davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently, I submitted an application for preapproval for a mortgage loan through XXXXXXXX XXXX XXXX XXXX, since I was interested in possibly purchasing a manufactured home which XXXX XXXX. I submitted an application with XXXX over the summer of XXXX, but ended up not purchasing a property at that time, and then again in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX of XXXX wrote : " Here is your updated conditional approval. Also in order to qualify for a 30 year mortgage your credit score would have needed to be a 680. The score we pulled from Transunion was a XXXX. So we wouldn't be able to offer a 30 year loan. '' See the enclosed documentation. 

Of course, the credit score determines the loan terms. It seemed a little strange that my TransUnion score could have been so low, especially when everything I've done has helped raise my score and my scores at the other bureaus were up over 700. 

Seeing that something wasn't right with what XXXX was telling me about my score, I purchased my TransUnion score on XX/XX/XXXX. On XX/XX/XXXX, my TransUnion score was XXXX, almost a full XXXX points higher than the XXXX that XXXX XXXX was telling me it was just a few weeks prior. See the enclosed documentation. 

There's no way my score increased by nearly XXXX points from XX/XX/XXXX to XX/XX/XXXX. XXXXXXXX XXXX  has been caught literally lying about credit scores in order to offer less favorable loan terms. 

What's the purpose in even pulling a credit report/score if you are going to lie about the contents anyways? I didn't consent to XXXX XXXX  pulling my report/score to turn around and lie about the score to offer me less favorable loan terms than I should have qualified for based upon my own knowledge of my score. 

Since XXXX XXXX  is using credit reports/scores for inappropriate purposes, the inquiries from XXXX and XXXX were made without my consent, and therefore the inquiries need to be removed. 

I notified TransUnion of the details and supplied the documentation to support removal of the inquiries, and yet TransUnion informed me that they wouldn't remove the inquiries made by XXXX XXXX  unless XXXX XXXX  itself contacts TransUnion to have those inquiries removed. 

This would be like a police officer showing up to the scene of the murder and deciding to not arrest the murderer unless the murderer agreed that he should be arrested! XXXX IS THE PROBLEM! The evidence is overwhelming!
Consumer complaint received 2021-10-29
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. (MA)

As TransUnion is aware, Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained, and subsequently furnished, this information from a third-party source using my private personal information. With that said, they have violated various Code of Federal Regulations along with my consumer rights as follows : -5 USC 552a ( b ) - no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent, of the individual to whom the record pertains ... TransUnion has done the contrary. 
- 12 CFR 1016.3 & 4- TransUnion has utilized my nonpublic personal information without reasonable basis and without notice. 
-15 USC 1681 ( b ) - TransUnion has furnished the referenced bankruptcy without permissible purpose. 

A letter regarding this matter has been sent via certified mail to TransUnion 's privacy and compliance officer.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

I struggled to pay back this loan due to financial difficulties. On top of that, they kept adding fees and late charges to my loan. 

Today i received the emails i attach. XXXX XXXX who claims to work at speedycash demanded immediate payment using prepaid XXXX cards. 

When i didnt do what she asked she send another aggresive email claiming they had issue a warrant for my arrest. I wasnt even served any papers and they are already claiming they will have me arrested. Please help.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla VISA card for XXXX, in XX/XX/2021 from a family member. The amount of the gift card was {$100.00}. I enrolled the card using the Vanilla card website prior to using the card online. I used the card to make an online purchase of {$15.00} on XX/XX/2021. After that, I tried using the card at another online retailer but the card was rejected several times. I tried contacting the Vanilla Card company 's customer service through their posted phone number, but continued to receive a recording that no one was available to assist over the phone. The website did not provide an email address to send an email to their customer service. Also, when trying to check the balance on the card, I received an error message. Lastly, I tried contacting the issuing bank, XXXX, which says it is a member of the FDIC, however, again I was unable to receive any assistance.
Consumer complaint received 2021-10-29
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Loan Science, LLC (IL)

I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

XXXX XXXX eas notified from USAA to return funds in 10 days XXXX XXXX refuses to reply to fax from my bank, which faxed them on XX/XX/2021 to return funds in amount of XXXX in Error during transfer. The account number XXXX is not affiliated to me, and i have not done business with this bank XXXX XXXX. XXXX is not following procedures to refund another bank when requested in Error. my money is in a strangers account. I am not attached to that account so I am told by XXXX XXXX take it up with your bank, USAA has informed me to contact XXXX XXXX.
Consumer complaint received 2018-07-01
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. (GA)

On XX/XX/2018 I mailed XXXX a certified letter requesting " debt validation, '' and send me everything they ( Transunion ) have on file to validate these collections. Transition has failed to prove me with the requested documents for a XXXX XXXX account, and a XXXX account within 30 days of the date of the letter that was sent.
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (IL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2018-07-01
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: EQUIFAX, INC. (TX)

IN REGARDS TO : EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX. I HAVE SENT COUNTLESS CERTIFIED DISPUTES AND LETTERS ON BEHALF TO EQUIFAX THAT THEY ARE REPORTING INOFRMATION THAT DOES NOT BELONG TO BE AND IS FRAUDULENTLY OPENED OR BEING REPORTED ON BEHALF OF OR MY SOCIAL SECURITY NUMBER OR NAME AND I AM NOT VERY HAPPY ABOUT THIS. XXXX XXXX XXXX ARE BEING REPORTED FRAUDULENTLY ON MY CREDIT REPORT AND NEED TO BE REMOVED IMMEDIATEDLTY. I HAVE NO BUSINESS WITH THIS COMPANY OR RELATIONSHIP OR DEALINGS AND I DONT UNDERSTAND HOW THIS COULD BE HAPPENING TO ME. WHY IS EQUIFAX NOT REMOVING OR DOING PROPER INVESTIGATIONS LIKE THEY SHOULD BE DOING.
Consumer complaint received 2022-02-25
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. (ND)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-10-29
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE (HI)

I was informed be the loan officer and compliance officer of American Pacific Mortgage that in closing a VA home loan I had to sign my signature with prejudice to my rights, an act I was not accustomed to. Furthermore, it was asserted that I could not sign without prejudice because it was VA policy and that such policy prevented me from doing so. After further inquiry I discovered no such policy exists and the company will not disclose the code they claimed applied which effectively deprived me of my right to defend my rights from an unconscionable contract. It was also reinforced at closing by the notary officer and so I signed in a manner I was not accustomed to but I verbally stated that my signature was only being provided " under protest '' specifically cause felt I was being deprived of my civil right especially with such confusion and mistakes in the process regarding what I paid for my credit and whether there was even a loan or an exchange of negotiable instruments and if the property deed was defective or even marketable. This was acknowledged by both the loan and notary officer present during closing.
Consumer complaint received 2019-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (SC)

Each company, Midwest Recovery and XXXX XXXX have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( Medicaid ) which covers 100 %. The same is true for the other amount of ( $ 1000+ ) XXXX  found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Gatestone & Co. International Inc. (CA)

They said someone applies online and it marked inquire. but I never apply those company. I have only one company applied before but other is never apply before. I got identity theft from someone else now please remove this. I'm trying to keep my credit history better. but I find out there is never seen inquire before so I have to dispute today. 
Please Help me to remove my wrong inquire on my credit history.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have disputed my reports with Bank of America and they are reporting credit card information that does not belong to me. I have never used and Bank of America card and I do not own one. This card was opened in my name due to fraud/identity theft ... 

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CUSTOMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME.UNDER THE FRAC ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNTS MUST BE REMOVED. XXXX, TO DATE Bank of America HAVE NOT GIVEN ME PROOF AS INSTRUCTED. AS A RESULT OF THIS CONTINUOUS REPORTING OF FRAUDULENT UNVERIFIED ACCOUNTS. THIS ACCOUNTS WERE OPEN BY THE THIEF AND NOT ME.
Consumer complaint received 2022-02-07
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: Experian Information Solutions Inc. (IL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2018-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

At this point I'm filing a separate report for Fifth Third Bank retaliating against me for closing my account please notice the attached letter I am sending the bank must think this is some type of Joker game after they made several errors on my account it is been well aware and in advised that I would be closing this account I had sent all pertaining documents as requested to Fifth Third Bank as they sent me a letter asking for more information I mail that off about two and a half or three weeks ago to the company in regards to an XXXX dispute the company had more than enough supporting evidence that I had tried to resolve the issues with XXXX and that XXXX was having issues on their platform which led to a trip I was on being altered by several miles due to the app freezing I have said all of that documentation to Fifth Third as requested as I've said and now they're telling me that without my permission or authority they have reopen my account and closed it back with a negative balance and I reporting it to a consumer agency so at this point along with this complaint I will be filing a complaint with all regulating agencies over this bank and filing a small claims lawsuit against the bank for defamation of character and for now opening and closing an account once again without my permission or authority and for sending me this oblivious threat I've never seen such a financial institution operate in a bully type of status
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I had 12 payments to XXXX credit cards totalling over {$1800.00} returned from CHASE saying CUSTOMER advises not authorized. I went to Chase, was told to call Fraud at XXXX and ask fir US Supervisor. Was on hold for 20 minutes then disconnected, called back on hold for 35 minutes and still waiting.
Consumer complaint received 2022-02-07
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. (TX)

I submitted a dispute on XX/XX/21 to have the address XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX deleted due to the fact that this is not my address. It was not removed. I then sent Experian a certified letter on XX/XX/21 asking for it to be deleted and I got no response, and it was not deleted. This information needs to be deleted as it is not my address. 

Cert mail tracking : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XXXX is on the Wells Fargo bank app and pays to use wells fargo, I was scammed through XXXX, they told me to file a complaint with Wells Fargo, Wells fargo refuses to help, I wanted to stop other transactions from coming in so I won't be over drawn, they wanted to charge me fees and I would be overdrawn, I don't have money for XXXX until payday and Wells Fargo refuses to return my XXXX dollars
Consumer complaint received 2022-12-02
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. (MO)

I have reached out by email requesting them to remove my info as well as not provide my personal information to XXXX XXXX and experian. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | DOB : XXXX XXXX XXXX XXXX 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the bankruptcy court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( XXXX ) .lied about verifying this bankruptcy with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report : XXXX XXXX BANKRUPTCY, Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have contacted XXXX XXXX XXXX to remove a deragotary on my credit and they refuse to do so. I have even files a review with the credit agencies to no luck. please remove asap!
Consumer complaint received 2021-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Blackhawk Network Holdings Inc. (KS)

I have purchased 5 Visa giftcards at XXXX store on XX/XX/2021 and I lost one of the Visa giftcards. I immediately contacted Visa giftcard support and was advised to contact Blackhawk Network support via email and send them the receipt from XXXX. I sent the email with the receipt via email on XX/XX/2021 and was supposed to receive a response within 1 business day. 2 days later I sent a reminder to respond but the company ignored both of my emails. This is a time sensitive manner, a giftcard is like cash. Obviously the company wants to keep the money.
Consumer complaint received 2024-03-06
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. (FL)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (OH)

Chime closed my bank account and says Im not eligible to receive my funds in my account and wont explain what I did. This happened after I made {$2000.00} worth of deposits yesterday after selling stocks and XXXX on XXXX to pay my bills. If this violates their terms I was not unaware and understand if they need to close my account but keeping my money when I have kids to feed and bills to pay is just crazy when Ive done nothing illegal.