davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent my letter out certified on XX/XX/2022 they received the letter XX/XX/2022 and they had to sign to receive the letter. The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but I clearly stated not to use eOscar and there is no way they did a full investigation that consumer law states needs to be done. This ground for removal. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to 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. I did not give anybody written instructions.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (MO)

On XX/XX/2022, I am selling a TV ( priced at {$150.00} ) on XXXX. One user ( account name : XXXX XXXX XXXX ) contacted me and offered to pay {$150.00} directly through XXXX. I got an email from a fake XXXX email ( XXXX ), saying the {$150.00} credit won't be available until that user sent another {$100.00} to me. They said they did it and asked me for a refund. Unknowing it is a fake XXXX email, I refunded the {$100.00}. But I got another email from the fake XXXX email asking for another {$100.00} because of the XXXX processing issues. So, I sent them {$100.00} again. 

I checked XXXX 's website, which explicitly said they will not refund me because I authorized the payment even if I am tricked. I immediately called my bank- Discover Bank- who also says they won't refund me because I authorized it.
Consumer complaint received 2019-11-24
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I would like to report this incorrect late remark that shouldn't be in the 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 Year 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  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 homeless XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
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. (IL)

Hi I am submitting this 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2017-09-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carfast Financial Holdings (GA)

I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (CO)

XXXX, Transunion, and XXXX are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked XXXX, Transunion, and XXXX several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$760.00}
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (NC)

On XX/XX/2019. I checked my bank account for my transactions. I found that unauthorized ATM transactions were made on my account over 200 miles away from where I live and work on XX/XX/2019. The transactions totaled including ATM fees of {$740.00} showing 2 transactions on the same day from the same Cash Points machine in XXXX, NC on a day that I was at work with my ATM card in my pocket. I immediately called Money Network to make a report. They canceled the ATM card, issuing me another card and sent me a claim form stating that the claim could take up to 60 or 90 days to resolve. Less than 2 weeks later after submitting the claim form, I received a letter stating the claim was denied. When I reached out to Money Network the Customer Service Rep was rude and said there was no reason for denying the claim. I appealed the denial and they denied it again with no reason and said they were closing the case. I have since made a complaint with the NC Atty Gen office with no response except another letter from Money Network stating the case was denied and being closed. My wife is out of work and we need that money back in our budget asap. I was using Money Network through my job for payroll deposits. I have since stopped my work payroll deposits due to them not honoring FDIC policies to refund my pay due to ATM scammers. I found out online that Money Network does this often to its customers. I found many other complaints on this same issue with Money Network.
Consumer complaint received 2021-12-15
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. (OH)

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 2022-05-25
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. (TX)

XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint with Bank of America XXXX  prepaid card they denied my complaint I put in for reconsideration that as well was denied there's a federal lawsuit against Bank of America right now that they're not to freeze block or deny any claims due to the XXXX fraud A new card was sent out to me but no credits were ever applied
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was the victim of Transunions " free credit report '' scam. They advertise in many many places that they provide a free credit report once a year. I signed up for this and they secretly started charging my card XXXX dollars a month with no receipt of payment and no notification that I was going to be charged for this. I didnt notice the first month that they charged me, so they managed to get {$49.00} from me without my knowledge or approval. They told me I had to input my bank information for security purposes not because they were going to start secretly charging my card. I have attached many images of the false advertisement and I know that they do this to many people hoping that we will just pay and forget about it. They refused to issue me a refund and would only cancel the subscription when I called them. 

There have been many many others who have fallen victim to this false advertising and have been secretly charged a significant amount of money with no knowledge of being charged and no idea what it was they signed up for that caused them to lose this money. 

https : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Consumer complaint received 2022-11-07
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. (PA)

I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

So I have been being with USAA for seven year. I started to notice strange thing happening to my accounts. On XXXX I started a fraud investigation with them and I have been put on hold, hung up on and lied to about XXXX   has been taken out of my account and even with me being calmed about this matter the have caused me to have to moved out of my home bc the refuse to help me while the investigation is being worked on. I have called everyday and all I get it a run around. I have talked to someone I. Every department even emailed the CEO and all the can say is sorry but there is nothing we can do. I have asked for document and they have yet send them. As well I filed a XXXX complaint and nothing. The latest thing that they are saying I am responsible is charges to a XXXX XXXX when the was no debit card attached to the account. It has caused me emotional stress bc this is about to go on for two months now and the are being inconsiderate of a veteran that they are refusing to work with after I have done everything they have asked!!!
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc. (GA)

I had unintentionally provided my employer with an old account info for cash app that I no longer had access to. This was XXXX of 2021 once I realized my error and contacted cash app about the issue it took a couple of days die to the way their customer service is set up they assured me that if I provided a letter from my employer on company letterhead that had specific information about the direct deposit and ach number that the issue could be resolved. We'll once I had that form my employer it was a different story altogether and they stated I'd have to have the issuer reverse the deposit. This was about XXXX by this point in time which was 2 months after.ive tried showing them the original emails where they said they could resolve the issue with said letter but to no avail. This is for a paycheck for over XXXX dollars and it's frustrating for me. All bc I don'have access to the phone or email that I used for that account.
Consumer complaint received 2022-05-25
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. (NY)

I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that XXXX continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the 5 late payments reports are not true. I was given an arrangement with XXXX and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. 

This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have XXXX fix it immediately.