davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX and I am submitting complaints regarding the Fraudulent items I found on my updated Credit Reports. It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulents items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items listed below as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance {$420.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (CA)

I applied for a debt consolidation loan with XXXX XXXXXXXX in the amount of $ XXXX. XXXX XXXX applied the money yo my Apple Card through Goldman Sachs. 

I contacted Goldman Sachs and requested the money be transferred into my personal banking account with XXXX XXXX. I was told it would take 10 business days. After the 10 days expired I contacted them again. I was told the request was under review and I had to wait 10 days. I waited and still my request had not been handled. I contacted Goldman Sachs a third time spoke with a supervisor who said the request had been canceled for some reason. The supervisor said she would put the request in again and it should take 7 business days. Still nothing! I contacted them again and was told the matter was under review due to the amount and making sure no fraud was involved, i was given another 7 day timeframe and told the matter had been escalated. 

I contacted XXXX to see if they would contact Goldman Sachs on my behalf. They gave me a number to provide to Goldman Sachs for them to call which, I provided. I still have not been able to get my request resolved and have been getting the runaround and XXXX poor service from Goldman Sachs. Since they refuse to give me my money do they have to pay me interest on my credit on the Apple Card? Please HELP.
Consumer complaint received 2021-01-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have reached out to the credit reporting agency and they have refused to remove this iteam. By law this cant stay on my report but for ten years. The last activity was over 10 years ago. I have reached out to the bank and they have stated to me that they have sent removal paper to the credit reporting agencies with audio tapes backing them. The agencies have refused to do any action on this I am at my Witts end need help. In the supporting documentation first is XXXX second trans union third is XXXX
Consumer complaint received 2021-10-21
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-03-07
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. (KY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (TN)

I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XXXX  XXXX  XXXX  to release my medical records to elevate  recovery.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-10-21
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. (MD)

On XX/XX/XXXX I made a purchase at Arhaus. It was to be no interest until XX/XX/XXXX if you spent XXXX or over ; which I did. The wrong sofa was delivered and I had to return it and purchase a new one that cost an additional XXXX. All was put on the Arhaus credit card issued thru Comenity Bank.. The additional charge of XXXX was additional for the new sofa and was to be purchased all as a new item as the other sofa was returned and credited to me. Instead Arhaus did not do the intitial purchase as a return and just added the additional XXXX as a new charge would would then change the interest term to XX/XX/XXXX. I have tried to work this out with Arhaus comenity bank but they refuse to give me credit for the interest charged. The credit card company refuses to fix it.
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

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/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2023-01-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-12
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

!! Inquiries FRUAD!! 
WE HAVE SEND ALOT OF DOCUMENT, TO TRASUNION, AND THEY REFUSE!!! TO REMOVE OR DELETE THIS FRUAD INQUIRIS. 

THEY KEEP TALKING ABOUT ANY Inquiries IS A STATEMENT OF FACT. WISH IS NOT, TO A CUNSUMER WHO REPORT ID THEF ISSUE, CREDITOR COULD SEND OR FAX FRUAD INFORMATION DUE TO THIS IDENTITY THEF MATTER. 

WE CANT NOT GO!! BASE., ON HE SAID, I SAID. 
WE HAVE SEND EVERYTHING. 

TRASUNION CREDIT REPORTING AGENCY DONT CARE HOW THEY GET INFORMATION IT COULD EVEN BE A FRUAD ACCOUNT AND THEY WILL REPORTED. THEY JUST WANT TO GET PAY BY CREDITOR!!!
Consumer complaint received 2023-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (FL)

My vehicle I had under an auto loan with Santander and met into a car accident which caused the vehicle to be totaled. My vehicle payments had been on automatic payments and the money was immediately taken from my account every month on the same day. Santander decided not to take the final payment out of my account and did not bother to update me or let me know that they would not be removing the final payment from my account automatically nor did they send any email or letters stating that THEY would stop payments from the automatic payment system I agreed to on day 1 of receiving my vehicle.

Upon finding out the final payment was still outstanding I paid the balance in full, and Santander closed my account stating it was paid in full. 1-week later Santander reported to the credit bureaus that my account was charged off as a bad debt for {$780.00} when I had a {$0.00} balance and closed account being reported to me.

When I received notice that the account had falsely been reported as bad debt and that the balance of {$780.00} was incorrect as well I called santander to figure out why they would incorrectly report my account as a bad debt charge off when it is paid and full and closed the employer stated I no longer have an account with them because it is reported in their system as paid and closed so they refused to put me through to their credit department.
Consumer complaint received 2023-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (IN)

Discover Student Loans is taking payments out of my account on the wrong dates that I have created over the phone with loan specialists. Most recently on XX/XX/XXXX, and XXXX, I spoke with specialists to discuss lowering my monthly payment. I currently pay {$680.00} a month. However, this payment increases often as my interest rate goes up. I have been told by multiple specialists through Discover Student Loans that there is nothing that can be done for me. I have asked to lower my monthly payment, increase my 15 year plan to pay them off to lower payments, consolidate the loans, as well as line up the dates closer to my pay days ( biweekly ). 
On XX/XX/XXXX, the company took out {$350.00}. I did not agree to XX/XX/XXXX, I consented for them to take out on XX/XX/XXXX, my payday. This caused me to pay an overdraft fee through my bank. My next loan was supposed to be taken out on XX/XX/XXXX. However, on XX/XX/XXXX, they took out {$420.00}. 
As a XXXX this takes so much out of my income that I am struggling to pay for day to day expenses like groceries, gas, medical bills, car payment, etc. It seems that every time I talk with them on the phone to try to get things fixed, it ends up worse.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened my account in XX/XX/XXXX and asked about the {$150.00} promotion both over the phone and in person at the branch. I was told that I needed to deposit {$1000.00} within 60 days of opening the account to qualify and stay open for 90 days. I deposited {$1000.00} on XX/XX/XXXX and I followed up and was told I qualified and I needed to wait 90 days plus 2 weeks to see it in my account. I made SURE to ask if it was ok to use XXXX otherwise I would simply come in the branch to do so with cash and was told XXXX was ok. Today XXXX XXXX XXXX I am now being told I didn't qualify because I used XXXX !
Consumer complaint received 2023-03-07
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/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 XXXX XX/XX/XXXX.
Consumer complaint received 2023-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In the context of your credit report, historically, only three types of entries were public records : tax liens, civil judgments and bankruptcies. Now, only bankruptcies should show up as a public record on an individual 's credit report. XX/XX/2017 Changes to Reporting of Public Records Data Effective XX/XX/2017, changes should significantly reduce the amount of public records data in credit reports. The nationwide CRAs are no longer reporting in consumers credit reports up to 50 % of tax liens and almost all civil judgments. These reductions are a result of the use of stricter criteria to match public records to a particular consumers credit file. As announced by the Consumer Data Industry Association, the criteria will require either a Social Security Number or date of birth in order to match a record data which most civil judgments and many tax liens do not include. Because the CRAs will not be able to match the public record data to a consumers file, about 50 % of tax liens and most civil judgment will not be included in the consumers file. The stricter matching criteria is the result of a settlement between the nationwide CRAs and the attorneys general in 31 states and a separate settlement with the New York Attorney General, as well as supervision by the Consumer Financial Protection Bureau. About 6 or 7 % of scoreable credit reports ( translating to an estimated 11 or 12 million consumers ) will be affected according to FICO, but the improvement will be relatively limited. About 75 % of affected consumers will experience a credit score increase of less than 20 points. For more on matching and other errors in the collection of public record information, see NCLCs Fair Credit Reporting 4.3.2.5. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. 4.4.6.5.
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

reached out to midland credit management over the phone on XX/XX/2020 @ XXXX XXXX  about them reporting information on my credit report thats doesn't belong to me. i asked them for validation of the debt NOT verification of the debt. 

Im requesting this company provide documents as stated in the letter i sent out on XX/XX/2020, which they have 30 days to provide me with the request that i asked for this company has violated my rights by reporting on my credit report before i had the chance to request for VALIDATION NOT VERIFICATION of this debt. 

im requesting this company to remove information from my credit report, due to insufficient valid information. 
also code 1692e ( 8 ) this company has not reported that this account is being disputed documents of what was purchase, detailed invoice of how they cam up with this amount. 

purchase agreement