davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXXXXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00}
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On my credit report it is saying I haven't paid for my vehicle since XXXXXXXX XXXX XXXX when it was repossessed for losing employment due to covid. Now my subframe is rotted off my car and is no longer safe to drive so I am paying for a vehicle I can't even use. Can't get another loan or into another vehicle because my payments are inaccurate.
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I am writing in response on recent communication with the Better Business Bureau ( BBB ) in which XXXX XXXX XXXX claimed that I am not a customer or client of respective credit reporting agencies. I am deeply surprised by this statement, as it contradicts the presence of a collection account on my credit report, which clearly indicates that they have my personal information. I have attached a copy of the response to the BBB for your reference. 
I would like to reiterate that despite your assertion, I indeed have a reported collection account on my credit report, which is impacting my credit score and financial standing OVER 1 YEAR. 
This information not only implies that I am a customer or a client but also raises concerns about the accuracy and legitimacy of the reported collection account. and express my deep concern regarding the presence of a falsely reported collection account on my credit reports maintained by both XXXX and XXXX. Despite providing evidence to support my claim, I have yet to receive a satisfactory resolution to this matter and the removal of the inaccurate information Immediately
Consumer complaint received 2022-10-19
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. (NV)

Hello Yes Im having trouble with the XXXX major credit bureaus. you guys are not conducting reasonable investigations on Fraud Accounts. 
XXXX XXXX XXXX XXXX XXXXXXXX Does not belong to me.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CA)

I took my cat to the vet and then applied for care credit and synchrony denied me but i submitted the application and I am the XXXX  XXXX. this account is prepaid. I can not be denied an extension of my own credits. READ fed reserve act section 16 part one and 2. FR section 29 bill of exchange and 18 usc 8 all debt public and private is obligation of the united states. I am the agent on behalf of the consumer. They are withholding my right to credits and withholding my securities is securities fraud on top of being discriminated against.
Consumer complaint received 2023-08-10
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd ()

Wise notified me on extremely short notice that they would be changing my domestic USA wire details to a new account. I notified my employer, however they did not update the details in time and my salary payment was sent to the old Wise account details. 

It has been over one month now, and I still have no idea where the money is. Wise said that the money would be 'automatically returned ' after 14 days, but it's no where to be found and my employer has told me that the money has not bounced back or been returned at this point. 

I have also called the receiving bank that Wise were using ( XXXXXXXX XXXX & XXXX ) but they have not been helpful in locating my money or returning the wire.
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX  Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (CA)

I inherited my mother 's home in XXXX XXXX, which included the mortgage she had with US Bank ( It's US Bank mortgage account XXXX ). I notified US Bank of my mother 's death in XXXX and US Bank made me the successor on the mortgage. I made all the payments of principal, interest and escrow until XX/XX/XXXX of XXXX, when I paid off my deceased mother 's mortgage entirely and twice told US Bank to issue the escrow refund check in MY name and not my deceased mother 's. 10 days or so later, I received a check for my escrow made payable to my deceased mother. I called the bank and told them to reissue the check in my name. Nothing happened. I called the bank again remade the same request, was told the check would be reissued in my name and again nothing happened. Today I called the bank and told them to reissue the check and was told they could not reissue the check until 30 days passed. This is obviously an illegal tactic for the bank to hold onto it's mortgagor 's money for as long as possible. It's US Bank mortgage account XXXX
Consumer complaint received 2023-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (FL)

On-Line bank MARCUS, division of Goldman Sachs XXXX Deposited {$30000.00} to try a new online bank. Took 7 days for them to make my funds available. On XX/XX/2023 I wanted to close the account and return the funds to my original bank. Next day, XX/XX/2023 they locked me out of my account! Could not log in and got message " Your account is Locked ''. Called XXXX on XX/XX/XXXX - on hold 30 minutes. Rep told me they stopped the transfer and now have to reverse the reversal, whatever that means. I'm still locked out of my account and they have my {$30000.00}. No brick and mortar to go to for help. They are saying possibly 5 working working days to reverse, then another 5 working days to reverse again. What they are saying makes no sense. 

1. When a bank transfers money it is ACH - once they hit the " send '' button it is out of their account and usually within 2 days funds are received by the receiving bank. 

2. They are are in possession and liable for my money while it is in their bank. I can't wait for 2 weeks, the call the toll free number again and try to explain everything. 

3. I'm out of $ XXXX unless you can intervene. Two weeks ago, the XXXX XXXX XXXX did a write up on XXXX and most people were having the same issue, accessing their funds. I need for the Consumer Finance Dept to contact them, as this is happening on a wide scale. It appears they are holding vast deposits with many customers and benefiting my drawing on interest while telling customers the funds are " in transit '' 4. Finally, if you go to their web site, it clearly states " One day transfer for funds under $ XXXX '' - this is misrepresentation and they need to be penalized for this falsehood.
Consumer complaint received 2023-12-08
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. (MD)

XXXX app alerts have been popping up with XXXXXXXX XXXX XXXX XXXX Saying my information is on the XXXX XXXX and to change my passwords on my accounts. I don't recognize these inquiries so please have them deleted from my reports. TransunionXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX2019 my XXXX XXXX bankruptcy was discharged. According ton the US Bankruptcy Court XXXX XXXX of Michigan this information shouldn't be displayed on my credit report. Ive sent letters and proof from the bankruptcy court but they refuse to removed. This information is improper use of my credit report.
Consumer complaint received 2023-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (WI)

This is a old debt from XXXX SC and is now handled by XXXX XXXX XXXX ( collection agency ). The medical company XXXX SC will not provide a itemized bill, or state anything more than XXXX XXXX. This was from an emergency visit some years ago. The hospital bill was paid via insurance leaving a remainder that was paid by me. My out of pocket expense, that was paid by me, was just over XXXX for the visit in total. I was told by the hospital that the bill was complete and i should not of received any additional billing. XXXX has ignored my requests which have been via phone call and letter. I have no problem paying a bill, if i know what it is for. XXXX SC refuses to say what this XXXX and some odd dollare bill was for in regards to the visit.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I was in XXXX  around XX/XX/XXXX and got XXXX around XX/XX/XXXX. Before I went to XXXXXXXX I had a debit account at this ( bank ) XXXX XXXX. After I was release I found out my debit acc was closed and there was a credit card open for around {$570.00} of debt and it was charged off. This was not me and I believe this is fraud. I contacted the company, they sent me fraud papers, I filled them out and mailed them. But after a few months I didn't get a response back. I'm filling this out because of experience to increase my credit score and this is still on my profile.
Consumer complaint received 2023-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BHA Services (CA)

BHA Services sent a text message to my personal cell phone trying to collect a debt from my deceased mother. She has been dead for XXXX years. I personally paid all of my mother 's outstanding debts through CA probate process. This company should be severely fined for their disgusting, deceitful, illegal trade!
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (OK)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX  card is paid in full I had agreement with the company for a paid to delete in which I did it this negative impact is stoping me from purchasing a home in which I need to do and very important I purchase a home this is a violation XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Today, after receiving an email welcoming me to subscription streaming application, and having other recent suspicious activity, I started to think I may be vulnerable to identity theft. In being proactive, I have contacted the 3 credit bureaus. I have several complaints about TransUnion. 
1. When looking at my credit report, I discovered that I am able to get my XXXX from XXXX XXXX for free, but must pay TransUnion {$9.00} for the same information. Calling TransUnion confirmed this. They confirmed the security freeze is active and a new fraud alert, through XXXX, would be put on my account. 
2. When looking at my account inquires ( both soft and hard ), I discovered 2 soft inquiries done XXXX and XXXX, both from TransUnion. This puzzled me. I called them, and the gaslighting began. I have spoken to 5 people at this agency. This is the jest of what I heard them explain why TransUnion is pulling a inquiry : Since I have an account with XXXX XXXX, they have pulled the report, after it was requested by me ( through XXXX XXXX ). How would TransUnion know if this request was made to XXXX XXXX? I was told because they are the affiliate. The thing is I never did make this request through XXXX XXXX. I've been using XXXX XXXX for years, and never had an inquiry. Is this a coincidence that I have reason to believe my identity has been compromised and these " soft '' inquires are showing up? Who else are their affiliates? Also, I have a freeze on my account for almost a year. How is it that inquires were made at all? No reasonable explanation is provided. 
Here are the lines from Account Review Inquiries : " TRANSUNION XXXX XXXX XX/XX/2023 ( my name ) via XXXX XXXX  XX/XX/2023 These above examples are the first time this has been done. 
3. I understand it is my responsibility to monitor my scores. I do that. But to think TransUnion ( a monitoring agency ) is pulling a soft inquiry. It alarms me. 
4. TransUnion makes me pay {$9.00} for each report. Access to the score online is NOT an option, unless TransUnion gets money. Without paying, I am left in the dark of any changes. Given the recent events, I would want to check it regularly. It is outrageous that a monitoring agency would charge this much. I have to wonder is TransUnion part of the identity thief ring. Pay or get you identity stolen. Isn't that why we monitor so these thieves won't steal money? Seems to me damned if I do, damned if I don't.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (TX)

It appears that 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 are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-18
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. (AZ)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.