davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX However, they stated was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (FL)

On XX/XX/2020 I deposited my check of {$320.00} with my cash tips for a total of {$560.00}. 

They told me they'd be withholding my check for over TWO WEEKS before the funds would become available which puts me out of being able to pay my rent for nearly no reason. This check was a payroll check and has no reason to be withheld except for the fact my account is less than 30 days old. 

On top of already making less money due to the pandemic now I am sitting around wondering how I'm going to pay my bills until the middle of the month when my pay check from LAST MONTH finally becomes available to me.
Consumer complaint received 2022-12-28
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. (WA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I went to the atm in XXXX IL to make a deposit of {$1300.00}. Only {$240.00} of that deposit went through and I was spit out a receipt saying that an error has occurred and my atm deposit could not be processed. At a time like this I can not afford to be short of my deposit. I called in regarding the {$1100.00} deposit difference that I am missing, and was told they would issue a dispute that would take 10 days for a provisional credit.. TEN DAYS??? at a time like this? I have the receipt saying there was an error. Why would someone need to wait 10 days to access their money? Isn't there a way of looking at that particular atm 's transactions and see what went wrong? I really need that money ASAP especially with not being able to go into branches etc at this time.
Consumer complaint received 2020-04-01
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: LEXISNEXIS (TX)

FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

The credit reporting company refuses to report my credit report to companies since last year. The are not allowing my credit information to be accessed from the systems. 

I filed a request to fix this and send in all there acquired information. I've call and been told several times by several different people, there working on it now for XXXX weeks. 
I have been told that they're going to fix the information i 24-72 multiple times. and still have not happening. 

Now i can't access reports for work or to obtain. anything from my bank to pay rent. this has been almost XXXX months now. 

I believe it's a retribution for me filing pass complaints with these offices. None of the other reporting companies are having this issue.
Consumer complaint received 2020-04-01
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)

FTC VIOLATIONS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX   Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2020-03-23
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. (NC)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify. if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$670.00} XXXX/XXXX  XXXX {$810.00} XXXX   XXXX {$10000.00} XXXX/XXXX  XXXX {$610.00} XXXX  XXXX {$16000.00} XXXX  XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$890.00} XXXX XXXX  XXXX {$770.00} XXXX/XXXX XXXX {$1300.00} XXXX  XXXX  XXXX {$960.00} XXXX/XXXX  XXXX XXXX  XXXX {$1400.00} XXXX/XXXX  XXXX {$4000.00} XXXX/XXXX   XXXX {$2000.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (OH)

Entered into bankruptcy ( BK XXXX XXXX in XXXX and recently dismissed as of XX/XX/XXXX. Recently notified by XXXX, XXXX XXXX XXXX ( XXXX XXXX ) via letter that they are seeking foreclosure ( on behalf of Wells Fargo ) on a property that was covered in BK XXXX. A loan modification was submitted and approved in XX/XX/XXXX by XXXX XXXX for this property. The Bankruptcy Judge had to approve the loan modification before I could move forward with accepting the loan modification from PHH ( Wells Fargo Servicer ). All payments were made through the Bankruptcy Trustee to Wells Fargo on my behalf as outlined in the bankruptcy agreement. PHH, the Servicer has requested that XXXX XXXX foreclose on my property. PHH is stating there is no loan modification agreement on file. My attorney, XXXX XXXX e-mailed XXXX XXXX the loan modification acceptance letter and a copy of payments made by the Trustee to show I am current in payments. PHH has filed for foreclosure on my property without just cause. Documentation is attached.
Consumer complaint received 2020-03-23
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (CA)

This concerns XXXX a bank with only online presence. 
Upon loosing my ATM card it took XXXX hours to request another one, and XXXX hours to have it authorized. The company doesnt have enough people to answer the phone. And it gives preference based on the amount of deposit with the bank. 
Also, when trying to make a transfer to another bank, it took 3 days, and it was unclear when it would happen. 
This bank doesnt have a brick and mortar presence, therefore it should have an easily reachable presence on the telephone.
Consumer complaint received 2022-12-28
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. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-10-03
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. (SC)

I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX Experian XXXX The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX Federal law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report.

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


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  - Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Neon Newco Corporation (NY)

This is regarding my checking account at XXXX XXXX checking account. There was a {$5.00} inactivity fee debited on my account on XX/XX/XXXX at XXXXXXXX XXXX. 
The term is Inactivity ( after 90 days w/ no XXXX ) {$5.00} per mo. {$5.00} per mo. 
I have a {$25.00} deposit on XX/XX/XXXX at XXXXXXXX XXXX 
Also a {$25.00} deposit on XX/XX/XXXX at XXXXXXXX XXXX 
XX/XX/XXXX is still within the 90 days after XX/XX/XXXX. 
I called in several times and asked about the fee terms, the agents told me that the system is accurate by XXXX. This is no sense since the fee is debited at XXXXXXXX XXXX. Then they say there is nothing they can do. I would like to speak with a supervisor, she put me on hold for an hour but no one took the line.
Consumer complaint received 2020-04-01
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. (FL)

While looking at my credit reports I noticed hard inquiries i did not authorize. These hard inquiries does not relate to any transactions i have. This is clearly a result of identity-theft. Having the following hard inquiries reporting on my credit reports make it difficult for me to get approved for lines of credit. I am requesting that the above listed hard inquiries be deleted. 



1. XXXX XXXX XXXX 2. XXXX
Consumer complaint received 2020-04-01
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. (OH)

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX and SS XXXX.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (MI)

I never received any notification from XXXX and XXXX about this alleged debt - only to find out on my credit report. XXXX and XXXX are illegally reporting this alleged debt on my credit report- have never provided anything in writing to me. When I called to dispute it, they gave me the run around. This has caused my XXXX XXXX to take a nose dive.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

After the Equifax data breach in XXXX I placed a freeze on my credit with Equifax, XXXX  and XXXX XXXX. On Tuesday, XX/XX/XXXX I applied for a COVID-19 Economic Injury Disaster Loan for my small business. In applying for the loan it was stated that my personal credit would be assessed for underwriting. I easily temporarily lifted my credit freeze with XXXX  and XXXX XXXX online. The online method for temporarily lifting a freeze with Equifax could not verify my identity and stated that I had to call their customer service number to proceed. After speaking with three different customer service representatives from Equifax, providing all the correct requested information and waiting on hold for over two and a half hours Equifax refused to verify my identity or temporarily lift my credit  freeze and at XXXX sharp the call was disconnected by Equifax . I do not know what to do. My credit is frozen with Equifax and they have completely locked me out of their system with no recourse. Without lifting the freeze I will not be able to receive a COVID-19 Economic Injury Disaster Loan. Without the assistance of COVID-19 Economic Injury Disaster Loan my business will fail. How is it legal that this company can hold my credit hostage causing my business to fail? They are preventing me from receiving the help being offered by the Federal Government to keep my business from failing during the COVID-19 pandemic. I have a credit score of XXXX and Equifax is holding my credit hostage and locked and I have no recourse. For what purpose do they exist then? What can I do?
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have reached out today to Pay pal credit to request my payments to be defer, due to Corvid-19 we can't work and staying home and almost out of money, I was giving this month with no payment and no late fee, however they will continue to charge interest, how ridiculous can that be with what we are all going thru? We didn't ask for this ... You defer a payment but charge interest that for starter is a very high interest rate. This is not fair to us and all your other customers that are like me or worse, we are asking for help  but this is not helping much, so no payment but the interest is around XXXX or more a month which will increase my balance. Not fair at all! This is just as bad as people gouging prices, truly inconsiderate. 
You people talk about how you are there to help but thats no help you still trying to make money on us.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS XXXX.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS XXXX.