davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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. (FL)

Dear TransUnion is recently sent over a complaint telling in writing that there we 're several errors on my credit report. You responded and said theirs not any inquiries on my credit report but I second that. I looked over the credit report today only to notice that these inquiries remained on my credit report. It clearly shows the unprofessionalism on your companies part. This is my third attempt contacting TransUnion by certified mail months ago, also by send a complaint. If this issue is n't resolved in 30days I will be contacting my lawyer to take a civil approach for the damage you 've caused, also with breaking several laws in the FCRA. I sent documents with a police report, certified documents, THE COMPANIES LISTED BELOW : Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Accounts : 1.  XXXX XXXX 2. XXXX XXXX
Consumer complaint received 2022-06-04
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. (TX)

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-21
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. (NC)

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The dollar amounts were manipulated within my account with Bank of America ( checking ). These manipulations also fall under FTC violations as funds in my account were tampered with to reach stated amounts below : The below figures were taken ( minus ) from my account. 

XX/XX/XXXX - {$8.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1.00} XXXX XXXX. Seller Fees XX/XX/XXXX Purchase XX/XX/XXXX - {$2.00} International Transaction Fee XX/XX/XXXX XXXX XX/XX/XXXX - {$0.00} International Transaction Fee XX/XX/XXXX XXXX XXXX  XXXX De XXXX
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-12-18
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: EQUIFAX, INC. (FL)

XXXX REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A FINANCIAL RISK. I CALLED XXXX TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX
Consumer complaint received 2022-12-18
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: ALLY FINANCIAL INC. (TX)

Ally Financial and other companies fraudulently pulled my credit report without my authorization. These unquurues were not authorized and are fraudulent : Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-18
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: WELLS FARGO & COMPANY (FL)

WELLSFARGO REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A XXXX XXXX. I CALLED WELLSFARGO TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (HI)

On XX/XX/2022, I signed up for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to further my education as a XXXX XXXX. The enrollment fee was {$7600.00}, which I agreed to pay over XXXX months. So far, I have made a payment of {$2500.00}. The program focuses on enhancing skills for XXXX XXXX to transition into online coaching. 

However, the course experience has been unconventional, and many of my peers are expressing dissatisfaction regarding the program 's promises of generating monthly incomes ranging from {$10000.00} to {$20000.00}. It seems that the main strategy involves recruiting individuals who are willing to pay the {$7600.00} fee, from which we earn commissions. 

XXXX apparently employed at least one individual posing as a fellow classmate to share a supposedly positive and legitimate experience, while removing any expressions of dissatisfaction from the class recordings. This tactic seemed deceptive and out of sync with the genuine concerns being discussed by the attendees. It was a clear indication to me that XXXX might be just another short-lived scam operation.

Shocked by these discoveries, I promptly requested to terminate my enrollment. However, XXXX demanded an additional {$1200.00} for termination, further highlighting their focus on extracting money rather than providing legitimate educational services.

To exacerbate matters, XXXX swiftly transferred my account to Rozlin Financial Group Inc ( RGFI ) for collection within just a month. Despite my requests to cease communication, RGFI persistently pursued me, even claiming that I owed them {$5000.00}.

In response to these fraudulent actions, I reported the matter to the Texas police on XX/XX/2022. Regrettably, I was advised to pursue legal action through a lawsuit.

RGFI must halt their collection efforts and cease contacting me immediately. Currently, there is an active lawsuit filed against XXXX XXXX, the CEO of XXXX, at the XXXX XXXX XXXX. 

XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Experian continuously reports inaccurate information on my credit report. They keep reporting the name Washington XXXX XXXX on my report, that is not my name, nor have I ever been married. They claim they received this information from XXXX XXXX, which is incorrect. They also report XXXX XXXX  XXXX, that is not my name. 

They are also reporting an address of XXXX XXXX XXXX XXXX, XXXX  XXXX, which it has been over seven years since I lived at this address. I moved out of this residence XXXX of 2015. XXXX XXXX XXXX XXXX, XXXX  XXXX is also not correct, the address contained an apartment number which is listed on the report. 

I also am requesting that the following medical accounts on my report be verified for complete and accurate information and removed if they can not be. I have disputed these accounts and have never received anything that verify these accounts belong to me. 

XXXX XXXX XXXX Account number : XXXX This company is not even authorized to collect debt in the state of Ohio due to not having a business license in the state. 

XXXX XXXX Account number : XXXX
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (OR)

Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and XXXX XXXX XXXX all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX/TRS Services Address XXXX XXXX XXXX XXXX  Date XX/XX/2019 XXXX XXXX Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called XXXX and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX XXXX today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} XXXX. I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The Transunion website ( unlike XXXX 's ) let me create an account to manage freezes to my credit report. But that's as far as I've gotten with it. Transunion ALWAYS reports back that the status of my credit freeze is UNKNOWN and suggest that I try again later. It's been like this since I created the account in XXXX, 2019. The only way I can do anything is by going through long laborious telephone mazes.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased two years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX  daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last May. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate America and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for XXXX.
Consumer complaint received 2024-04-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (IL)

My brother XXXX XXXX stolen me and my wife XXXX XXXX identity and finance a car, credit cards and insurance with TD XXXX XXXX in my name, without my consent, I have tried numerous of time to fix this matter on my own, but TD XXXX XXXX investigate and come back verified, and I ask them how can something come back verified when I did not sign for it and they will say that they have documents with my signature and ID and when I ask them to furnish me the documents I never received them. My brother XXXX XXXX recently just came forward with this information exonerating me from any wrongdoing I faxed over these documents and have not heard back from them.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

On XX/XX/2022 I used the CHIME bank 'Pay Anyone ' feature in an attempt to send money to my wife. 

I used her phone number, as this was an option given by the CHIME app. When I typed her number, her contact picture from my phone came up and I clicked on it. 

I sent the money and she never got it. 

Chime sent the money to another CHIME user who had my wife 's phone number previously. 

They have declined to reimburse me for their mistake.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (TX)

In accordance with The Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681section 602A states i have the rights to privacy. 15 U.S.C 1681 Section 604 A Section @ : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-04
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: TEXAS CAPITAL BANCSHARES, INC. (MA)

On XX/XX/2022 I filled out an application at XXXX, a division of Texas Capital Bank, to open a Savings Account that had an advertised interest rate or 1.25 %. 

On the application I provided XXXX XXXX  my name, email address, date of birth, social security number, and my physical address. 

After submitting the application I received the following message : " Thank You For Your Interest Based on the information provided, we are unable to verify your identity and can not open a XXXX XXXX  account for you at this time.Ref Code XXXX '' Since my identity is relatively easy to verify using multiple data sources readily available to the banking industry, I believe that XXXX XXXX  did not disclose the true reason that they refused my application and the true reason might have been based on the bank 's management superstitions and prejudices against consumers of my class.
Consumer complaint received 2022-06-04
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: Oklahoma Student Loan Authority (CT)

In XX/XX/XXXX, OSLA commenced servicing of ( XXXX ) student loans issued by DEPT OF EDUCATION / OSLA which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the Public Service Loan Forgiveness Program ( PSLF ). As a result, both loans were transferred on XX/XX/XXXX from OSLA to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my PSLF application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, OSLA or XXXX did not report such transfer which continues to show that OSLA is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, XXXX and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from OSLA and XXXX showing a {$0.00} current balance to no avail. I contacted OSLA on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
Consumer complaint received 2022-06-04
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. (TX)

I request copy of permissible permission used by XXXX XXXX XXXX XXXX ( XXXX XXXX and Experian in XX/XX/2017. XXXX doesn't even read requests and complaints but labels as duplicate complaints thus not allowing me to even comment. Experian is responsible to safeguard my personal information but passes the buck back to XXXX who then says they are reporting correctly. What a game for large companies.
Consumer complaint received 2022-12-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (PA)

CFPB Ref No : XXXX & XXXX Ref : XXXX & XXXX Refence XXXX & XXXX AMERICAN EXPRESS CO said " We had permissible purpose to review your credit bureau report, and we handled your applications in accordance with applicable laws and regulations ; therefore, were unable to give you the Platinum Card '' where did you get permissible purpose to review my credit report In accordance with the written instructions of the consumer to whom it relates. Please provide me with written evidence of your permissible purpose that supports your statement. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. on the basis of race, color, religion, national origin, sex or marital status, or age provided the applicant has the capacity to contract