davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
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: CRESCO CAPITAL INC. (GA)

Cresco Capital is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Going through my bank account statement and seen that the Transunion Credit bureau had with drawn XXXX out of my account on XX/XX/2020 I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Mo XXXX I called Transunion ask about transaction they told me I upgraded my account I told them there would be no reason I would do that I had just was trying to stop all the emails they where sending daily Why would upgrade that would make more emails I asked who made the decision to take XXXX out of my checking account and how did you get my account number and how did you .know if I had enough money in that account they said that I gave them my information either on phone online I know XXXX  well I did not they will not give me my money back said i have to go to my Bank that is not right I did nothing my Bank did nothing they got XXXX free sitting lying And I KNOW they got my information which I am suppose to trust I want to sue them which there is filed already for another case with one of those unsecured company 's that say they are secure I really fill safe with this government that that I just said i feel secure was a smart XXXX comment at this time my copier is not working have to buy a new one but as soon as I can I will get you a copy of my bank sccount
Consumer complaint received 2021-01-01
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)

On XX/XX/2020,. {$520.00}, I proceeded to call XXXX to obtain info related to company " TransUnion LLC. '' XXXX  referred me to TransUnion given phone number. I contact TransUnion and I was advised that the information would be removed from my credit report and the account would be sent back to the agency that sent it to TransUnion. Agent refuse to answer question regarding why my rights under the fair debt collection was violated and refused to give me the name, address, or phone number the purchase company from XXXX XXXX. However, the XXXX  and TransUnion both wanted the identity theft report but failed to supply since Covid 19 a email address. XXXX  offers a uploading but, it's not taking my reports and yesterday I recieved another credit alert for this being place again on my credit report as a duplicate collection under dispute. Please see attachment a report from the FTC " Identity theft number and XXXX Police Identity theft number attached
Consumer complaint received 2021-08-30
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. (PA)

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MO)

I request a reconsideration and review of my Apple Card application by a human that was rejected by the automated system. 1. The missed payments were only from the coronavirus shutdown when I was forced off work which Im back working if you checked I havent missed any other payments, 2. The bank account closed is listed in error and was not mine my identity had been stolen. 3. You say my credit limit is too high but XXXX XXXX shows it at only 9 %.
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Since XX/XX/XXXX, my jetblue barclaycard credit card has been set to autopay the full credit card statement from my ally checking account, as with all my credit cards. 

For the months of XXXX and XXXX no purchases were made from said card. 

On XX/XX/XXXX an initial purchase of XXXX was made. This appeared on the XXXX statement with an auto pay date of XX/XX/XXXX. 

A purchase of XXXX was made at XXXX XXXX on XX/XX/XXXX. This was my total XX/XX/XXXX statement with a due date of XX/XX/XXXX. 

On XX/XX/XXXX the payment was attempted but failed to withdraw from my XXXX checking account due to an unable to locate account error. 

On the Statement printed XX/XX/XXXX due XX/XX/XXXX, the payment is listed as successful and is not included in the statement balance. 

On XX/XX/XXXX XXXX was successfully deducted from my XXXX XXXX account, this did not, but should have included the XXXX that had failed the previous month. 

On XX/XX/XXXX Barclays reported a XXXX delinquent trade to the credit bureaus. 

On XX/XX/XXXX Barclays successfully deducted XXXX from my XXXX XXXX account. 

After attempting to obtain pre-approval for a home loan I was notified my credit rating was XXXX, this is a stark contrast to when I applied for pre-approval with a different lender in XXXX and my rating was XXXX. 

On XX/XX/XXXX I called Barclays which acknowledged the mistake and instructed I contact the FCRA, provide them documentation to retract the delinquent account report. This complaint ensued as the CFPB is now accepting FCRA complaints. 

Barclays prematurely reported a delinquent trade for a charge that should have been deducted on XX/XX/XXXX within the 90 day timeframe, additionally Barclay 's failed to contact me prior to reporting the delinquent account before reporting it to the credit bureaus. 

This caused my credit rating to seriously decrease just when I am attempting to get a home loan, causing serious harm to my prospects of being able to get a loan with reasonable rates. Prior to this action by barclays my rating was a XXXX, my new rating is a XXXX. This is the first delinquent report in my credit history.
Consumer complaint received 2021-08-29
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. (NV)

Fraud inquiries on Experian report : XXXX XXXX  XXXX XXXX on XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX/XXXX  on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX  on XX/XX/2021 and XX/XX/2021 XXXX XXXX on XX/XX/2021 and XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX XXXX/XXXX XXXX on XX/XX/2021
Consumer complaint received 2021-08-30
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. (DE)

i, am a victim of identity theft from XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These companies has fraudulant accounts on my profile that needs to be removed immediately.
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I have contacted XXXX and experian numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my XXXX report and 15 hard inquiries on my Experian report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I am trying to get select portfolio to modify my loan and they keep requesting the same information that I have already submitted electronically over and over again. I have spoken to different people via telephone conversation regarding this and no one seams to be able to help. I need some assistance with a modifications on my loan. I lost my job during covid and fell behind on my payments I have now started working and would like to continue making payments to keep my home. Select portfolio keep telling me every week when I call that they are getting ready to take legal action if I do not bring my account current. I am asking to put my past due at the end of my note and allow me to make payments to keep my home. I was told that they are not a mortgage bank and they can not do that..i need someone to assist me with this. It's difficult to deal with this company with all the miss information that the representative give. Seems like everytime I call i speak to someone new who don't know what they are doing.. Please help me with this company. 
I don't want to lose my home please. 
XXXX XXXX
Consumer complaint received 2019-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been a victim of identity theft. I have contacted Transunion and XXXX to disputed the inquires, from fraud. XXXX   concluded the same day I filed my complaint that the inquires were valid. This is not a true statement and how can they investigate so shortly. Transunion I have no luck with either. I reported this when I discovered the fraudulent inquires.
Consumer complaint received 2021-08-30
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: DISCOVER BANK (IL)

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Understand that youre under penalty of perjury also. Discover Financial Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Consumer complaint received 2021-01-01
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6100.00}, {$1800.00}, {$450.00}, {$6400.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX.XX/XX/XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

XXXXXX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

XXXX.XX/XX/XXXXwith ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

XXXX. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

XXXX.XX/XX/XXXXXXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXXXXXX, XXXX with a balance of {$310.00} -This is not my account.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

I should have gotten my SSI check today XX/XX/2020 but my account was closed on the XXXX of XXXX. There was no letters from the bank saying there was a problem. I called the 1800 number talked to four different people. I was told that a supervisor was calling the main bank and they would get back to me. No did so I called back and was told I needed to work with my back about my funds that was in the account. They closed at XXXXXX/XX/XXXX today. So nothing anyone could do. I talked to my bank twice today. No one could tell me why my account was closed. I was told they sent letters out, but they could not find any they sent out. So I can not pay my rent feed myself or my pets and I cant get my truck fixed tomorrow. Had to get a appointment for that. All I was told was they was sorry.
Consumer complaint received 2021-01-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

On XXXX XXXX my XXXX Honda Passport truck was stolen from my apartment. I called Honda and reported it. The customer service rep advised me not to make any more payments, up until then, my payments were on time, even during the pandemic. My next payment wasnt due until XXXX XXXX. I filled a police report on XX/XX/XXXX. The insurance company advised me that itll take 30 days for any payouts, just in case the truck was recovered. It never was. They called in XXXX said I owed {$640.00} ( XXXX XXXX, a then another Honda Rep XXXX XXXX XXXX called me on XX/XX/XXXX at XXXX asking for a payment, for {$5000.00}, I asked them to send me a statement in writing because of conflicting amounts. Then I advised the rep I was recording too and she hung up. Then they called on XX/XX/XXXX, and said I owed {$500.00} for XXXX payment, but would not put it on my credit report, and they would stop calling because they were still waiting for XX/XX/XXXX to finalize the case. They lied, they called again on XX/XX/XXXX at XXXX ( XXXX XXXX, and reported it as late payment anyway, and XXXX XXXX had already paid them as of I still had not received any written final statement from Honda regarding monies owed. I requested that they send me in writing again, any monies owed. In XXXX and the Honda rep assured me it was in the mail. I never got anything. On XXXX XXXX XX/XX/XXXXpaid Honda {$31000.00} the amount they agreed upon, which shouldve included anything I wouldve owed, but all of my payments were current up to the end of XXXX and XX/XX/XXXX when I had possession of the truck. XXXX payment wasnt due until the XXXX. I went back and forth over the phone with Honda about the late reporting on my credit report and also about sending my an itemized final statement. Which as of XX/XX/XXXX, I have not received. I did however receive a letter on XX/XX/XXXX saying that XXXX paid them on XX/XX/XXXX, {$31000.00}. This date is inaccurate. They received that payment in XXXX and I resent them the information again on XXXX XXXX via fax. And they did not send me correspondence on their legal Honda Letterhead. Instead, I received a photocopy of a letter, with no signature or itemized billing. I would like for a Honda to remove the late payment information from my credit report. I would also like a breakdown of any alleged money owed so that this issue can be resolved expeditiously, and without any further tarnishing to my credit worthiness.
Consumer complaint received 2019-09-20
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION, AND BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDI AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a paid membership account with Transunion and I have been unable to file a dispute for the incorrect items on my credit report. 

I've contacted the company twice since XX/XX/2020 and have been told they aren't aware of any issues and that I can place the dispute over the telephone but I won't receive the updates electronically. I want to receive the updates electronically as I travel for work. 

Their website has not accepted electronic disputes for more than a week.
Consumer complaint received 2022-11-01
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.