davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
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)

XXXX XXXX XXXX XXXXXXXX has been paid and closed since XXXX  but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XX/XX/XXXX there was a Wire Transfer of {$36000.00} into my checking account. The person sending the mony made a mistake and said it was a fraud. Subsuquently the funder sent a letter that she was recalling the fraud statement and that they should release the funds to me, dated XX/XX/XXXX. I have communicated with their fraud dept., left messages and they never called me back. I have called at least 10 times and with messages. They sent me a letter dated XX/XX/XXXX, saying they were sending a cashiers check in the balance of what was in my account. I have never received any check from them. I called the fraud dept. and they told me that the money was in suspense. As far as I'm concerned they have fraudulently stolen my money. 
I have all the documentation to prove this statement.
Consumer complaint received 2023-11-06
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX, Acct. # XXXX XXXX, Acct. # XXXX, has violated my rights. 15 USC 1681 Section 602A states I have the right to privacy. 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 then records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2020-12-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant & Weber (CA)

XX/XX/2020 XXXX XXXX TOOK ME TO XXXX XXXX I GAVE MY XXXX AND PITCURE ID TO SEND BILL TO MY INSURANCE, 2 OUR OF 3 BILLS GOT SENT by XXXX XXXX AND GOT PAID THE THIRD GOT SENT TO ME FOR {$360.00}, the hospital didnt know where to send bill to i didn't have an address at the time is the reason this is gone so long without any attention, I should have not gotten this bill in the first place., XX/XX/2020 called XXXX explained the delema XXXX called XXXX XXXX paid the bill i love XXXX XXXX. here is the hard part this bill that wasnt suppose to get to me it did and my credit report is now DAMAGED! i applied on 3 different days for a home loan i was DENIED! DENIED! DENIED! i HAVE TO WAIT 4 MORE DAYS UNTIL THE AGENCY XXXX XXXX XXXX COME BACK FROM VACATION.! I HAVE SO STRESSED OUT AND XXXX.Im upset i didnt get my home loan : ( : ( : (
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  IS REPORTING A ACCOUNT ( XXXX ACCT # XXXX  ) TO EXPERIAN THAT IS STILL SHOWING DERROGETORY INFORMATION THAT SHOULD BE DELETED FROM MY EXPERIAN CREDIT REPORT.

THEY SOLD THE ACCOUNT TO XXXX XXXX, BUT NEVER DELETED THE ACCOUNT WHEN THEY SOLD THE ACCOUNT. THIS ACCOUNT WAS SOLD TO XXXX XXXX  ON XX/XX/XXXX. SEE EXHIBIT ( A ) ATTACHED.

ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX  SENT DELETION NOTICES TO ALL CREDIT REPORTING AGENCYS TO DELETE THE ABOVE ACCOUNT, ATTACHED IS EXHIBIT B & C TO SEE THE LETTERS OF DELETION TO ALL CREDIT BUREAUS.

I CONTACTED EXPERIAN, AND THEY STATE THAT ITS UP TO XXXX XXXX TO REQUEST THE DELETION OF THE XXXX   ACCOUNT # XXXX.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNCOAST CREDIT UNION (FL)

While waiting in line to cash a check i overhear a coversation between a woman and the concierge. The woman says she " only wants to cash a check '' and the concierge explains that she has to go to the window for that, which is the line I'm standing in. After waiting for another XXXX min, when it is my turn to be waited on, the concierge tells the woman, " I will help you '' and the concierge goes to the teller, XXXX, and asks her to process the transaction for the lady waiting instead of helping the next in line. When i approach the window and ask if i need to wait in line or if the concierge can skip the line for me, the concierge shows me the personal ID of the woman who was helped out of turn, in front of me, and says, " look at her, she is XXXX. '' I inform the concierge that i am a XXXX XXXX  with XXXX young children, that like this woman, I am attempting to also cash a check and that they should treat customers fairly. She disagreed and said " come on sir, she is XXXX. '' I said ok fine, i want to close my account and then was escorted to an office by XXXX women who closed the door and started aggressively asking me questions. " Why didnt you ask what was going on before closing your account '' and " why are you making a big deal '' I responded that i was discriminated against, which is against the law for a reason, and I want to take my business elsewhere. 
The manager moved closer to me, stood over me, wearing her sportcoat and a very serious face and told me that she " is personnally offended that i said i was discriminated against. '' As she was a XXXX XXXX, I took this to mean that She feels that as I am a XXXX  XXXX, I am not allowed to complain about being mistreated under the law. I told her that closing the door, physically approaching me, and holding my ID and my personal space as hostage while she yells how offensive i am, is actually threatening me in response to a valid customer complaint. I asked her to open the door and proceed with closing my account. She then said that me saying i feel threatened makes HER feel threatened by ME and that i am again the one in the wrong. I disagreed and asked that they process the account closure, so they did. Then after yelling at me and saying how horrible i was for feeling discriminated against while not being XXXX XXXX XXXX XXXX they all smiled and wished me a great day... further showing what disingenuous liars they really are. Im so glad i am no longer affiliate with a bank that hates me for my appearance!!
Consumer complaint received 2023-08-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : ED/XXXX  # XXXX, ED/XXXX # XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX, ED/XXXX  XXXX has violate 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 2023-02-14
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: CCF Intermediate Holdings LLC (NC)

Please remove from my report any inquiries that do not have an account associated with it. 

I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc. (IL)

I have filed 10 complaints since XX/XX/2023 on CFPB yo receive all documents billed yo me in XX/XX/2023 for {$2800.00} in LEGAL FEES billed to me. 

I LEAGALLY REQUEST ALL DOCUMENTS TO VALIDATE THESE LEGAL FEES BILLED TO ME IN XX/XX/2023. NOT ANYTHING THAT IS NOT THE LEGAL FEES.
Consumer complaint received 2023-08-08
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial  acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX partial acct # 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 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (GA)

I applied for a Discover card balance transfer on the basis of the 0 % interest rate - in the application I had to detail the amount I was interested in transferring. 

I was denied the full amount, but was approved for a partial amount. I was not interested in doing a partial transfer, so when I received the card in the mail, I did not activate it. I did not realize that the balance transfer would automatically go through for a partial amount, as that was not the amount I requested, nor did I authorize a transfer for that amount. 

It did not occur to me that I needed to take any action because in my view, I was not approved. Some time later I went online and found my credit card balance much reduced. I traced it to Discover, and immediately contacted them to get the balance transfer reversed. I phoned several times about it, getting conflicting information each time. On the third call, with my bank on the line as a third party, they declined to reverse the transfer fees saying I agreed to the transfer and there was small print in the disclosure that I agreed to when I submitted the online application. 

I am now on the hook for several XXXX dollars for a balance transfer that in my view, I did not authorize and do not want. Consumers need to be aware that Discover card will lock you into unwanted transactions when you apply for a credit card. There is apparently no grace period to correct misunderstandings that happen during an online transaction and this is an underhanded way to profit off of the unsuspecting consumer.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (VA)

I purchased a mobile app from a company named XXXX XXXX on XX/XX/2022. Upon downloading the application I knew instantly that I would not be able to use this. I attempted to call the XXXX number listed on the sales info, but no one answered this phone. I attempted to call both XXXX and XXXX which were numbers I found for this company of the Internet. Neither of these phones were being picked up. I then called my credit card company, American Express, and disputed the charge. In Virginia, you can cancel a sale within 72 hours without a reason. Somehow, some way XXXX XXXX found that I disputed the charge and got American Express put the charge back on my card. When my credit card bill showed up and this charge was still there I called American Express irate telling them my dilemma and asking that this charge be removed and a second dispute was started. 

As of today, the money has never been credited back to my American Express account. 

I have emails from XXXX XXXX claiming that they have returned my money. 

I am now caught in the middle. XXXX XXXX says they returned the money and American Express said they did not. I want to know what I can do to move this to resolution before handing it over to my attorney where this will get real expensive for one or both of these companies. 

I am including emails I have from XXXX XXXX ( XXXX ) stating that the dispute was found in my favor and they have credited the money back. Of course, upon asking them for proof they say that this letter should serve as proof. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-12-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

My new loan modification 1st payment was to be set for XX/XX/XXXX. 

The new loan started in arrears with 2 payment due on XX/XX/XXXX. 

I emailed them and they said they did not receive the XXXX payment. I told them it was sent in with my closing paperwork via money order. I had to provide a copy of the money order. Then they found it. But the past due for 1 month did not disappear. 

But then stated that is was due for XXXX. I never received instructions or a bill for the month of XXXX. I was in between trial periods. 

I said I would pay it if it is truly due. I asked for an invoice, Then, they claimed it for a returned payment in XXXX I asked for documentation showing the account number etc. They never provided such documentation. Nor did I make any payment in XXXX as it was paid via a money order. There was no payment to be returned. They lie. 

I have been trying to get this resolved since XX/XX/XXXX. Please remove this fake after the fact charges and all late fees associated with it. 

I wrote them back with this information 16 days ago and I have not heard back. 

If I truly owe the money for my mortgage then give me an invoice! 

Stop changing the story. 

I have all the emails documented -- let me know if you need them
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 USC 1681. 
XXXX acct XXXX XXXX XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 a. Stateside have the right to privacy 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a accout without my written consent.

15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any report containing any of the following. Items of information any other adverse items of information. Other than records of convictions of crimes which out dates the report by more than 7 years.

15 USC 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-04
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 have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2022 Reason : I don't recognize this inquiry XXXX XXXX
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

This bank is just unable to do their work properly. I filed a dispute because I went to a gas station to get some gas for my vehicle. I requested an amount ( ~ {$10.00} ), but the merchant charged my card for {$30.00} instead ( I noticed it in their card reader where it desapeared very fast without asking if the amount was correct ; I think the young man in the cash register approved the amount on his side because he was not giving me a receipt, he did that very fast, he was defensive and agitated when I asked him why he charged me the wrong amount, and he refused to cancel it, so I obviously did not take the gas ). I have noticed that this is a common practice of some gas station merchants in XXXX, FL because they pretend they do not hear the correct amount customers request ( several times I have seen this and ), once they overcharge you, they will keep the receipt hoping you will not ask for it and therefore, you have no proof you were overcharged. I filed a dispute, explained all that to this TD Bank, I told them I called the merchant trying to resolve the issue with them and recorded the calls, but they didn't care and only said ''the merchant provided proof '' ... Basically they do not care about their customers issues, but they are always cooperating with those criminals. They never ask me or give me the opportunity to show my proof but always deny my claims. I will gather all the evidence I have to file a lawsuit because they do not comply with the laws.
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

Some time in XX/XX/2022 I closed my account. I specifically asked the Account specialist to verify that my card would keep the same interest rate. They said yes, which at the time was 19.99 %. So, I closed the account. It is now 25.24 % which is 5.25 % higher and has been changing month to month. I have no late payments or overdraft fees. I was under the impression that the interest would stay the same. How can they raise the rate when no new purchases were made? The customer service said they can not change the rate for me when I called on XXXX.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.