davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : 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.
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC ()

Gemini Trust Company , LLC ( XXXX ID : XXXX ) froze my account on Wednesday XXXX XX/XX/2022. They asked me to upload a selfie holding my ID and a written statement, which I did the same day. 
After numerous reminders, they informed me on Thursday XXXX XX/XX/2022 that they had determined to close my account. They refuse to indicate any reason and said their risk process is confidential. 
Moreover, they indicate that I am not allowed to withdraw my crypto currency, but can only exchange it for USD or another fiat currency ( for which, by the way, they charge high transaction fees ). 
I indicated that this is insulting, as it is the first time in my life that I was designated as a risk, and I not even told why. And I indicated they are not acting as socially responsible company that is treating its customers fairly. I asked for an explanation and a fairer treatment. They continue to refuse this.
Consumer complaint received 2022-03-16
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. (DC)

In general, the issue is that Experian has intentionally made the process of adding and removing a credit freeze unnecessarily error prone and difficult. In addition, they offer a paid credit freeze service, which does not have these difficulties. So, they are trying to prevent customers from the accessing free services that the fed govt requires them to provide. 

I recently needed to freeze my credit file with the big 3 credit bureaus due to identity theft. XXXX and XXXX were simple and this could be done online. Experian however had a labyrinthine website that kept trying to trick me to pay for a credit freeze. When I finally found the free credit freeze, it took me to an outdated looking page that only have me errors. I had to call on the phone to get my credit freeze. 

When I wanted to remove my credit freeze, again I had no problems with XXXX and XXXX and was able to do it online in minutes. With Experian, again their outdated web page gave only errors. I called their phone number but was routed to the automated service, even when calling and dialing to a human first. Even though I had the correct PIN number, Experian insists that I must send a paper letter to have the freeze removed. 

Their system is unnecessary burdensome and in stark contrast to the ability to take care of the credit freeze online. As a consumer protection issue, they are preventing us from accessing the credit freeze/ unfreeze services to which we are entitled.
Consumer complaint received 2022-05-05
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 Consumer USA Holdings Inc. (TX)

In response to CFPB Complaint Case number XXXX, My name is XXXX XXXX , a federally protected consumer, and I am submitting this complaint against CHRYSLER CAPITAL for XXXX adverse action against me, with forethought and malice, by furnishing an inquiry on my consumer report without my lawful authority. My name is nowhere on any of these applications. The only proof I see on this document that CHRYSLER CAPITAL have provided is that adverse action has taken place. I did not initiate this inquiry, and this proves that CHRYSLER CAPITAL is committing fraud and identity theft by furnishing it pursuant to 15 USC 1681b ( c ) ( 1 ) ( a ). Unless you can provide me proof that I gave you my actual written permission to furnish this inquiry on my credit report, then this has been a fraudulently furnished inquiry reported on my credit report and needs to be blocked and removed. Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Consumer complaint received 2022-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

Convergent Outsourcing , Inc. is trying to collect a debt they say I owed XXXX XXXXXXXX XXXX on XX/XX/2002. They claim I had an account with them. I never had any account with XXXXXXXX XXXX XXXXXXXX, nor have I ever heard of them. Furthermore, that is 20 years ago! I responded telling them the above information. They did not provide any verification, but instead are asking for personal information that they want notarized and are asking for a photo ID. I responded telling them that I do not owe any debt and am not going to send any personal information to them. I also informed them that they are attempting to collect a debt that is XXXX years old and is statute barred.
Consumer complaint received 2022-05-05
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. (NY)

I disputed a repo with the credit bureaus and XXXX of them XXXX and XXXX removed the item and TransUnion is still reporting this information. Not only without my consent also they are obligated to remove any items that are removed by XXXX and XXXX. I called and they did nothing. I wrote to them and they did nothing.
Consumer complaint received 2022-10-24
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Someone opened a XXXX XXXX XXXX account in my name, with my documents, and for years I've submitted an identity theft report to ALL of the major credit bureaus AND the creditor. 

Each company fails to remove the account from my credit report and fails to acknowledge the identity theft, even though I've submitted a police report and a report from identitytheft.gov
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Someone obtained my social security number and was able to open an online checking account at Bank of America, I have a credit freeze on my accounts. This person did not have my current address or phone, but BoA opened an account without this verification. If they had checked for any information, they would have seen that the person didn't have correct info and I had the credit freeze. 

BOA has caused me great harm by not doing any checking and opening the account without doing any research or verification. 

I was able to close the account and have the information to file a police report with my local police. 
I have filed a fraud alert with the 3 credit agencies.
Consumer complaint received 2022-03-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (NC)

15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. I have attached my FTC Report to this compliant to prevent further stall tactics form.
Consumer complaint received 2022-03-16
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. (IN)

XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have sent several letters to Experian to dispute inaccurate personal information being reported on my report. I followed their instructions and after receiving the results back. There is still inaccurate information on my report.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (GA)

An unknown account, XXXX XXXX is currently reporting on my Equifax credit report which does not belong to me. The account also was reporting on my XXXX account which was disputed and deleted from my report. Equifax has not provided me with any mechanisms or procedures in their investigation.
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

Truist Bank ( formally SunTrust Bank ) issued new debit cards, before I can replace my new cards to my online accounts such as XXXX XXXX XXXX trusit had already allowed XXXX XXXX XXXX to have my new card info without telling me, and XXXX XXXX XXXX charge my truist checking account for a service, I didn't want to update my new card to XXXX XXXX XXXX that is why i never did, and Truist went along and gave the company my card info without my permission. I have incur overdrafts fees in the hundreds this is unfair, and at the same time truist is paying your debits/ purchases out of sequences. Causing more overdrafts. customer service is non existing and rude, your on hold for over and hour. 

How is it even possible for truist to give a customer info to a company with out permission? 

I never updated my new debit card with XXXX XXXX XXXX so how did they get it, it was accessed through truist
Consumer complaint received 2022-03-17
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: EQUIFAX, INC. (LA)

In accordance with the Fair Crefit Reporting Act XXXX the accounts listed below 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
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. (LA)

In accordance with the Fair Crefit Reporting Act Convergent the accounts listed below 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. 

XXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : XXXX XXXX Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXXccount # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : Feb 18,2020 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (UT)

I had to get an XXXX because of issues I was having and I did not have health insurance at that time. Did it privately and paid in full the amount ( around {XXXX} ) the doctor said it was going to cost. However, a couple of months later ( maybe 3 ), I got a call from the clinic saying I had an open bill with them of {XXXX} due to a XXXX they had not informed me they were doing. I complained the lack of knowledge and the fact that they never mentioned that before, but paid in full too. Almost a year later, I saw my credit score being completely destroyed, when I tried to investigate what was going on, I found out that there was another bill of {XXXX} from an exam that they had done and I was NEVER informed about or nothing. As soon as that came to my knowledge and ran and paid for it. However, they never took that out of my record. That whole situation was a mess and completely unnecessary to both parties. However, they got their money and I still have a wrecked credit score that does not reflect me as a payer.
Consumer complaint received 2022-03-17
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: DISCOVER BANK (UT)

On XXXX I made a purchase through XXXX for an item offered by XXXX XXXX The item arrived damaged. I discovered the item after it was delivered, noted and documented the damage. I contacted XXXX requesting a return shipping label. XXXX responded, saying they do not solve third party transactions, but forwarded my complaint to the seller. However, I received email confirmation of the delivery from XXXX. At the bottom of that email, is a discloser that says XXXX handles all disputes with orders through XXXX or XXXX XXXX transactions. XXXX said via email, that the seller would contact me. In the meantime, I contacted XXXX requesting a return shipping label for the damaged item. XXXX responded after a few days with tracking number XXXX, and a XXXX XXXX arrived and took the damaged original package containing the item. I received no further communication from XXXX, and no contact ever, from the seller, XXXX XXXX. In their response to Discover, XXXX alleges that I failed to contact XXXX. Their email correspondence with me, clearly makes that statement false. I disputed the transaction through Discover, who posted a temporary credit. I uploaded evidence of the item being return to the seller, with tracking number XXXX. The seller signed a receipt for the returned item on XXXX. Some XXXX months later, Discover notified me they had received information from the seller, who contested my dispute. Discover determined the charge to be valid, based upon the response from the seller and from XXXX. Disregarding that the item was received damaged and was returned. I have again disputed this transaction, complaining of the seller 's and XXXX 's false information in their response to Discover, and their fraudulent actions. Considering the item was damaged, the seller could collect for the damaged item, with a claim through XXXX. Instead the seller is attempting to fraudulently maintain a charge for a returned item.
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (CA)

Original creditor XXXX XXXX  Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX What happened? 
============= They opened an account under my name without verifying the identity and sent the unpaid debt for collection. As a result my credit is ruined. I have never lived in XXXX XXXX, TX. 

SOUTHWEST RECOVERY SERVICES has flagged your account as Collections on XX/XX/2022. 

Source : XXXX XXXX : SOUTHWEST RECOVERY SERVICES Original creditor TXXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$290.00}