davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-21
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: CITIBANK, N.A. (NY)

On XX/XX/2022 Citi made a hard inquiry without my authorization. I am in the process of buying a home and the last thing I would want is a hard inquiry on my credit that I did not authorize
Consumer complaint received 2022-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

My Apple Credit card by Goldman Sachs was restricted because I was having some trouble financially and I accidentally went over my credit limit. 

I paid the balance in full on XX/XX/2022. I originally reached out to customer service after paying this to ask about my restriction being removed and was told a review would be completed by XX/XX/2022. I heard nothing back from the company on this date and after the balance was paid in full I still was still charged {$24.00} in interest on my monthly statement for XX/XX/2022 when my balance was at {$0.00}. 

I paid the {$24.00} In interest even though I wasnt supposed to be charged interest. 

I contacted the company on XX/XX/2022 to ask about the restriction being removed and was told my account is still under review and they were working diligently to remove the restriction. 

I understand these things can take awhile so I waited patiently for another month without hearing anything back from the company. 

I reached out to customer service again on XX/XX/2022 to ask about the status of the restriction being removed. I got the same response as I did back on XX/XX/2022 Someone will contact you shortly Another month went by and I didnt hear anything so I contact the company again on XX/XX/2022. I got the same response the case has been escalated and we will work on removing your restriction At this point it has been XXXX full months that I paid off my card and had a {$0.00} balance and I need to get the restriction removed so I can use the credit card to book a car rental for a wedding because the car rental agencies do not accept debit cards for rentals. 

I called XX/XX/2022 - case is escalated and I will be contacted in 24-48 hours. 

Contacted them again XX/XX/2022 - Once I speak with a supervisor my account will be restored they gave me another XXXX hour window. 

Contacted customer service on XX/XX/2022 - Said wait by my phone I will be getting a call from supervisor in XXXX - XXXX minutes. XXXX hours later I havent received a call so I called back. Manager answered the phone and said there is no time frame but they will escalate my case. 

Contacted XX/XX/2022 - same response my case is escalated and I will receive a call back in XXXX - XXXX hours. 

Contacted XX/XX/2022 - Said they are working on removing my restriction today and will contact me back shortly. 

I still have gotten absolutely no response from Goldman Sachs and it seems like every time I contact them I get the same response acting like this is the first time Ive called them with this issue. 

They wont provide me any information other than we cant give any information but you will be contacted soon It seems like I just keep getting lied to by customer service every time I call.
Consumer complaint received 2024-03-12
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)

Dear [ Credit Reporting Bureau ], I am writing to dispute a late payment reported on my credit report for the [ Account Name ] account ( XXXX : XXXX XXXX ] ). 

I have reviewed my credit reports from all three bureaus ( XXXX, XXXX, and TransUnion ) and discovered inconsistencies regarding this late payment amount due. While your report reflects a late payment on XXXX, neither XXXX nor TransUnion reports this delinquency. Payment was made to the creditor on time and never received a late payment notice Due to this discrepancy, I believe the information on your report is inaccurate. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure the accuracy of information they provide. In this case, the inconsistency across all three reports raises concerns about the validity of the late payment on your record. 

Therefore, I request that you investigate this matter further and remove the late payment from my report. If the investigation reveals the late payment is truly inaccurate, I also request that you update the information with the other two credit reporting bureaus to ensure consistency across all reports. 

In the event you are unable to verify the accuracy of the late payment, I request that you remove the entire ( XXXX : XXXX XXXX ] ) account from my report. 

I have enclosed copies of my credit reports from XXXX, XXXX and TransUnion highlighting the inconsistency in the late payment amounts for your reference. 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX
Consumer complaint received 2022-05-21
Product: Credit card or prepaid 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: Credit Karma (MA)

I contacted credit karma money on XX/XX/XXXX when I noticed over XXXX fraudulent transactions on my account and began the dispute process, I filed a police report proving I did not make these transactions and I was awaiting a police report number and copy to attach to my dispute as it takes a few days for the police report to be ready as soon as I got the police report I emailed back into credit karma to have them attach it to my dispute and noone replied to me. I sent over numerous emails and still received no reply, my police report was never added to my disputes and then about 2 weeks later on XX/XX/XXXX I received and email that my disputes were denied and all of them have been closed. I again tried emailing credit karma numerous times telling them the XXXX transactions need to be re-disputed as my police report was never attached to it and to my avail I received no reply, finally 2 days later I received an email on XX/XX/XXXX supposedly from someone with the disputes escalation team stating " Hi XXXX, Thank you for reaching back out to Credit Karma Member Support. I've escalated your case to our disputes team for further review. 


Please allow an XXXX time to research these transactions. In the meantime, if your issue gets resolved on its own or if you have anything to add, please let us know by responding to this email. 


Thank you again for your patience and understanding as we work together to find you the answers you need. 


Regards, Credit Karma Member Support And again another 2 weeks has gone by and none of my disputes have been re opened nor have I even received a single reply after this last email and I have messaged them over 10 times. Credit Karma money needs to be shut down they are extremely unethical and untrustworthy and is literally ignoring my right to re-dispute my transactions now that I have a police report. I need assistance please.
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-05-21
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. (AR)

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last six months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from experian and I have been complaining about this for 3 months now.
Consumer complaint received 2022-05-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/22 I submitted a complaint to the following credit Bureaus XXXX XXXX Equifax and XXXX stating the the information that they are reporting on my account has been inaccurately reported and needed to be corrected they today XX/XX/22 they have yet to get back to me with a response or result I wish to have the items removed from my credit report for they have been a burden on my financial health.
Consumer complaint received 2022-05-21
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. (LA)

FCRA violations : accounts not mine XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} XXXX XXXX account. {$170.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} Status Collection account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route
Consumer complaint received 2022-05-21
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. (LA)

FCRA violations : accounts not mine XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$210.00} Status Collection account. {$210.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$870.00} Status Collection account. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$420.00} XXXX XXXX account. {$420.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$590.00} Status Collection account. {$590.00} past due as of XX/XX/XXXX. 

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Resident type XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX XXXX type Rural route
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

On XX/XX/2020 this company opened this collection. 


I have never signed any written consent to the collector that I owe this debt. 
This is violating my rights of the FCRA as a consumer. 
I am not aware of such debt that this collector is trying to collect or have received any information verifying ownership of this account. 

Please have this removed on all three major credit bureaus. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (CA)

I received a will produced letter from First National Collection Bureau , Inc. on behalf of XXXX XXXX XXXX and XXXX Bank. 

I have no recollection of opening an account with this company and do not recall making any purchase at XXXX XXXX XXXX for {$120.00} The letter was offering to remove all " {$120.00} '' if I paid them {$56.00}. 


When I looked on XXXX to check for any collections or outstanding accounts, there were none. 

THIS WAS A WELL DONE SCAM. Very scary and very real looking documents.
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX  DATE ASSIGNED : XXXX, 2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2022-05-21
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX DATE ASSIGNED XXXX XXXXXXXX, XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXXXXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2023-03-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I have Police reports i have contacted these credit reporting agencies and told them what ive been through in 2015 i was in XXXX 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 i had no lawyer and received XXXX XXXX years in XXXX while he got XXXX see im tired of being used buy the system i filed a report on my identity theft and i want this all off my reports
Consumer complaint received 2022-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Account is as follow ; XXXX XXXX  Account number XXXX Charge off Canceled debt income '' often referred to as canceled or forgiven debt is something anyone who has debts unpaid, but not gifted, should be concerned with. The IRS considers this income. Income Is not apart of the consumer report. 
In accordance with Fair Credit Reporting Act XXXX account # XXXX, has violated my rights 1. 15 USC 1681 section 602 A states I have the right to privacy. ( a ) IN GENERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an NO OTHER : ( 2 ) in accordance with the writing instructions of the consumer to whom it relates. Did I give you written instruction to furnish this account on my credit report?

2. 15 USC 1681 602 A It also states a consumer reporting agency can not furnish a account with out my written instructions.

3. 15 USC 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I also notice upon reviewing XXXX XXXX accounts are removed from my consumer report but are still showing on my consumer report as well.
Consumer complaint received 2022-05-21
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: Fidelity National Information Services, Inc. (FNIS) (VA)

In accordance with the Fair Credit Reporting act Chexsystems, has violated my rights. 

I have never given written permission for them to have and share any of my information. The following code sections allow me to have all information deleted from my report. 
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 2022-05-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2017-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

I have been banking with Citibank for over 15+ years. In XXXX  2017 Citibank allowed a fraudulent transaction to go through with my checking account. A check was processed/debited from my checking account two times on different dates. The recipient of the initial check might have committed a fraudulent activity by redepositing a check that they deposited two months prior. Citibank allowed the check to clear my account the second time around and has yet to credit me back my money that was clearly stolen from me. It is now the end of XX/XX/XXXX and i have not gotten any feedback from Citibank. I will be removing all my money and changing mortgages once this is finalized. Citibank has shown me terrible customer service in this situation. Utterly disgusted with Citibank.