davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

Hi I am submitting this 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 n 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n 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 n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I was trying to get a XXXX car, they did a lot of hard inquiries on my report XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (NY)

When I was trying to get a XXXX car, they did a lot of hard inquiries on my report 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 2021-12-16
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. (TX)

EXPERIAN, XXXX, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because Experian, XXXX, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! 

Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. 

These accounts are deceptive and inaccurate : XXXX XXXX : acct. number : XXXX XXXX, EXPERIAN XXXX XXXX XXXX : acct # XXXX XXXX EXPERIAN- XXXX XXXX XXXXXXXX  : acct # : XXXX XXXX XXXX : acct # : XXXX XXXX AND XXXX online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND XXXX- online in sv : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX- XXXX XXXX XXXX acct. # : XXXX XXXX XXXX EXPERIAN XXXX AND XXXX XXXX XXXX XXXX : acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX acct. # : XXXX XXXX AND EXPERIAN XXXX XXXX XXXX : acct. # : XXXX XXXX AND XXXX XXXX : acct. # : XXXX XXXX- XXXX : acct # : XXXX XXXX XXXX XXXX XXXX : acct XXXX XXXX XXXX XXXX NO CREDITOR NAME : acct # : XXXX XXXX NO CREDITOR NAME : acct # XXXX XXXX
Consumer complaint received 2015-09-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

I have a XXXX mortgage with Fifth Third Bank. I pay more than the min payment each month. I also send in a small payment after I make my primary payment for the month. I specifically write both on the memo line of my check and on the mortgage statement " principal only ''. Every time I do this Fifth Third Bank applies my extra payment to principal. I then have to go through the exercise every month of calling them and making them reverse it. I do n't understand why if the loan is current and the payment has been made I can not make a principal only payment.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

In XX/XX/2022 my debit card was stolen from my cash app account and over {$3000.00} was used and unauthorized on my account. I have contacted Cash App several times trying to speak to them about it and get my transactions disputed and they just put me on hold and never come back on the line or say they will send me an email and I never receive one.
Consumer complaint received 2021-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Hello, I have been on the Experian web site as a member for years now. The past year or so I have been watching closer as to what the outcome is and the ups and downs of my score. 
Tonight is XXXX 2021, I applied for 3 credit cards. XXXX said the reason I was Denied was because I have a XXXX score. 
Experian told me I have a XXXX score. just now I still would not have got the card but a few weeks ago when I looked it said I had a XXXX score. 
Is this the way it is? Up and down all the time. It is XXXX XXXX. 
It should change once or twice a year. 
And why do they tell people a lower score than my incredibly low score. Can you change this to a twice a year like XX/XX/XXXX and XX/XX/XXXX each year. Give people some thing to shoot for. 
The way it is not logical. Thanks for your time. 
Please ask experian why they tell me XXXX and XXXX XXXX Unable to contact them. 
Thank You XXXX
Consumer complaint received 2020-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

There is a collection that just reported to my credit file name is Sequium Asset Solutions for {$340.00} this debt is NOT mine. I called the company, I never even lived at the address listed on this account. This is fraud and I want it removed
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2021-12-16
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. (MI)

On XX/XX/2021 Experian received my dispute in regards to the inaccurate reporting of the XXXX XXXX account for the amount of {$420.00} being reported on my consumer file. I informed Experian that I previously disputed this account and requested a debt validation from XXXX XXXX that was received by their office on XX/XX/2021. XXXX XXXX failed to respond to my request for debt validation and continues to report disputed unverifiable information to Experian. Therefore, I have deemed this account as fraudulent due to XXXX XXXX 's failure to respond and validate the alleged debt. Furthermore, this account has not been noted on my consumer file as disputed by either Experian or XXXX XXXX since the commencement of my direct dispute with the furnisher of information, as well as with Experian. I have yet to receive any notifications or reinvestigation results and this dispute has exceeded its reinvestigation 30-day period which concluded on XX/XX/2021. By law Experian is required to delete this account and has failed to comply with the reinvestigation procedures in regards to consumer disputes as set forth in the Fair Credit Reporting Act and my rights as a consumer have been violated.
Consumer complaint received 2020-09-25
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: TD BANK US HOLDING COMPANY (NJ)

tried to call target cc service ordered a bag from XXXX never received i believe it may have been stolen crime is up by me due to pandemic. i reported it to police i was charged over 180 dollars from XXXX never got back reporting it to XXXX no response. please credit NEVER RECEIVED
Consumer complaint received 2021-12-16
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. (GA)

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY Experian XXXX XXXX consumer solutions
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

Date : XXXX/XXXX/XXXX Attention : XXXX XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX  Regarding 2 Accounts Numbers Below ... Accounts XXXX XXXX XXXX & XXXX XXXX Time after time again I have asked / request in witting a complete full statement from your company with your company heading which since from XX/XX/XXXX up until XX/XX/XXXX I have never been in receive of not been as after the request has been given and submitted by your employees : 1 )  XXXX Employee ID # XXXX 2 ) XXXX Supervisor ID # XXXX My Request has been submitted time & time again for the past FEW years and never have I XXXX ever been able to receive a bill via mail from you .. I know ask that if possible can YOU PLEASE mail me out ALL FULL STATEMENTS FROM DATE : XX/XX/XXXX UNTIL DATE : XX/XX/XXXX Even if able give me access back to the web site of your company computer system where I can obtain them and print the billing statements out myself PLEASE I BEG of you for the 100000 TIMES Since XX/XX/XXXX!!
You have CLOSED my account and NOT given me access to pay YOU for the OUTSTANDING AMOUNTS which you have SOLD off to another company for COLLECTIONS!! Your behavior is very bothersome to me as a citizen of the United States and I know for a fact that I have No Knowledge of any outstanding Debt that You Claim I owe YOU!! Beings that YOUR COMPANY XXXX XXXX XXXX HAS NEVER MAILED ME OUT ANY STATEMENTS TO MY MAILING ADDRESS .. JUST Recently, after your rep walking threw to gain access NOW YOU 'VE BLOCKED me from access the account on your web site!! ALL I HAVE BEEN TOLD IS THAT PAY ON LINE VIA ACH.. directly from my computer to your web site!! I am begging YOU XXXX XXXX XXXX to please give me the statements that you say you sent to me and my request of for ( COPIES of ALL STATEMENTS PLEASE from XX/XX/XXXX too XX/XX/XXXX PLEASE!!! Please send ALL statements as soon as possible and I will be more than happy to pay off what you claim I owe you ... .. NO WORRIES AT ALL!! Please Mail Me Proof of ALL Statements from XX/XX/XXXX too XX/XX/XXXX Thank You Kindly Respectfully : XXXX  cc : XXXX XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX cc : * XXXX XXXX XXXX XXXX XXXX MCM XXXX XXXX cc : MIDLAND FUNDING , LLC & MIDLAND CREDIT MANAGEMENT, INC cc : XXXX # XXXX MCM ACCOUNT # XXXX / Document Types Request : Chargeoffstatemnet cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX
Consumer complaint received 2022-05-04
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. (RI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

Specialized Loan Servicing sent foreclosure papers to us last summer because we are behind on our home equity loan. We tried unsuccessfully to mediate with them. They sent us paperwork on XX/XX/20 which showed that the Principal Balance was {$40000.00}. We asked for a payoff amount and they sent papers to us on XX/XX/20 stating that the payoff would be {$61000.00}! That is a difference of {$21000.00}! That is extortion!
Consumer complaint received 2015-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had ask Fifth Third Bank on XXXX in XXXX XXXX Florida, to close out my account because I had a lot of unauthorized stuff coming out of my account. I went and talked to XXXX in that branch in the end of XXXX of 2010 she was very rude and would not close out my account she gave me no expiation of why she would n't. I had money going into the account every week but they would take out the debts first and then the credit the check. Which caused us overdraft and then they charged all these fees. These XXXX things not closing out my account and take out debts before crediting my checks that went in automatically. Fifth Third Bank charged me {$1500.00} in returned item fee because the would n't close out my account and {$570.00} in overdraft fees. This was unfair.
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMCOL Systems, Inc. (SC)

This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.
Consumer complaint received 2015-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX/XXXX/2015 )
Consumer complaint received 2017-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capio Partners, LLC (SC)

This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.
Consumer complaint received 2022-05-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (AZ)

On XX/XX/XXXX, I checked my account ( including pending charges ) before making 2 transactions. One charge was a payment to my credit card, the other was a debit card transaction. I showed a balance of just over {$62.00}, and my transactions were for {$40.00} and {$20.00}. I checked my account today, XX/XX/XXXX, and there is a service fee on my account, causing a negative balance. The fee shows it passed on XX/XX/XXXX, but it didnt show on the account at all until XX/XX/XXXX, causing an overdraft and likely costing me a {$35.00} overdraft fee for a {$10.00} fee. Bank of the West lacks transparency and should be required to show pending fees, especially when the fee us literally because I dont have enough money going into the account.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CO)

On XX/XX/23 I requested cash out of my cash app account. After I did this I noticed that the money didn't come to my bank. So I looked and it went to debit card ending in XXXX but I don't have a card that ends in XXXX, and I didn't change it. So I messaged cash app and they said the bank rejected it and it would be returned to my cash app in 1-3 day. I also took an extra step to cancel the cash out which seemed to be successful. But I never got the money back... It's been over 2 weeks and cash app continues to give me the run around and every time I reach out they close the case and respond telling me that I did the transaction so they are closing the case. Like they don't understand, yes I did the transaction but somehow someone hacked my acct or something and changed the debit number which since the bank rejected the transaction they should have returned the money like they said they would.
Consumer complaint received 2022-12-19
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. (FL)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$470.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5500.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$3300.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$20000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (CO)

Someone stole my phone and wallet in my backpack while unlocked. Then they made transactions I did not approve. {$2500.00} and {$1000.00} of money that I did not authorize to be spent. I filed a claim and they denied it. Even though it was in a complete different state!!
Consumer complaint received 2022-05-26
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX and XXXX  XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

1. This is not my account 2. I just received my Social Security Card in XXXX of 2022, it's not possible. 

3. I have included proof of Social Security paperwork in attachment.
Consumer complaint received 2022-05-26
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. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions