davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (VA)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # 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 2022-11-30
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 16 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
Consumer complaint received 2018-02-26
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. (WI)

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on XXXX and XXXX  2. You verified High Balance as "  {$2000.00} '', on all account beginning in XXXX, which is not correct 3.  You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 7. Actual Payment Amount is {$0.00} on XXXX and Experian 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts onXX/XX/XXXX on XXXX, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Consumer complaint received 2022-10-07
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a business account at BB & T. In the process of opening the business account, I get an alert on my XXXX  credit monitoring that my credit was pulled. I asked the banking associate why my credit was pulled. She told me the credit was pulled soft to open the account. I told her, it was not a soft pull that i relieved a hard inquiry pull on my report. Two days later I get a second credit pull on my report. The banker says she doesn't see why it was pulled. When she did her internal investigation, she said, they did pull my credit and they were not willing to remove it. This is a terrible banking practice. Is this the same as what XXXX XXXX was doing years ago? Please investigate this immediately. The credit pulls were on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2022-10-07
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. (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 2019-05-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (DC)

I was contacted by Medical Revenue Service  at XXXX who left a voice mail on my work phone. I ask this company to not contact me at work. I also informed the company that I never received the bill and the person on the other line was rude and nasty. I continue to ask them not to contact me at my job. I ask them since I did not receive the bill could I have please have a hard copy of the bill and the person on the other line was nasty and rude and said no.
Consumer complaint received 2022-01-16
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)

On XX/XX/2021, TransUnion LLC also known as TransUnion furnished a credit report admitting that 7 persons accessed my information without my consent from TransUnion. In result, TransUnion deleted 7 inquires in relation to the 7 persons who were able to acquire my information from TransUnion. Deletion is a voluntary acknowledgment. TransUnion did not notify me first about the 7 person acquiring my personal information PRIOR to it showing on my credit report or credit file. The 7 inquires reporting on my credit report has stopped me from extending credit to creditors. TransUnion is required by law to pay me {$1000.00} per person that obtained my information unlawfully without my consent. TransUnion LLC also known as TransUnion owe me {$7000.00} for allowing 7 persons I do not know access my personal information. Please see Exhibit A, C & D for proof of TransUnion admitting to deleting the seven inquires. 

*This CFPB complaint is NOT a request for an identity alert to be added to my profile. DO NOT ADD AN IDENTITY ALERT ON MY CREDIT REPORT, CREDIT FILE, OR CREDIT PROFILE. *
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

So on XXXX I texted a dude on Marketplace with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like ohhh XXXX betttt. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just cashapp it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So XXXX like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX it and sent him {$120.00} on cash app. His cashapp is @ layingtickets. And so hes like awesome XXXX be leaving soon and so XXXX bet and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do. EDIT : this is my second complaint now, my first case got closed due to them not be able to verify that it is my account. I dont know how else Im supposed to verify that it is my account but I need this fixed asap please because Im really struggling and that money was a lot.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc. (OH)

XX/XX/2023 I made an in store purchase at a shell gas station using my cash app card @ approx XXXX. The purchase was {$23.00} but the charge to my cash app account is exactly double at {$47.00}. Both cash app and the merchant are giving me the run around. One of these two places owes me {$23.00}.
Consumer complaint received 2021-09-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (CA)

I originally had XXXX financial services when I first had my loan then it was sold to FAY financial services. This was at the beginning of my mortgage using XXXX, XXXX of 2020. Before my mortgage was transferred to FAY financial services, I had an agreement with XXXX about forbearing my mortgage payment. According to the CARES act that was passed in XX/XX/2020, anyone that has a forbearance agreement is not to have any delinquent or negative reports to their credit. My entire mortgage I have never had a late payment. The only reason this payment is marked as late, is because I was not made aware of the transfer of my mortgage to another company. I personally had to search around, call my previous loan company, and find out how to make the next payment and to who. FAY financial services refuses to acknowledge that I had a previous forebearance agreement with XXXX. The fact that my mortgage was transferred ( without my knowledge ). Ever since COVID, there has been so much miscommunication and confusion. I spoke to an agent at FAY in XXXX, after this whole ordeal and was informed that the late payment report would be removed from my credit. Im sure this can be confirmed with any recorded calls from FAY under my account.
Consumer complaint received 2021-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Savings account and Checking account with Citibank for their promotion of {$700.00} bonus per their terms in XX/XX/XXXX. 
Citibank 's XX/XX/XXXX letter ( XXXX ) acknowledged the {$700.00} bonus. 
But Citibank is making the excuse of my accounts was closed on XX/XX/XXXX. 
My accounts were set up by XX/XX/XXXX. 60 days term + 90 days to receive bonus would be XX/XX/XXXX. But till now Citibank has not paid the {$700.00} bonus.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (NJ)

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NJ)

I sent certified letters to them explaining that I have no idea what this was and that this debt was not mine. They could not verify that it actually belong to me yet they refused to remove the negative info from my credit report. I have yet to establish any credit but would like to start but can not because of the wrong info on my credit.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (OH)

Cashapp has been down all day today. Meaning myself and thousands of other people don't have access to their funds. I had money sent to me today and haven't been able to access the money. The money was for dinner for my children and gas to get to work. It's XXXX and I haven't fed my kids and I had to call out from work. There are no real updates being given from cashapp as to when our funds will be available. This is unacceptable.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

Incorrect information on my XXXX, XXXX, and XXXX report ; However I have sent in documents back in XXXX to remove the unknown two hard inquiries reports and out-of-date inquiries items from my credit report ; I also reached out to companies that are over the statute of limitations. Also, a few items do not know the debts. I also have filed with OCC/ FCRA and Texas General Office . Statute of limitation is required to be removed from credit reports. I never received an investigations report! I have received emotional distress/violating my rights by the behavior from the debt collectors this has caused me hardship, stress, and anxiety.
Consumer complaint received 2022-10-07
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. (NY)

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 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NH)

Recently refinanced my mortgage. First payment was due on XXXX of 2019 I was paying weekly but then was informed I could not do that so they had to re apply my funds. I was told this was taken care of numerous times and on numerous phone calls and as recent as XXXX when I got another letter stating I was past due. Ive called 3 more times since then and emailed with no response and was even put on hold for 1/2 hour then disconnected. .my payments were as follows XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$420.00} XXXX {$1800.00} XXXX {$370.00} XXXX {$1700.00} Total of payments = {$6900.00} Monthly mortgage is {$1700.00} So for XXXX through XXXX I owe {$6900.00}. 
I have over paid by XXXX dollars and they keep telling me they are reversing the funds to correct it but I just got a notification that they reported it to my credit score. As of today my score dropped 48 points because of this. I need this fixed ASAP or I will be forced to take legal action. 
The only payment not shown is the XX/XX/XXXX which is not on account yet.
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2021-09-24
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: NRA Group, LLC (OH)

I spoke with XXXX XXXX regarding an " ESTIMATE ONLY '' on getting new XXXX. They told me they have " FREE EXAMS ''. I gave my insurance information over the phone and explained to them that I was looking around and getting evaluations of prices on XXXX. I was told that they give free evaluations. I also explained that I had the X-rays that were only days old from a previous XXXX. They told me to bring them with me, which I did. 
Upon arriving, they insisted that the XXXX I had brought wouldn't do. And it was " FREE EXAMS ''. 
Then they took new XXXX and looked into my mouth and sent me back up front to the receptionist. She told me the price and already ran a " credit account '' for my payments. I was EXTREMELY upset and told her that I was in BANKRUPTCY and could not apply for credit, I told her that she was going to cause me to lose my home! I told her this was only an EVALUATION, nothing else. I fully explained myself at each point of service that I was looking for prices only! 
I had to immediately contact my BANKRUPTCY ATTORNEY and the CREDIT COMPANY who SHE APPLIED WITHOUT MY CONSENT that I DID NOT DO THIS!!. Then they have the nerve to Bill my insurance and to me,, which " FREE EXAM '' is {$.00}. I have explained every time they called for payment. They refuse to do anything. This is BLANTANT FALSE ADVERTISEMENT. Now it's been affecting my credit rating and I'm working on getting out of Bankruptcy next year. So I've been trying to fix the problems now. 
NTL RECOVERY AGENCY Last reported XX/XX/2021 {$74.00} Open balance XXXX XXXX Original creditor SNAPSHOT Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX