davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX XXXX credit accounts were acquired by XXXX XXXX  approx 2 yrs ago. XXXX raised my account credit limits by several XXXX initially. It reduced the card with the lesser limit, about a yr ago. I'm writing about my avccount ending in XXXX. Until 2 days ago it had a limit of {$18000.00}. 
XXXX 's computer systems are poor and caused several problems that required multiple very long and involved calls to resolve. Once most of the system glitches were corrected I began to use that card for bill payment. 
One of the glitches that never gets fixed is the sites inability to recognize my id and password, for more than 2 sign ons. This makes it unavailable, for quick reliable use On XX/XX/XXXX, i received a text questioning 2 new purchases, on my cred account. The message said I should call XXXX. 
I called XXXX and told them that the larger one for XXXX was correct. But the {$1.00} for a XXXX  was incorrect. I asked the representative how to best go through securing the account and avoiding changing the autopayments. Either their rep didn't understand me or i her, but there was quite a lot of contridiction between what she said and what she needed to read, when it came to disclosures. She tried to transfer me to the security section, but the call was dropped. 
On XX/XX/XXXX, I received notice that my credit line was dropped from {$18000.00} to {$6500.00}, the current amount of my outstanding balance. 
XXXX 's action generated a lot of credit warnings, since my usage went from 30 % to 90 %, in one day. I will be reducing the balance to reduce the abrupt reduction in the line and increase in XXXX % I'm very concerned that XXXX 's unilateral action w/o notioce may reduce my credit score and increase the cost of credit to me I could have called XXXX and asked them to raise the limit to where it was, directly. But, too many of my prior experiences ended so badly, I didn't want to waste my time. Instead, i thought it better to place a note of this event, on your records, I'm requesting that someone in your office investigate why my line was reduced and help me avoid any harm done to my credit due to XXXX 's action Kindly confirm your receipt of this note and request Thank you
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

on XX/XX/XXXX I initiated a complaint that the information was incorrect. Experian says I have an account with XXXX XXXX that is overdue. I called XXXX XXXX they have no record of any account in my name, much les a past due account. I have attempted to contact Experian but can not get a hold of anyone. Experian is completely unresponsive!
Consumer complaint received 2016-07-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Under the Home Affordable Modification Program, I would be under review every six months to see what has changed for me financially etc. with Wells Fargo Bank. I began working with them earlier this year for my six month review but what has happened is that the bank did not handle it in the same way it has in the past. It did not follow its procedure it outlined to me which was to send them the information they needed, they would review the information and contact me within 7 days to discuss and to let me know if they needed anything else, and, then provide me with a decision on the modification of my loan. Instead after I sent my required information, I never received acknowledgement or confirmation they had what they needed and they began foreclosure procedures. I managed to stop the foreclosure for a few months but in the end they have decided to go forward with it. This is despite the fact that they had provided me with a phone call offering a {$1000.00} a month mortgage payment on XXXX XXXX, 2016 which I agreed to but they never followed up with, instead they instituted foreclosure. In fact, I did not receive notice of the foreclosure until a real estate agent came to my driveway to tell me they were selling my home for the bank.
Consumer complaint received 2023-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX, XXXX have called XXXX, transunion, and also XXXX numerous of times and also sent certified mails without any solution being solved. Today XX/XX/2023 still have yet to have 19 total inquiries on my credit that is still listed. Late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXc. is still reporting as late on my credit report without my consent, no wet signature was given for a consent to XXXX to report to my credit report. These inquiries and all late payments shall be removed with my demand. My credit score has dropped tremendously, hurting me and my family from a buying a house, a car for my supported needs. This is against my rights as a consumer. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-03
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts 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
Consumer complaint received 2022-11-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The companies that report to my credit account has tremendous stress in my life! Its causing me some serious damage to my well being! My finances and XXXX XXXX are in shambles because of this! They broke the law when they reported the amounts without notifying me first of any sort and as a result Im unable to purchase anything because of these reports! 
All documents where sent XX/XX/2022
Consumer complaint received 2020-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

Car was total loss on XX/XX/2020 and the insurance company sent a payoff check on XX/XX/2020 for {$11000.00}. The payoff has not been applied and I tried to contact them and they dont know when it will applied and they have hang up on me and provided little to no information. In the meantime they raise the amount due to almost {$1000.00} and keep milking the fees and interest instead of applying the payment. I been denied car loans because the car is not paid off yet due to their incompetence. This issue is with Ally Auto.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TN)

I received a notice that my credit report had changed on XXXX and found that a company named Southwest Credit Systems is trying to collect on a debt that I do not owe. They can not prove I owe it per the Fair Credit Reporting Act. I have received no correspondence in the mail. It says this is for utilities and I have never been late on any utilities.
Consumer complaint received 2024-03-26
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XX/XX/XXXX the same day as the request for services was the same day the contract was to be canceled and rescinded. It is either the sales person that added this to my credit report fraudulently. There is no payment to be made and I asked for the down payment to be recredited back to the credit card used. The service was not needed and there is no employment and it was very expensive and counted a accident within the policy. I stated to be canceled its not affordable for my situation at the time. This collection is a hardship that has prevented myself from obtaining any approval for what I need to survive. I need housing and can not receive it because of this fraudulent collection reporting as a delinquent and thats not fair when it was stated to be canceled the same day.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are reporting false information on my credit report. Improperly providing false information on a person 's credit report is a flagrant violation of the Fair Credit Reporting Act and Fair Debt Collections Practices Act. In addition, XXXX XXXX XXXX had previously deleted the derogatory mark from my credit report however they illegally proceeded to reinsert the false information on my credit report.
Consumer complaint received 2024-03-22
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)

There are many inquires on my credit report that I do not recognize. Last year I had someone open an account on my name. I think all these inquires was from that situation. Here is a list of all the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-21
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. (PA)

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. 
for Account XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX 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 2023-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY (IA)

XXXX did not properly process disputes I had on my credit card ( this is going on a year now ). I am pretty sure why, because they knew they were being sold to Wells Fargo. Now Wells Fargo refuses to even talk to me. I had two people supposedly in the XXXX XXXX named XXXX and XXXX XXXX. I have left them both numerous messages over the last XXXX weeks. I have gotten only XXXX responses from XXXX XXXX and when we talked she did not even realize the extent of the complaint and was investigating something altogether different ) and then I spoke with her XXXX, XXXX XXXX, and XXXX called me once, gave me her email, I emailed her numerous times with all the details and now XXXX will not email me back. I leave at least a message per week for her to call me. And while she appolgized to no end that XXXX did not call me back and told me that is not how they do things at Wells Fargo, XXXX won't call me back either.
Consumer complaint received 2023-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

I had XXXX XXXX, canceled my account, and returned their equipment to them and they still charged me and sent me to collections. 

Collections : Credit Collection Serv Acct # XXXX in the amount of {$400.00}
Consumer complaint received 2023-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AZ)

Starting XX/XX/2023 to XX/XX/2023, I made a series of deposits totaling {$200000.00} from my XXXX business savings and my XXXX checking into a new Citi Accelerate Savings. I am also a Citi credit card holder and opened the account online through my portal The funds were properly transferred by XXXX. 
On or around XX/XX/XXXX, access to my Citi portal was shut down. After approximately 15 phone calls and dozens of transfers, I was told my savings account was shut down due to violations of their terms and conditions. The agent stated I or my wife could ask XXXX to recall the funds. 
The next day we asked XXXX to recall the funds. The funds were not able to be recalled as Citi notified XXXX no funds available. Citi would not tell me why my account was closed nor when my funds would be returned. I also asked for a statement, since I had no online access to this savings account, nor had received anything from them in mail. As of today XXXX XXXX, I still have not received the mailed statement of account nor any correspondence from Citi about my {$200000.00}. I made an inquiry with their executive response team almost 2 weeks ago, but have not heard back. Citi won't return my money, which is essential to my business nor let XXXX recall it. 
I need my money back immediately, it's legitimately mine, transferred from an Arizona XXXX branch to Citi. I need assistance in locating and having my money returned asap.
Consumer complaint received 2022-09-06
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. (SC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. According to 15 USC 1681 : I have the right to privacy and i did not give Experian written permission to furnish these account. 
Account : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2022-09-06
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account ; XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ), XXXX # XXXX ( Experian ), and XXXX  # XXXX ( XXXX ), as well as XXXX. DEPT OF EDUCATIONXXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX. US BKPT CT CO XXXX Reference # XXXX XXXX. U.S. Bankruptcy Court Reference # XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX / XXXX / XXXX / XXXX / XXXX / XXXX / XXXX has 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 an account without my written instructions
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX
Consumer complaint received 2022-09-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

A complaint was filed on XX/XX/2022 with CFPB in regards to Victoria Secret/ Comenity Bank freezing the Victoria Secret Card provided using a SSN. As a Consumer exercising rights put in place to protect against being mishandled by these Corporations should not result in discrimination. Victoria Secret/Comenity Bank has retaliated against a consumer once again for the rights out in place for this very reason. Victoria Secret/Comenity Bank never gave notice of adverse action 15 USC 1691 ( d ) 3 nor did Victoria Secret/Comenity Bank get written consent to close the account. Victoria Secret/Comenity Bank never sent the requested documents such as the ledger, account records notarized by the agent over the account. Victoria Secret/Comenity Bank are reporting to the CRAs without consent.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

On XX/XX/XXXX I checked my credit score on my bank app and noticed my credit sore had dropped over 100 points so I investigated and scene it had dropped due to non payment on a loan to Affirm Inc. I then called XXXX XXXX to report my finding. I called XXXX XXXX again on Tuesday XX/XX/XXXX and was instructed to contact Affirm Inc to report the fraud. I called Affirm and reported the false account my information was taken and I was told the issue would be escalated and I would hear from someone in five business days by email. Five days went by I called Affirm Inc again on XX/XX/XXXX and was given case id : XXXX. Affirm did not have any information other than my name associated with account XXXX and in later calls would not give me any information on the account.
Consumer complaint received 2017-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KY)

My father recieved a letter from CONVERGENT OUTSOURCING, claiming that {$410.00}. The name on the letter is my last name, but not my first name. I checked my XXXX account and it says my balance is XXXX. I even added {$50.00} to the account to see if it would take it, and now my balance is {$50.00}. This is not my debt and I do n't know what recourse i should take.
Consumer complaint received 2023-03-02
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. (TN)

I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues