davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-10
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. (MI)

TransUnion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. 
I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit, also has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XX/XX/XXXX, ve already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Consumer complaint received 2020-09-24
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. (MS)

This is my second dispute to remove this inaccurate information from my credit report. These collections company are claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with them. Also, because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before they collect any information about me, they have to get my authorization to access my credit report for any reason. They didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

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 2021-12-14
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (NC)

I opened a new account with Sun Trust bank on XX/XX/19. I deposited {$1000.00} in cash and a check from XXXX XXXX for {$3500.00} for a total deposit of {$4500.00}. I asked if the check would be " held '' since it was a new account and was told there was no way to know but to check my online account on XX/XX/19.  When I attempted to open my online account, I got a message that said the system was " temporarily not available and try again later ''. After attempting that for several hours, I called Sun Trust and was informed that the account was under review to be closed and they had the right to close the account for any reason or no reason and that was part of a disclosure I would have signed to open the account. I was also informed that it would be 7 to 10 business days before I could get this resolved. I went to the local branch that same morning and spoke to the customer service associate who had assisted me on XX/XX/19. He informed me that the check had been flagged as possibly fraudulent by some entity that all banks belong to. He said the account had been placed in a " no deposit/no withdrawal '' status and there was nothing he could do. OnXX/XX/19, I called the customer assistance line and spoke to a supervisor who essentially said there was nothing she could do but she would refer it to the appropriate department. I called XXXX XXXX on XX/XX/19 and  asked them if they know of any reason there would be a problem with the check. They said no but they would get back to me. On XX/XX/19, I got a voice mail message from Sun Trust  providing me with the name of an individual who was going to work on my case and gave me the phone number to call to speak with her. I called daily and left messages but no response. Also, on XX/XX/19, XXXX  XXXX  called and informed me the check had cleared their bank and been paid. So at this point, Sun Trust has {$4500.00} of my money but refuses to even discuss the situation with me other than to say they are following their rules and procedures. On XX/XX/19, I received a letter via US mail that stated the check was being held because the bank had " confidential information '' that the check may or may not  be paid. On XX/XX/19, I had another conversation with a Sun Trust supervisor who told me the check had not cleared, that the account was under review to be closed and it could be 25 days before it is resolved. On XX/XX/19, I went back to the local branch and spoke to the branch manager. I  provided him with a copy of the check showing that it had cleared and other documentation. He stated he would attempt to get this resolved but couldn't guarantee it. 

Bottom line, I deposit {$4500.00} in good faith and Sun Trust is holding the funds even though {$1000.00} was deposited in cash and the check cleared on XX/XX/19.  They are currently stating the account is " under review '' to be closed and once that is decided they will start the process to potential return my funds but it could take 25 days.
Consumer complaint received 2017-11-08
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. (NC)

I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, Experian then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX XXXX i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
Consumer complaint received 2022-05-25
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2017-11-08
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)

Inaccurate Consumer Statement : " Your TransUnion credit report contains the following Consumer Statement. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (HI)

I have read the response from Cashapp and they are lying about what they are telling you. They do not want to give me all my money back, even though they gave me a little bit of it back. They say they put it into my XXXX debit card ending in XXXX and I'm going to have to get the monthly statement for XXXX and you will see there is no deposit from them, not one. When they gave me back the little bit of money they gave it to me on their app. Also the first thing they did was put it in my XXXX XXXX bank account and then took it out of my bank account which I was very upset with XXXX XXXXXXXX bank. How could they do that? I'm in the process of closing down that account, I'm just waiting for cash app to pay me back my money. So what happened was I was sending my brother XXXX dollars through cashapp at XXXXXXXX XXXX  Hawaii time and he said he did not get it. Then he said to get it immediately I had to send XXXX dollars so I then sent XXXX at XXXX he still did not get it so I sent it XXXX dollars at XXXX he still did not get it so I tried again and cashapp stopped me from sending money. It wasent until the next day when I noticed that the debit card ending in XXXX was up there and that debit card is not mine and that is where the money went. I immediately took it down. That is where this story stops for this amount of money. The other transaction are N/A. I do have my monthly statement from XXXX XXXX  bank and they through a curve ball with their response saying they gave me the money to my XXXX debit card. While I reached out to XXXX for my statements, I don't have XXXX but I will get it. They are totally lying when they say they gave it to be by way to my XXXX debit card ending in XXXX. They owe me And they know it. Why give me half my money and not all of it.
Consumer complaint received 2023-02-06
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-14
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On XXXX cashapp took XXXX from my account and XXXX they took another XXXX frome me and said they had an error and I feel it's not my fault they had an error and I would like my refund.
Consumer complaint received 2023-05-15
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: Block, Inc. (AZ)

Cash App- Back in XXXX I made purchases from XXXX for grocery delivery. My groceries were delivered and XXXX was paid. 

XXXX now and Cash App double withdrew the funds from XXXX in XXXX. I contacted XXXX to confirm they recvd their funds in XXXX. They confirmed. 

I reached out to Cashapp and disputed and sent proof XXXX does not or has not requested to be paid again as the debit was already settled. Cash app declined my dispute and when I requested information as to their investigation they couldn't provide me with information.
Consumer complaint received 2017-11-08
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 (IL)

I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX XXXX pulled my credit on XX/XX/XXXX XXXX pulled my credit file on XX/XX/XXXX XXXX XXXX pulled my credit file 3 times on XX/XX/XXXX XXXX  pulled my credit on XX/XX/XXXXXXXX  XX/XX/XXXX
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WI)

I have tried to contact Midland Funding over 10 times in regards to a debt that they sued me for ( and won a default judgement. ) I am trying to eliminate the associated lien on my property and Midland has not even responded to my REPEATED requests. I have called them on the phone numerous times and sent them email, XXXX letters and filled out forms on their website. 


I need them to release the lien on my property IMMEDIATELY and report to the state of WI that all of my judgement has been satisfied.
Consumer complaint received 2017-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (CA)

V original contract between myself and XXXX States the following, By 4 lines for {$XXXX} extra line for {$XXXX} a month a limited talk unlimited text unlimited Internet. 
Account was closed on XX/XX/XXXX all bills then paid attachment bill and receipts. 
But I have notice to cancel all services On XX/XX/XXXX Stated and lost monthly bill statement. 
Cancelation shows under current charges total monthly bill for XXXX was XXXX Attach is a copy of the bill and receipt as stated shows Cancel next bill highlights. 
Received another statement for the most of XXXX shows {$75.00} per line a total amount of XXXX For a Canceled service. 
Contacted XXXX to resolve the subject they do not have a collection of the account. 
I was harassed by several collection agencies to collect a debt For a service I canceled 2 months prior.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1300.00} Account number XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this information has been reported and don't belong to me in results as fraud
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian and XXXX are now reporting the account starting with XXXX on my credit report as an account that was in collection in XX/XX/2021. ( Please review attachments ) I have disputed that this account is not mine and no one has provided me any documentation to support the account belongs to me. But now the account was in collection last month. I have no accounts with XXXX that are in Collections.
Consumer complaint received 2017-11-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (MI)

LJ Ross send a notice on XX/XX/2022 that does not comply with 12 CFR 1006.34 The notice does not include the account number provided by the creditor the purpose of which is to permit the accused debtor to identify the debt per 12 CFR 1006.34 ( c ) ( 2 ) ( iv ). Instead it only includes the optional reference code permitted by 12 CFR 1006.34 ( d ) ( 3 ) ( ii ).

The notice does not include the name of the creditor per 12 CFR 1006.34 ( c ) ( 2 ) ( v ). Instead, the notice provides a name that is not a legal entity under Michigan law. 

For example, while the notice references " XXXX XXXX XXXX XXXX XXXX '' there is no corresponding amount due on the purported creditor 's accounts with XXXX XXXX so the actual creditor must be a different entity than XXXX XXXX proper. 

From the provided information, the purported debtor is unable to identify who the creditor is or any account number to reference in order to attempt to correlate the notice with a statement or creditor. 

The undersigned has been in contact with XXXX XXXX proper for over six months regarding insurance billing errors on the part of XXXX XXXX which have still not been resolved and have been provided representations that until resolved accounts would not be sent to collections. The creditor would provide partial payment for amounts not in dispute, however XXXX XXXX will not allocate payments to certain designated invoices and for that reason the creditor is unable to pay because payments may be applied to disputed amounts.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (GA)

I have had a dispute in since XX/XX/XXXX for XXXX XXXX for {$440.00} ( XXXX ) I was charged for a flight that was cancelled and I sent so many letters explaining this and I 'm getting the run around. when i called XXXX i was told i was n't charged but I show different.I have been going back and forward witht he dispute dept. with no help to getting this fix and we are now in XX/XX/XXXX and this charge happened in XX/XX/XXXX.