davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (MI)

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX 2 ) account # : XXXX. 3 ) account # : XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SettlementOne Valuation, LLC (MA)

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : XXXX XXXX XXXX XXXX XXXX XXXX Credit Tech XXXX Settlement O XXXX XXXX XXXX None of the XXXX XXXX will help me without CFPB or FTC assistance. 

Thank you
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I contacted Equifax to find out why no information is being reported for me while both XXXX and XXXX have no problem issuing a report. I was referred to the XXXX XXXX XXXX to investigate this matter. I then sent updated ID information ( see attached ). Every month since then, I get the same non-reporting which is hurting my chances of getting a new home loan. Equifax has never sent me any correspondence explaining why a report can not be generated.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I contacted each credit report agency regarding information that is inaccurate on my credit report. They have not responded or given me the information I requested. I have waited over 30 days for a reply and still no reply. I would love to get this issue resolved asap.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against TransUnion, for violating the Fair Credit Reporting Act ( FCRA ) as outlined in Title 15, Section 1681s-2 of the United States Code ( U.S.C. ) by allowing XXXX XXXX XXXX XXXX to furnish inaccuracies of an alleged debt to my TransUnion consumer report. Both XXXX and XXXX consumer reporting agencies have honored the cease and desist and refrained from allowing XXXX XXXX XXXX XXXX, from negligently reporting inaccuracies to my consumer reports, and has removed the alleged debt reported by XXXX XXXX XXXX from my consumer reports more than XXXX years ago due to substantial doubts about the accuracy of the alleged debt. However, TransUnion persists in allowing XXXX XXXX XXXX XXXX to erroneously report inaccuracies of this alleged debt to my TransUnion consumer report. 

It is a direct violation of the Fair Credit Reporting Act ( FCRA ) to report a collection to only one consumer reporting agency and not all three according to the United States Code ( U.S.C. ), Title 15, Section 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies, including requirements for accuracy and completeness of the information provided. I am legally demanding a cease and desist of all illegal collection activity furnished on my TransUnion consumer report and legally demand a permanent removal of the alleged debt from XXXX XXXX XXXX from my TransUnion consumer report.

If TransUnion, fails to comply with the law ( U.S.C. ), Title 15, Section 1681s-2 and allows XXXX XXXX XXXX XXXX XXXX to continue furnish my consumer report with the removal of the alleged by XXXX and XXXX, XXXX would have to assume that TransUnion is doing so with forethought and malice as an attempt to bring harm to me and my financial reputation, which I will file for litigation for actual damages caused, and TransUnion and XXXX XXXX XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A , extortion, theft by deception, and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I am also requesting that the CFPB enforce the FCRA impose penalties on TransUnion, once found to be in violation.
Consumer complaint received 2023-09-15
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. (FL)

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (UT)

On XX/XX/XXXX I opened an XXXX savings account with Marcus by Goldman by transferring {$220000.00} into the new account. This is all of my savings other than $ XXXX for emergency. The account states that once opened, it has no limit on how much and how often I can withdraw funds from this account. 

On XXXX I withdrew {$1200.00} back into my XXXX XXXX account. No problem. 

On XXXX I withdrew {$6200.00} back into my XXXX XXXX account. They said there would be a 3 day delay which I thought was strange, but was eventually transferred. 

On XX/XX/XXXX I received an email from Marcus by Goldman that my account was now frozen for fraud. I immediately called them and they said it was frozen for fraud and they couldnt tell me why. I then requested them to close my account and to have the remaining funds transferred back into my XXXX XXXX account. They approved and said it would take 7-10 business days. 

On XX/XX/XXXX I had not received the transfer so I called them to request a status update. After speaking with a few agents they confirmed my savings account number and amount and that it would be transferred in 1-3 business days. 

On XX/XX/XXXX I still had not received the transfer, so I called back. This is now the 13th business day from the original request. They said my account is still under review and they are not sure when it will be approved to be transferred. They gave me generic answers about processes and what not. I expressed all my money is in this account and I need it to pay my bills. Each time I call it takes about an hour and I get nowhere. Im not confident that I will ever receive my money back. I was then transferred to someone else who again confirmed my XXXX XXXX savings account number and dollar amount and said this would take 1-3 business days. They gave me a money transfer case number of XXXX. 

Each time I talk to someone they act like this is a brand new request from me. I now have credit card bills I need to pay and they are holding my money hostage with no confident answer as to when they will transfer it back. All I want to do is close my account and have my money transferred back to my XXXX XXXX account and they are refusing to do so.
Consumer complaint received 2023-12-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (AL)

I received an Amex giftcard from my employer for {$50.00} dollars. I activated the card and checked the balance and attempted to make a purchase on XX/XX/XXXX. The card said it was declined a few times. I checked the balance, and funds were removed for XXXX cents for each failed purchase, but enough funds were available to cover the funds. I tried another vendor ( XXXX ) with the same result on XX/XX/XXXX. I had the same issue the previous year as well, so I called the customer service line and was told they will refund the full amount, and the card was declined for " my protection '', but was now ready for use. I waited until XX/XX/XXXX to attempt a purchase for XXXX, but it declined. I checked my balance, and it still shows XXXX available, so they money wasn't refunded, and I still can not use my card. 

The resolution for last year was that I had to load the funds onto an XXXX account, which was the only way I could get any funds. This was not what I wanted to use it for, but at least I was able to get use of the card. That method did not work this year.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX Auto -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX Bank -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXX XXXX XXXX and Experian Credit Reporting Agency and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a account.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (OH)

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

Per the FCRA XXXX XXXX XXXX XXXX XXXX I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC (CT)

XXXX XXXX had me served with Writ and Notice of Suit today XX/XX/2024. Never sent me any documentation before this about account transfers or what my rights are including how to dispute. Account is in the wrong name.
Consumer complaint received 2024-04-17
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 received the investigation results from my previous dispute & am very confused. I don't think you fully investigated my claim of identity theft as the following accounts still remain so I am disputing the accounts again. These accounts were opened without my knowledge, consent or authority. I talked to the banks and they requested I file a report with the XXXX and list what happened. I have no knowledge of the events. Additionally, the other bureaus have already removed these from their records. So, please DELETE these right away : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (WV)

On XX/XX/XXXX, Discover informed me they had reduced my credit limit by 25 % on XXXX card and by over 70 % on my other card, severely impacting my FICO credit score, which according to Discover 's site is currently XXXX, which does not seem to warrant this negative action. I have always made my payments on time and have never given Discover any reason to suspect I won't pay them. This is after they attempted to close my accounts previously due to their own errors and what I suspect was discrimination, as I documented in a previous complaint. I suspect that this action may be in retaliation for that complaint or further discriminatory action, as no other credit card company has taken such actions against me and I receive several offers per week for new cards from other companies. This is now the second time Discover has taken negative actions against me that I've had to bring to this agency which negatively affected my credit score and financial planning for which there does not appear to be a good reason other than they just don't like people like me. My current credit profile looks very much like it has at other times I've had cards with Discover when I had major purchases to make, such as the XXXX holidays, and I've always paid on time, and returned to a favorable credit usage status on my credit report overall so I'm left to believe it's simply retaliation for my previous complaint or discrimination. I didn't bother contacting the company because the last time I had a complaint, which was resolved in my favor, they gave me the runaround for weeks wasting hours of my time and forcing me to complain to this agency to obtain correction of their mistake.
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a credit card from Bank of America. On XX/XX/XXXX there were multiple transactions happened in XXXX XXXX, CA location. Total transaction amount is {$270.00}. I reached out to Bank of America and they promptly reverted the amount and credit the amount back to my account. They started with investigation and found that the card is used physically but I never visited those places and I am in a different place at that time. But Bank of America is claiming that they checked with merchant and a physical signed was done during merchandising. Now Bank of America charged back to my card and I have paid to avoid any late payments. Please help me to resolve this issue.
Consumer complaint received 2023-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC (MO)

I was given a COVID relief forbearance to help with my house payment back in XXXX. When I called in XXXX of XXXX to make my payment I was told that I could not make a payment but that I had to pay the entire amount due, around {$10000.00} dollars. I had to file for bankruptcy to stop the sale of my home. During bankruptcy, I was able to fill out an Application for Success and was approved for a temporary loan modification. During that process, my wife, who I have been separated from since XXXX of XXXX, signed a quit claim deed and a marital waiver and filed them with the court. I paid three months of house payments on time as required by the temporary modification. XXXX, XXXX, and XXXX of XXXX. I then paid the XXXX XXXX payment with no problem. When I called to make the XXXX payment I was told there was no payment due until XXXX because the temporary modification was complete and we were moving to the permanent modification. During this time I was hospitalized for XXXX XXXX  with XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I was literally fighting for my life and enduring procedure after procedure. I was in the hospital XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. I was also admitted on XX/XX/XXXX, and XXXX, and most recently, XX/XX/XXXX. I was contacted by a notary who wanted to get my notarized signature for the permanent modification and she asked if my wife would be there. I told her that she wouldn't be there due to the quit claim deed and marital waiver that were signed and submitted. She was completely unaware of everything that had transpired so she said the she would check into it and call me back. I never heard back from her. On XX/XX/XXXX I came home to a notice on my door stating that a 3rd party had bought my home at auction. My home was sold illegally and without my knowledge. They never had a conversation with me to tell me that the permanent modification had not gone through. I thought I was waiting for a notary to call me back. I never dreamed that during that time they would sell my home out from under me while I was sick in the hospital and was still making payments.
Consumer complaint received 2024-04-17
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. (IL)

Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These inquiries have adversely affected my credit score and financial standing. 

Below are the details of the unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report. 
1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, Capital one bank is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

Capital one is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Consumer complaint received 2020-09-12
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. (NY)

I have notified Transunion numerous times that I am a victim of identity theft. I do not own or have in the past owned a XXXX card.
Consumer complaint received 2024-04-17
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. (FL)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Balance : {$0.00}