davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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. (AL)

I have disputing with Transunion since last year with the Bankruptcies that is on my consumer report, yet it still has been a life burden on me and my family. I have disputed the bankruptcies for so long and it aleay came back verified. The method of verification, that they provided to me was thru XXXX XXXX. My credit file has been frozen since last year with XXXX XXXX, and also I have verified thru XXXX XXXX, that I do not have any bankruptcies on my consumer report. On XX/XX/2023 I made a complaint against them to the CFPB and their ( XXXX ) complete investigation came back ( verified ) like always. I have uploaded the documents of the information that I received from XXXX XXXX. This is my second complaint to the CFPB against Transunion. This has held me bound for too long, because of this. I have been trying to buy me a house and this has damaged my reputation. This is a very stressful ongoing issue of reporting inaccurate accounts .This is also a Violation of 15 U.S.C 1681b.
Consumer complaint received 2024-03-30
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (WI)

Today, XX/XX/year> I received a very rude phone call from Ashley furniture representative. She basically dared me to produce more evidence and tried to say that they did nothing wrong. I proceeded to take three videos within a half hour of that phone call and have sent it to them. I want no more interaction with that person or anyone below senior management. They can come get their chair you will see. Its ready to go in the pictures and they can give me my money back if they want to continue to threaten me and escalate this I have no problem fighting back against them. I am hoping for a quick resolution to this as it is affecting my health and my recovery from XXXX XXXX for which they do not care about. 


As I was unable to load the videos, I have provided screenshots that they have received them through email as requested so they can not deny that I did not cooperate.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (CA)

I did dispute this claim that they put onto my account. I am very frustrated because Im not sure why this is there because this is not me and I had to make a complaint on another company as well because Im not sure why this is popping up on my account when there is no proof or evidence that I owe any of this money no signature from me no kind of identity card saying that I owe this money. They just put it on my credit, and I would like remove immediately because it is hindering a lot of things that I need to do with my life stressing me to the point where I will end up in the hospital please remove this stuff off my account. I have tried to dispute it, but they denied it and I would like for it to be removed ability recovery care I dont even know what that is because I dont need any recovery.
Consumer complaint received 2024-03-30
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. (IL)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies concerning reporting, with incorrect amounts and dates.
Consumer complaint received 2023-06-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

tryed to contact to let them know this is not my bill i will say again i have not had a hospital bills in over 12 years this is not my hospital bill if they cant show me my name that i sign with my hands this is not my bill i have been fighting about the credit bureau with wrong name addresses and phones numbersi just got all my stuff straight so please stop lying saying i have a bill when i dont
Consumer complaint received 2023-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

I deposited {$400000.00} by check into an account at Marcus by Goldman Sachs. They took two weeks to clear the check even though the check cleared the originating bank in one day. Then, I was not allowed to withdraw funds. It's two weeks later, and I still can't access my funds.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: VW Credit, Inc (GA)

I am writing to object to the transfer of my vehicle 's title, a XXXX, XXXX XXXX, color : silver VIN # XXXX, from my name to another individual or entity. 

Rights as the consumer/ applicant as stated in FDIC rules and regulations, that I extend my credit to the XXXX XXXX and they violated my right under the Bill of Exchange ACT, TILA, and Sherman ACT. 15 USC 1692 ( f ), 15 USC 6802 ( b ) Identity Theft, Theft, was done by and forwarded my info to XXXX XXXX XXXX XXXX XXXX XXXX  Ga XXXX which they stole my property On XX/XX/XXXX As the owner of the vehicle, I entered into a contract with XXXX located at XXXX XXXX XXXX, XXXX XXXX, Ga XXXX on XX/XX/XXXX. However, I would like to remind you that I never consented to take my collateral/car. Furthermore, you never gave me full disclosure of my contract and you never gave true value and consideration when I signed my note. 

The contract specifically states that I am the legal owner of the vehicle and that the title is in my name. Additionally, I would like to remind you that a UCC lien creditor interest does not supersede an ownership interest. Therefore, any attempt to transfer the title without my explicit consent would be a violation of my legal rights and could result in legal action. 

I strongly object to any transfer of title that does not involve my explicit consent. I request that you take immediate action to ensure that the title is not transferred without my consent and that my vehicle is returned to my possession within the next 10 days. Failure to do so will result in legal action. 

Please keep me informed of any developments regarding this matter. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I contacted Wells Fargo on XX/XX/2023 to report that two transactions I had made on XX/XX/XXXX turned out to be fraudulent. I provided the person I spoke with when I called the details of the claim ; that I had made a purchase that was supposed to be fulfilled within a certain timeframe and it wasn't. Therefore I contacted the sellers customer support through their website and their email, and I didn't get a response for either. There was no sign of tracking or shipping updates, and after further research online, other people were experiencing this as well, so I figured out I had gotten scammed. I also mentioned that on the website, both orders say unfulfilled on their part. The amount of money for both transactions was, ( {$710.00} & {$390.00} ). The person I spoke with, informed me that the information I provided was sufficient to file the claim and get it investigated. I thanked him for his help and asked him if I should also file a police report or submit anything else. He said nothing else was needed for the claim to be processed. So I continued on with my business. Since I didn't receive my money until 6 days after, within those 6 days I was calling the Wells Fargo XXXX number three separate times trying to get a status update or anything but I was not able to reach them any of these times, after being on hold for around XXXX minutes each time. As I do every week, I also went in physically to the bank to make my weekly cash deposits, every time I asked the teller to provide me with a status on the case they told me there were no updates they could give me. Today, I received a letter from Wells Fargo claiming that they are going to charge my account for that money, since they could not get my " side of the story '' or evidence to finish their investigation.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (LA)

XXXX XXXX and equifax have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to XXXX XXXX & equifax false approvals lowering my credit rating and increasing my inquiries.
Consumer complaint received 2023-01-25
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. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-11-12
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aargon Agency, Inc. (MI)

On XX/XX/XXXX AARGON AGENCY INC was contacted twice over the phone to provide -Debt validation letter -Purchase agreement When contacted they refused to provide both and instead asked for personal information. When that was not provided they were as to find account with account number and refused. On both calls individuals spoke over consumer and hung up phone mid conversation without attempt to resolve issue or validate debt. 

Account number XXXX Was flagged as fraudulent and previously reported to CFPB but AARGON AGENCY INC failed to investigate or send correct information. Following the disputes and phone calls company has still failed to provide all requested information intimation Such as Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

I am also requesting Copy of original contract with my signature Copy of payment history Name and address of original creditor Proof of collection authorization The means of which this information was VERIFIED and VALIDATED
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX sent dispute to TRANSUNION to discontinue reporting false info on my credit file hurting my creditworthiness. An investigation was done and the credit bureau says the debt is verified by the collection agency. The collection agency received my dispute and concluded that they donot have any info in their office pertaining to XXXX XXXX or the SS # associated with XXXX XXXX.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TX)

XXXX XXXX XXXX  awarded funds to XXXX for my electric account. XXXX added it to my account then months later took the credit back and made my account negative. They told me they applied the credit to the account on accident and it wasnt meant for my account. This resulted in me owing them the credit plus more for months i thought i didnt owe because of the credit being on the account. Then they sent it to collections and then it went on my credit report
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (KS)

It has came to my attention that some unauthorized inquires were placed on my credit report, I have take proper steps towards this and I am reporting directly now because In accordance with the FCRA section 611, it is a total violation of my consumer right.kindly remove the following inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Capital One on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with Capital One, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Consumer complaint received 2023-06-02
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: Navient Solutions, LLC. (NC)

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 ant payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-06-02
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: Shellpoint Partners, LLC (OH)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 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 an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

NR/SMS/XXXX Account XXXX : XXXX
Consumer complaint received 2023-06-02
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: AMERICAN EXPRESS COMPANY (NY)

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by American Express on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with American Express, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-02
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. (TX)

XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. XXXX, EXPERIAN, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( XXXX, Experian, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.
Consumer complaint received 2023-06-02
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: General Motors Financial Company, Inc. (OH)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 2 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 an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a loan account under an open and consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IM INTERESTED IN DISPUTING ALL INVALID DATA THAT IS HINDERING MY FILE FROM BEING 100 ACCURATE. PLEASE REVIEW AND DELETED ALL DATA SUBMITTED ASAP.
Consumer complaint received 2023-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC (KS)

Approved for loan on XX/XX/23, and have correspondence that should be in my account XX/XX/23. As of writing this on XX/XX/23 I do not have the funds. 

After XXXX hours, Cash Central put a message on their customer service number that says you should expect to have your funds by the end of the business day. That has been up for XXXX days now. 

Upon reaching customer service individuals, there is no current way to cancel because the loan is " in progress '', even though clearly XXXX files have not been sent to the RDFIs. At this point on XX/XX/23, their reps are now leaving you in the queue for an hour and immediately hanging up when you reach the front of the queue. 

I have asked in writing and via phone multiple times for written correspondence of the issue to provide to my financial institution to attempt to mitigate fees, to no avail. I have no recourse to solve this issue at this point.