davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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 have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (NC)

This company opened an account using my personal information with no authorization from me. Medical Data Systems has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. Medical Data Systems has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that Medical Data Systems provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and North Carolina State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Consumer complaint received 2023-05-26
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)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

XXXX I had an account at XXXX XXXX XXXX. I had one payment left and Synchrony closed the account, stating items they say were found on my credit report. At the exact same time, they also lowered the spending limit on my JC penny credit card to exactly what I had charged. All of this tanked my credit score! I called and asked them why, complained about their practices and they kept stating something on my credit report, which was NOT true! If I am paying my bills with them, they have NO reason to run my report or to lower the limits. Now that they tanked my credit score, they are doing it againXXXX XXXX is showing that they lowered my limits AGAIN on my JC penny card when I have been making the payments, stating something on my credit report. Each time they lower my limits, it tanks my credit score more and more. I am sure they have broken so many lending rules as well as running my credit report on a consistent basis, when I clearly NEVER signed anything for them to run it-I have looked into locking all of my credit reports so that they can not do this again. Their business practice is in question and I am sure they have broken a bunch of government rules doing what they are doing.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I leased an apartment from XXXX XXXX and leased the apartment from the company for nine months while never being late and never causing any problems with the apartment. The apartment complex had a serve roach infestation issue that could not be fixed. Due to my health issues my doctor informed me i could not be around the pesticides nor the roaches due to them causing me to become very ill. I talked to the property manager several times along with send her emails complaining about the issues with the apartment causing me to become ill. She arranged a face to face meeting with her regional property manager and after me presenting the doctor information along with pics of the issues with the apartment she informed me that i would just have to indure the issues until my lease ended or pay a relenting fee to be let out my lease. I informed her that i am fully XXXX and i could not live under those conditions and so i put in a 60 day notice to vacate and asked her to use the {$500.00} deposit i paid to cover any fee 's that occurred.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (NY)

Hi, AVANT XXXX is inaccurately reporting a balance amount of {$570.00} and {$510.00} on my credit report for an account that has been charged off and resold to another creditor.
Consumer complaint received 2022-12-21
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 XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}. 

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I recently was checking my credit report and found this closed account showing it is a charge off. This is incorrect as the account was fully settled in XXXX of 2018 and account was closed. You can even see this in the payment history provided by the credit reporting services. The Huntington Bank is reporting a closed charge off account, I have sent a letter to Huntington Bank to correct or remove from my credit report. I have still heard no information from Huntington Bank. I want this closed account remove from my credit report This report is fraud reporting in my eyes, Please help this has been a nightmare,.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a master and visa card account with Capital one. I was having some difficulties in 2022. An attorney mistakenly added my accounts to a emergency bankruptcy stay. The bankruptcy would later be dismissed. This mistake led to both my accounts being closed. The accounts weren't closed due to delinquencies. Now one the companies sale pitch is you will never lose your rewards. The company hasn't forwarded my reward balances to me. A XXXX card that was subject to the attorney 's mistake forwarded my rewards balance to me without my request. I'm not sure of my balances at the time as I didn't expect my accounts to be closed. These closures happened around XX/XX/2022. The entity refuses to forward my balances stating some other non communicated rule.
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NH)

I placed a dispute online on XXXXand they completed ( I use the term loosely ) their investigation in less than 24 hours. Both the credit bureau and the furnishers did no investigation. They simply verified what they have as accurate. No investigation can be done on issues in such a short amount of time. XXXX also didn't provide an updated credid report. They simply stated they updated information.
Consumer complaint received 2017-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i
Consumer complaint received 2017-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HOVG, LLC (KS)

This company was told that I was a XXXX veteran and needed to be transported to the VA.They told me the VA would not see XXXX patients and took me to a civilian hospital.The civilian hospital did not know how to properly treat me and I had to be hospitalized by the VA within days.The staff at the VA were angry that I was not brought to my hospital and my care team as I am highly at risk.This company was given the information for the office that handles paying for my care years ago.This credit company just started trying to charge me for this by phone in the last 2 months.
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (IL)

I asked for a refund for payments made during the payment pause in XXXX. I called XXXX and AidVantage. AidVantage said I had to go through XXXX. I was quoted 4-6 weeks for a refund. XXXX automated recording acknowledged my request until XX/XX/XXXX. I spoke to XXXX who said all information has been transferred to AidVantage. I called AidVantage and started the process over requesting a refund on XX/XX/22. They entered my request and said it could take 8-10 weeks. I called at the end of 10 weeks and was told 12 weeks. I called again at the end of 12 weeks and was told it could be an additional 10 weeks. This is unacceptable!
Consumer complaint received 2022-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AR)

My name is XXXX XXXX I am a square user and I've used square to process payment for my XXXX XXXX business. My email address with Square is XXXX On XX/XX/XXXX, Square deactivated my account and told me I would only be able to have access to my money on XX/XX/XXXX. 

Up till now, I have not received email from Square stating that I can withdraw my money. They have stolen my Money and kept it for themselves. 

I have tried several times to resolve this issue with this company but they said that I should go to XXXX that they won't give me back my money as said by a square employee on XXXX. 

I have contacted square on XXXX and also sent email and they said they will not give me back my money. 

I want to receive an email to withdraw this money and I also need an apology from Square. I have attached a copy of email from square which they said my funds would be available from XX/XX/XXXX, but they have not honored that agreement. 

The email address associated with my Square account is XXXX XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On XXXX the XXXX 2022, I deposited a check for XXXX dollars to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. The teller informed me that the bank was going to hold my funds for XXXX business days. 
The receipt I was given states that the hold is the result of my having overdrafted my account multiple times in the last XXXX months. I called the branch I made the deposit at the following morning on the XXXX and spoke with XXXX XXXX. I asked if some portion of the funds could be released and XXXX XXXX explained to me that no portion of the funds will be released until the XXXX of XX/XX/2022 and nothing could be done. I looked through my bank records and found XXXX overdraft that was a result of my having insufficient funds from XX/XX/2022. XXXX XXXX told me that the hold was a result of the bank the check was drawn on and not because of my overdraft. 
I worked hard for my money and was depending on it for the care of my family and the purchase of XXXX gifts. The idea that a bank will hold my money to punish me and my family because I can't afford to save money is reckless and immoral. This decision by the bank has ruined XXXX.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2024-03-28
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. (MD)

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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-05-26
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: Advanced Resolution Services Inc. (GA)

On XX/XX/2023, I sent in a letter to requesting Advance Resolution Services ( ARS ) to verify a Bankruptcy they are reporting on my credit report. On XX/XX/2023, I was notified of the results into this investigation. The investigation concluded by stating the bankruptcy was properly associated with me and cited its information came from The United States Bankruptcy Court Middle District of Georgia. The same United States Bankruptcy Court Middle District of Georgia also verified they don't furnish any information to any credit bureaus. For Advanced Resolution Services ( ARS ), a credit reporting agency, to verify information contradicting signed documentation from the United States Bankruptcy Court Middle District of Georgia for it's own financial agenda is a complete violation of my rights. I intend on holding ARS liable for any undue hardships received on my behalf.
Consumer complaint received 2024-03-28
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX CRED Account Number : XXXX Account name : XXXX FUNDING Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account Name -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number 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 a account without my written instructions.
Consumer complaint received 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NM)

I have all ready sent in my request to the US Department of EDU to have my loans removed from SS # as i meet the facts and circumstance for forgivenss in section 685.206 Bowers responsibility and defense. 

Facts and Circumstance upon enrolling in school and through out my entire education process I was encouraged and guided by the financial aid off to pursue a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. they said i would always have gainfully employment and financial resources. However I made no secret as to the troubles and prochoice i made as a young man that i believed would not allow me into that profession. I was reassured that would not be the case. My assumption was correct. I have been terminated/ let go from every firm i have worked for the following Facts i was uninsurable, Could not pass a background check but most importantly i was and continue to be denied to sit for the XXXX XXXX 

if needed please reach out privately and i can provided reference that can substance the above Facts. By there individual. XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and one family member
Consumer complaint received 2023-02-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number 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 a account without my written instructions.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (TX)

Roughly about 6 to 8 months ago, I inquired and successfully was approved upon my submission of an application through major retailers store XXXX XXXX XXXX. I was approved for Apple Card offered through XXXX XXXX XXXX for qualifying customers upon meeting eligibility requirements. I did not authorize or pre-authorize any transactions or charges upon the opening of my account. Months later, I attempted to make a purchase using my Apple Card and associated Apple Card account. A few more months later, again I attempted to make another purchase and again my transaction was unsuccessful. I have reached out to Apple Card specialist and Apple Support teams and neither have been able to address the issue more so resolve my issue. The issuing bank 'Goldman Sachs ' disclosed to me that my account had been closed but did not specify the reason as to why it was closed. I did not authorize anyone on my behalf or on the behalf of the accountholder, which is a sole individual account, I am now trying to make a purchase for a product offered through XXXX XXXX XXXX for Academic Educational purposes. Any information you may inquire is solely at my discretion and I will be more than glad to provide any additional information. The problem is now I am trying to use my Apple Card to make a purchase but because of the unauthorized account closure, I have failed to proceed in making my transaction. My issue has not been resolved. I would appreciate any feedback or any solutions that the CFPB may offer or have on my behalf.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.