davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) # # # # # # # # # # XXXX XXXX XXXX # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # XXXX XXXX # # XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some 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 XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXXXXXX .... Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX left my newborn baby, my wife, and myself without electricity for over two weeks while just giving us the runaround. Every day they said they would send someone to fix the electricity until they just stopped answering our phone calls. I finally had an electrician come out and change the main fuse of the house because I work from home, we have a newborn and the house runs completely on electricity, so we were even without hot water. I sent the bill to XXXX and they refused to pay it. I took it out of the rent and they continued to give me late fees. After covid hit, they tried to have me illegally evicted even though I had submitted the covid-19 memorandum. I was already leaving on the move-out date in the contract because they refused to renew my lease ( which is illegal under the covid-19 memorandum ). The day before the move-out day they said I could renew my lease, I said I only need two more weeks and they said that is fine but I needed to sign the contract or they wouldn't let me on to the gated community. On the last day of the two weeks, they came and served me with eviction papers, which I responded to and received a court date. Two days before the court day, XXXX dropped the case ( case number : XXXX ). Then I received a debt collection for {$15000.00} and when submitted the request for verification to Transworld Systems, they only sent me a photocopy of the two-week lease, which I was forced to sign or I would not be able to leave the property and if I did, I wouldn't be able to get back onto it. They are pulling {$15000.00} out of thin air. XXXX is actually fighting a class action lawsuit for forcing tenants to pay out of pocket for repairs on their dilapidated houses.
Consumer complaint received 2022-05-20
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late purpose.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

i have had discover secured card for tow and a half years. The discover credit card has terms that it would be reviewed monthly after the 7 month to see if was eligible to become unsecured and have my security returned to me .The issue I have is that my card remains secured despite an increase in my credit score and on time payments. Customers with similar or worse credit profiles accounts have become unsecured in a much shorter amount of time. I have contacted their customer service on multiple occasions to inquire about this. The reps have told me that I can try to apply for another one of their credit cards or just close the account! I asked for the number to Discover Corporate office  and more than one customer service rep has told me thy do not have it. They did not even offer to have someone higher up contact me or call me back! This is unacceptable!!
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. 
I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! 
The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration  did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! 
Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. 

If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. 


my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... 




Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint regarding a transaction dispute with Goldman Sachs, the issuer of my Apple Card. On XX/XX/2022, I attempted to make a purchase in the amount of {$430.00} at the XXXX XXXX store using my XXXX XXXX. However, the transaction was unsuccessful, and I had to use another credit card to complete the purchase. 

Afterward, I noticed an erroneous charge of {$44.00} on my Apple Card statement, which was clearly an incorrect amount, given the applicable 8.125 % sales tax rate. Upon contacting the store manager, I provided them with the purchase receipt, which was automatically emailed to me at the time of purchase, to highlight the issue. The manager acknowledged the error and promised to forward the receipt to the Sales Audit Team for prompt resolution.

Despite these efforts, Goldman Sachs failed to locate the receipt and deemed it insufficient to resolve the dispute. Moreover, they demanded additional proof from me, even though I had already provided the only evidence available to me. They did not even request the store to provide the receipt for the {$44.00} transaction, which would have been a logical first step in addressing the dispute.

I am writing to request your assistance in this matter, as I have been unfairly burdened with proving the non-existence of a transaction that I did not authorize or make. This request for additional documentation is unreasonable and places an undue burden on me as the customer.

I trust that you will look into this matter and ensure that I receive a fair resolution to this dispute.

Sincerely,
Consumer complaint received 2023-02-13
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. (GA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2023-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have been trying to dispute this debt that I have nothing to do with for the past 5 yrs. I have spoken to the collections company and asked them to verify that the debt is mine, but none was ever sent, all I get is these annoying phone calls from them and it's on my credit report. I would like it removed from my record. If you look at my report I am only acknowledging my XXXX XXXX XXXX XXXX XXXX XXXX and XXXX thats it!. And all of them are in good standing and no problems. I have disputed this debt using XXXX 2 times because when I call the collection company to ask for proof i get nothing. 
I would like to have this debt removed. 
I don't know if this has something to do or done by the same individuals that emptied out my bank account back in 2008 or something I don't recall the date but it's with XXXX XXXX XXXX XXXX XXXX. The bank acknowledge fault and refunded my money because of a breach or leak of information, I am not aware or was informed on how it happened. But since then I closed that account and rarely use my credit card. 

Please Help
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-13
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: DIRECMANAGEMENT, INC. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Furthermore, this account is under {$500.00}, and there is no original creditor listed. Surprise billing act has also been violated.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-05-20
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: EQUIFAX, INC. (GA)

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and injurious to my score. I feel like I'm being taken advantage of for being ignored by my disputes. I feel that this accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts I need this problem get fixed asap
Consumer complaint received 2023-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NJ)

MY lease ender I bought out lease and finaced thru ally on XX/XX/2020,! have been making payments ever since, I rec 'd notification from ally that account was moved to ally auto.com for the servicing of my account I had to use a new website which i could make payments had issue but finally I was able to log on to my account and now it shows I am past due over {$9000.00}. on the phone for over an hoiur disconnect many times no answeres i dont know if they reported this to the credi bureaus. I have not had any claification or corrections to my account getting the run around. I have my note and my payment hisotry which shows consitant payments sinbce loan was orginated They are giving me the run around sopending hours on phone with no satisfaction other then to tell me they are looking into it
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00}.
Consumer complaint received 2022-05-20
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. (FL)

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX. Account # XXXX XXXX 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Ive Ask XXXX, XXXX and Equifax to delete all my old addresses and phone # and to update my information and they didnt 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