIR GAME, LIKE I AM, Synchrony PURPOSES does this as a fatal default and UNJUST ENRICHMENT because they offers are DEFERRED INTEREST. If a consumer were to ignore this EGREGIOUS error the consumer would suffer a {$300.00} INTEREST CHARGE!!!!! Disgusting. 

This is on top of the fact that I did a return of merchandise to the retailer. Items purchased WERE within this very promotion, and when Synchrony processed the return they credited another promotional balance that the purchase was NOT made under. AGAIN. XXXX  Synchrony, XXXX the consumer.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (AZ)

Chase Freedom Credit Card opened in my name. Sent to my address. It had not been used so I don't know if the person was planning to snatch it out of my mailbox or just use the credit number.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VT)

My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX points. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?
Consumer complaint received 2023-04-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Hollis Cobb Associates (MA)

I received a phone call at XXXX XXXX from Hollis Cobb Associates XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. The associates name was XXXX XXXX. He called stating he was calling from XXXX XXXX XXXX regarding a hospital bill. He was not calling from XXXX at all. Once he was giving me the website to make a payment. I realized this was not XXXX at all but a creditor. He then said he was representing XXXX XXXX XXXX. I stated they would call me themselves. I then asked for the location he was calling from. He refused giving me a physical address. He said sorry it was his first day. I then asked for a supervisor. XXXX XXXX then spoke with me and also was trying to mislead me into thinking he was XXXX and there was no physical address to be given. Just a po box XXXX I mention to XXXX he would not want to be seen as a liar and then he gave the address. 

I am sure I am not the first individual they have done this action to.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

My credit score has dropped almost XXXX points over a XXXX month period. I am planning to purchase a car so the dealership checked my credit. Nothing bad about it but the credit score keepers decided my score needed to take a hit. I paid off my credit card and my score dropped XXXX points. These companies are ridiculous, corrupt and should not be allowed to constantly manipulate scores. They are also allowed to keep old information for years on record that keeps scores low. If you have no debt your score is decreased. 

My credit score is probably going to drop because I complain about them When is this corruption going to end?
Consumer complaint received 2023-11-02
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)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts.

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC. (OK)

On XX/XX/23 i deposited through drive through a {$2100.00} loan check ( drawn on this bank ) to my checking XXXX because they do not have deposit slips and gave my drivers license with the check as instructed when account was opened to identify which acct. 
I then swiped my card for emer dental work and it was declined because of nsf. I called the bank and got the call center who after 30 minutes informed me that it had been deposited to wrong acct. I asked them to please fix it so that I could have my dental work done, they said they could not. I went to the branch and asked for the Manager who came out and was going to discuss my issue in the middle of lobby. He showed me to an office after my request.

I then explained my delimma and asked that he fix it. he replied he could not it would take me filing a dispute and 7-10 days. I would not file a dispute because it is my understanding that a dispute is for a fraudelent claim. Afterwards he said he could help me by putting a memo post to my account to release {$200.00} of the XXXX and that the remainder should be in my account by morning. He made the memo post which i saw immediately but disappeard befor XXXX and when straight back to wrong acct.went to XXXX XXXX acct # XXXX who is my husband I have not lived for in 7 years. I do however take care of all his financial and medical business. So I transferred the money to my account on the XXXX. So now it reflects on his account that the transfer for {$2100.00} to my account was successful. But it was not a transfer it was a bank error and that is how it should reflect not like I made an illegal transfer he did not authorize. I want it corrected and I want that branch doing things right.
Consumer complaint received 2023-11-02
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. (LA)

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SAN DIEGO COUNTY CREDIT UNION (GA)

Hi, I was on international travel for our honeymoon with a return date of XX/XX/23 and a return flight of XXXX. I was alerted by the hotel upon checkout that my sdccu card declined. I checked my balance to verify that the funds were in my account and they were. The hotel tried numerous times and each time declined. We had to wait until sdccu bank opens on XXXX time zone approximately an hour to speak to a bank representative. I was informed that the bank was experiencing an outage and declining all cards. I enforced the bank rep that I had a flight to catch in 2 hours but am unable to check out with the hotel because my funds are tied up. The sdccu representative was very rude and stated there is nothing that can be done and I would just have to wait. I requested to speak to a manager to which she stated none was available. She took my phone number and said one will call me. Ultimately we missed our flight and had to pay over {$500.00} to rebook. I used my credit card which is for emergencies and did not have a limit to cover the hotel. Also, I had pending automatic transactions to include bills that were declined and returned with retuned payment fees added. We were stuck in another country until we contacted family as we were desperate to get home. Once the sdccu outage was over I discovered several over draft fees in my account due to my deposits being returned during the outage. This is very disheartening. My daughter, husband, and I all bank with sdccu for nearly 20 years. I am requesting all over draft fees as a result of this outage to be refunded. I am also requesting that sdccu take care of the additional flight fees due to missing our flight from not being able to check out of the hotel and a refund of the returned payment fees accrued from my bills attempting to be debted from my account. My deposits were returned and therefore everything either bounced or resulted in over draft fees. My family and I would like to continue to bank with sdccu, however, if this situation is not resolved we will have no choice but to bank elsewhere. Feel free to email me at XXXX or call at ( XXXX ) XXXX. Thank you.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (TX)

I recently tried to apply for a home and was denied, after obtaining a copy of my credit report there are some major issues that need to be addressed. I found the following accounts to be in error : 1.Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account XXXX : XXXX Please Delete Immediately 2. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX  Account Number : XXXX Please Delete Immediately 3. 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy XXXX  Account Number : XXXX Please Delete Immediately 4. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX Account Number : XXXX Please Delete Immediately 5. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX Account Number : XXXX Please Delete Immediately
Consumer complaint received 2023-11-02
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. (FL)

I revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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. (MO)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (TX)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.