davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (GA)

XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.
Consumer complaint received 2019-01-24
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)

I tried to get a new and I was denied. I ask to speak with the finance manager and he went over my report with me. Its several things on there that are not mine. Please remove from my credit so I can get a car to get to and from work. Here is the accounts : 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. 

I dont know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Transunion, This Collections Account XXXX is XXXX. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide XXXX XXXX Accuracy. 15 USC 1681e ( b ), Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FUNDING IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS ACCOUNT.
Consumer complaint received 2022-10-27
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( XXXX ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX
Consumer complaint received 2021-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WA)

I received a letter from CBE group on XX/XX/2021 claiming to have an unsettled debt, originally from XXXX XXXX. They listed the original creditor as " XXXX XXXX '' and the current creditor as " XXXX XXXX XXXX XXXX ''. I have not received any prior correspondence from any of these entities. No other details about the alleged original transaction are given. No dates, original amount allegedly owed are provided. I have never in my entire life had any service nor completed any transaction with/through XXXX XXXX XXXX This is the first time I've received any notification of this alleged debt in any capacity from a collection agency, nor have I received any notification or bill from XXXX XXXX at any point. The letter explains I must send a letter disputing the charge, but that this will only " provide me the name and address of the original creditor '' but not correct the error. 

I have mailed a letter refuting the debt to the collector on XX/XX/2021. 

I filed a letter of complaint with the Office of the Washington State Attorney General. 

When I called XXXX XXXX on XX/XX/2021 and explained I have been fraudulently charged or a victim of identity theft, they verified there was an outstanding debt tied to my social security number, then told me to contact XXXX XXXX XXXX and hung up. 

In short, XXXX XXXX appears to have allowed someone to open an account under my name because of lax security protocols, made no attempt to contact me directly so I could dispute the charge, then sold the debt to a collector ensuring I have no other avenue of recourse.
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (IA)

At The End Of XX/XX/2019 I Applied For A Loan From A Company Called Zoca Loans Because I Was Behind On Bills & Needed To Catch Up. 
I Recieved The Amount Of {$550.00} .I Was To Make 12 Payments Of {$130.00} To Pay Off The Loan! I Double Checked My Payment Schedule & Discovered They Were Charging Me {$1100.00} In Interest! Which Meant That I Was Paying Roughly Triple What I Borrowed! In XXXX I Called Them & Asked If I Could Skip 1 Payment Because Once Again I Was Behind On My Bills They Told Me I Could But That My Next Payment Would Be {$230.00} To Make Up For Missing The 1 Payment! I Told Them To Just Forget It & The Payment Out As Usual But They Didn't & After I Thought I Had Paid The Loan Off I Received An Email Saying I Still Owed {$900.00} Because I Missed A Payment & Had Accrued Interest! I Called Them To Get It Straightened Out & They Said They Could Clear The Debt If I Paid {$350.00} So I Complied! But All Totaled I Ended Up Paying {$1800.00} {$550.00}! On One Hand I'm Glad I'm Done With Them & I Will Never Get A Loan From Them Again In The Future But On The Other Hand I Feel Their Lending Tactics & Interest Rates Are Predatory & I Should Not Have Had To Pay That Much! I Also Have Been Receiving Loan Offers From Other Companies Via Text Messages So I'm Pretty Sure They Have Given My Information Out To Other Loan Companies!
Consumer complaint received 2022-09-12
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: ALLY FINANCIAL INC. (MI)

On XX/XX/2022, I sent Ally Financial a notice of unauthorized inquiry that has caused damage to my credit file. By law Ally Financial had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give Ally Financial any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was in contact with XXXX in the beginning of XXXX. I was told I was able to refinance my loan and because of the CARES Act, the late payments on my credit report would be deleted. XXXX has updated this account on my credit report without updating the late payments. I want this issue resolved and the late payments removed from my credit report as soon as possible.
Consumer complaint received 2020-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have mailed in 2 separate debt validation letters to Portfolio Recovery Associates for Account # XXXX & # XXXX requesting that they provide me with information as to what these accounts are for. I have requested that they provide me proof of where I had an agreement with them or an line of credit, as I have not. They have mailed me nothing but photo copies of some statements that XXXX knows whose they are. I am requesting they provide me physical proof that these accounts are mine. I don't understand how they can just buy someone's debt with no proof. I've done my research and hear that this is quite common for Portfolio to purchase debt from creditors with no valid proof so I am a bit baffled.
Consumer complaint received 2020-02-28
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. (GA)

I applied for a credit card end was denied. I went home end look at my credit and see there is still things on there that is not mine. I thought this was taken care of but it was not. I should have just followed up and not took you all word. Please remove this stuff from my credit XXXX, XXXX XXXX, XXXX. I also see inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and the police.
Consumer complaint received 2019-01-24
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: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. 
Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX- XXXX
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: GUARANTEED RATE INC. (NE)

Complaint Description : During the loan origination process, the Guaranteed Rate Loan Officer guided us to take a higher loan balance in exchange for a lower interest rate, based on a promise that Guaranteed Rate Servicing would allow a recast of our loan immediately after closing. This misrepresentation, and misleading guidance along with the false promise that Guaranteed Rate Services would allow a recast was confirmed both verbally, via email, and via text message. All documentation is attached. Following our request to recast after closing ; The Guaranteed Rate Loan Servicing department stated they will not allow a recast due to requirements from a private investor, they have also stated Guaranteed Rate does not have plans to transfer our loan to an investor that would allow for a recast. The above events have resulted in a negative financial impact, and undue stress to our family. Guaranteed Rate is a Independent Mortgage Bank operating Nationally ; they have a local branch here in XXXX, however they are headquartered in XXXX, IL. The Mortgage XXXX XXXX is licensed in the state of XXXX under XXXX # XXXX. 

Steps Taken to Contact and Fix the Issue : So far, I have escalated our concern with Guaranteed Rate 's customer advocacy department, where I was connected to XXXX XXXX XXXX ( XXXX ) XXXX ext XXXX. I shared all of the documentation with her on XX/XX/XXXX, she then followed up via phone on XX/XX/XXXX stating that after reviewing the information with management, they are not willing to offer a recast as promised or any type of resolution. Our complaint has since been referred to XXXX XXXX, Regulatory Response Analyst at Guaranteed who has stated Guaranteed Rate is working toward a solution, however, we have not yet received any commitment or a proposed resolution.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

n accordance with the fair Credit reporting act ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX Account # XXXX ) and i never made a credit application with these companies ( 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 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 XXXXXXXX ) and feel my rights are being taken advantage of 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 addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I found this account opened in my name in XXXX, XXXX  closed it and then provided a 1099 showing I wasn't liable for the amount. 

Despite this, it has remained on my credit hurting it. I eventually paid the amount despite it not being mine ; however, XXXX  is still reporting it on my account.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NE)

I recently got insurance from XXXX XXXX in XXXX, NE. While discussing my policy with my agent lately she mentioned my low score on the CBR report they received from LexisNexis. She gave me a copy of it and if was terribly in-accurate and misleading. Nearly every credit area they reported on was years outdated or just false. I contacted LexisNexis and they said they get their data from XXXX  and I should contact them about any issues.I got my full credit history from XXXX today and it has ACCURATE information ... ... yet LexisNexis is reporting something different. 

As you know, companies across the nation buy CBR reports to gather information on current or potential customers from LexisNexis ( and others ). How many years have they been reporting false/misleading info on me? What have these reports cost me and other consumers over the decades? My insurance company bases their premiums at least in part on this report ... ..and/or whether they want to do business with me. 

I am attaching the CBR report I received and my comments with enlarged print ... .also, if possible I will attach two XXXX  docs that show my student loans were paid off in XXXX and XXXX ... .and not deferred as LexisNexis reports XXXX
Consumer complaint received 2022-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (PA)

On XX/XX/2022, I discovered that one of my credit cards had an error in the XXXX application and I was not able to either use it or remove it. 
After several attempts to remove the card, I contacted Google support. They told me to contact my bank, to have them remove the card, which I did. XXXX Bank removed the card from the Google Pay system on XX/XX/2022, but the card continued to show up in the XXXX application. 
I returned to Google support who asked me to submit screen recording two different times, which I did. Our communication then continued over email with several messages exchanged, in each message Google 's customer support person telling me that she is checking her " resources '' ( I must have heard that word at least 50 times ). 
Today, XX/XX/2022, after one month of not receiving any updates, I again contacted Google support over the phone and the cacophony continued. " Let me check my resources '', " can you send me a screenshot? ", " only you can remove the card '' ... bottom line, Google is storing my financial information without my consent, which I consider to be illegal.
Consumer complaint received 2022-10-27
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-13
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (NY)

Paypal violated their policy by permanently suspending our business account : XXXX and holding all of our funds for 180 days without explanation or valid reason. XXXX was started by my family and me. It is a website that sells handmade crafts and accessories. 

I've been successfully running online shopping business for 3 years, and in 2018 we processed {$400000.00} of revenue through Paypal. 


In XXXX after 2 months of operating XXXX  my business Paypal account got permanently suspended and all of our funds were withheld for 180 days. Paypal 's explanation : " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' This is absurd, we are a legitimate brand that holds stock inventory and we have a full team of customer service reps. 

Our business has less than 2 % disputes over XXXX orders. Due to this hold of {$21000.00} for 180 days we have to take out personal loans and can not pay our employees.
Consumer complaint received 2022-10-27
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: SANTANDER HOLDINGS USA, INC. (WI)

In accordance with the Fair Credit Reporting Act Chrysler Capital Account # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 
15 USC 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Amex charge XXXX dollars of interest one month without notice after beeing 0 % as soon as I got the statement l pay it off, but now they are also charging me a trail interest ... of XXXX dolars please help/advice. Thank you.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

Good morning. When I got married to my husband, for some reason his home address got onto mine. Because of that, I had a hard time confirming my identity. Then when I bought my house, even the lender asked me if I lived there & own the house. Obviously, I never lived in my husband 's house ever in my life & his parents owned it. Please assist in removing that address. Thank you.