davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (OH)

In Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX Which was open on XX/XX/XXXX for the amount of {$950.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1300.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$900.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$980.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$2000.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$19000.00} XXXX which was open on XX/XX/XXXX for the amount of {$5400.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$210.00} XXXX XXXX which was open on XX/XX/XXXX for the amount of {$150.00} XXXX which was open XXXX XX/XX/XXXX for the amount of {$140.00} XXXX XXXX XXXX XXXX which was open on XX/XX/XXXX for the amount of {$1400.00} 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 in fair resolution.
Consumer complaint received 2020-08-10
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. (CA)

45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.
Consumer complaint received 2020-08-10
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. (AZ)

Experian credit services are manipulating my score incorrectly and do not have a correct scoring method. I opened a card through them, that there website recommended to build credit and it they took off over 70 points just for that. Over the coarse of 5 or 6 months of good standing i got my score up half of what it dropped. They just dropped another 16 pts today saying that my credit usage went to high which its not because i paid the entire card balance the same day i used it. I pay all my cards before there due and they recently rejected my successful payment for no explainable reason which gave me a late payment, They have mishandled my account and my score is now worse then what it was before i started using them. They do not have a number i can call to talk to an actual human and lead you on over the voice service to just hang up. They keep my score down so they can charge higher interest rates and make more money off me. This needs to stop!
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (NJ)

Have made numerous request and complaints to have a specific purchase corrected. Several months later the issue has fallen on deaf ears and is still outstanding. Purchase for {$1300.00} made on XX/XX/2020 is supposed to be on the 24 months no interest plan! I have been complaining ever since this purchase was processed incorrectly by Comenity Bank and Wayfair! This purchase was placed on a 24 months LOW APR plan, this is not what I selected! 

Immediately, enter a billing dispute for the above and place this purchase on the correct finance plan which is 24 months no interest!
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

I did an online application. I received 3 phone calls from loan depot saying to call them. They received my application. I called them back. The loan assistant verified some info and put me thru to the licensed loan officer. He said that he could not do a loan for me. " The system wont even give me pricing '' there is nothing for you '' cant get pricing. He said i have 78 % loan to value. I asked he how he got 78 % its much lower then that ( loan amount $ XXXX value $ XXXX. ) He said oh! Oh! Lets see, at a 59 ltv. On 30 year fixed would not lower your rate. I said well what would it be.. he said im thinking it would not make sense. I said, what would the rate be? He said 4.250 % ( im currently at 5 % ). On a 30 year ( my lender has put mine to 43 years ) AND he says at the 4.25 % it will cost you 2.25 points. So its going to cost you {$7500.00} to do a loan. ( He was discouraging me so much that it was clear he did not care about XXXX. And was denying me the same financial assistance of a person that has a XXXX, XXXX, XXXX credit score. Certainly appeared that way. So i said, ok lets do it! He says, what? I said again lets do it! He was silent. I said to him after the moment of silence, i said : you dont want to do this loan, do you? Ahhhh ... and we ended the call.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

2 years ago my credit score on XXXX  XXXX was over XXXX and now its XXXX only thing I did was apply for a few credit cards they kept sending offers for on XXXX  XXXX that I was pre approved but my score only went down a couple points and now I have no score how do you lose credit from not using it especially XXXX to XXXX Experian is the same
Consumer complaint received 2020-06-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

PayPal- negative {$7700.00} XX/XX/2020 Transfer Loading transaction details for PayPal- negative {$7700.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7700.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (CA)

Robinhood froze my accounts stating that they need my physical address. I provided my physical address with my identity documents but they are basically demanding that I change my bank statements and identity documents to reflect the physical address. I live off grid in an RV, USPS does not deliver mail on XXXX XXXX XXXX because their vehicles can not safely access the regions. I use a XXXX XXXX XXXXor virtually all of my bills, financial accounts, and government ID for this reason. They are discriminating against me for living in a rural area and trying to demand that I change my ID and documents to a non deliverable address.
Consumer complaint received 2023-05-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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: ENCORE CAPITAL GROUP INC. (CO)

Discovered unknown address in XXXX, GA listed ( from sometimes in XXXX XXXX to sometimes in XX/XX/XXXX ) on my credit report ( reported by Midland credit management/MCM ) when applied for a credit card at XXXX XXXX XXXX XX/XX/XXXX. Discovered items purchased with a fraudulent credit card from XXXX XXXX The items purchased are not ones in the brand I have ever used, and I don't even have kids to be buying children 's stuff. Account was applied in XX/XX/XXXX, by stealing my identity, but with that unknown address in XXXX above. My credit report shows that unpaid debt was charged off on XX/XX/XXXX, and the following month it was sold to MCM above, who also reported the debt ( fraudulent ) with that address in XXXX above. They must have gotten that address from an ID theft who stole my identity, because I wasn't the one opening the account. Filed a claim with both companies within the last month or two, but XXXX wouldn't want to be responsible to fix their report to mark it as fraudulent, and MCM denied the claim and told me to file a police report, and so I did file a police report on XX/XX/XXXX. Also filed with FTC, who is assisting me with a recovery plan.
Consumer complaint received 2020-08-10
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 SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (IL)

On my credit report, I have 11 Open credit account along with 10 Hard Inquiries. I am unsure as to what these inquiries are regarding. Specifically the following XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX These are all a direct result of identity theft, I had my identity stolen in XXXX and have had numerous issues many of which are listed above. Please let me know how to proceed. 

-XXXX XXXX
Consumer complaint received 2020-08-10
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. (CA)

45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.
Consumer complaint received 2020-08-10
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: EQUIFAX, INC. (PA)

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Consumer complaint received 2020-08-10
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)

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Consumer complaint received 2022-05-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Consumer complaint received 2020-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Direct Recovery Services, LLC (MI)

They called my sister on XX/XX/XXXX or XX/XX/XXXX. The called another family member on XX/XX/XXXX. 
Said there name was XXXX and they were leaving a message for XXXX XXXX and that she owed XXXX but they could break it down to XXXX oor XXXX account number XXXX but nothing with who the debt is about. 
I could call them back at XXXX didn't catch it all. but Said they were calling from Direct Recovery Services and i could go on line to contact them.
Consumer complaint received 2023-02-11
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. (GA)

This is my FURTHER Complaint that I was the XXXX XXXX XXXX XXXX Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$620.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

I opened a new account with TD Bank, and had my direct deposit from my check sent to the account to fund the account. I called after my check was paid to me to find out about why I couldn't access my funds. I was told they needed to verify my identity in person, since I opened my account online. 

This would be no problem except closest branch is 3.5 hours away from me!!!!!! 
Why would they allow me to open an online account when they want me to come into an actual branch and they know the closest branch is 3.5 hours away!!! 

They refused to take the hold off my account or to send back my money to my employer, and told me that I would need the employer to reverse the funds. 

I attempted to get my employer to reverse the deposit and they attempted but told me the reversal failed. The amount in questions was {$1600.00}. They are literally holding my money XXXX at this point. 

The account in questions is for me XXXX XXXX XXXX XXXX routing - XXXX Account - XXXX
Consumer complaint received 2020-08-10
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Consumer complaint received 2020-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

We have spent a frustrating portion of this summer attempting to obtain a full accounting of the servicing of our loan and a payout figure effective XX/XX/XXXX. Over the past 3 months, we have spoken to multiple representatives at Mr. Cooper and have sent numerous inquiries through the Mr. Cooper website in an effort to obtain accurate Information. Each time, we request to speak with a supervisor and they have yet to be available or return out calls. Twice we were disconnected after waiting for more than 45 minutes to speak with a supervisor. 
On XX/XX/XXXX, we received an email from the Subordination Department attaching a schedule showing a {$160000.00} balance and a XX/XX/XXXX maturation date. On XX/XX/XXXX we received a second email from the Subordination Department showing a {$44000.00} payout balance and a XX/XX/XXXX maturation date. The following week we received yet another document, dated XX/XX/XXXX reflecting a payoff balance of {$160000.00}. Not only are these values egregiously inaccurate and embarrassingly incongruous, we still havent received the full accounting for the loan that weve been requesting since XXXX. 
Since this loan was originated, we have made an additional monthly payment of principal only in the amount of {$250.00} each month. These extra principal payments should have significantly accelerated the payoff of this loan, but Mr. Cooper shows no evidence that these payments were properly applied and accounted for. Clearly, we have lost all confidence as Mr. Cooper has demonstrated that this loan is being mismanaged and improperly accounted. 
As we continue to be ignored by upper management and receive conflicting information, this correspondence constitutes our final effort to obtain a full and proper accounting of this loan.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.