davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with XXXX and twice with XXXX XXXX XXXX and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

We opened an a total of XXXX accounts ( XXXX are subject of this complaint ) at Marcus by Goldman Sachs. We attempted an external transfer but it was denied and I was locked out of my account. After being locked out of the account and cycling through numerous customer service representatives, to include confirming authorization for all transfer attempts, we were told we could not do transfer externally due to account 90 day rules. However we were informed we could transfer money back to the original account the funds came from. I authorized that to occur and was assured by a security specialist that it would be ok. I then proceeded to authorize a transfer back to my confirmed, linked account. The next day my account was once again locked and I spoke to a representative who said I could not transfer any funds for 90 days. This directly contradicts the first guidance I was given. I need t transfer the money but Marcus keeps cycling me through different departments, giving me varied and contradictory instructions, and false assurances. I want my account unlocked, funds transferred back to the original accounts, and to close my accounts.
Consumer complaint received 2023-08-19
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: AVANTE (FL)

XXXX has violates my rights according to XXXX. AVANTE USA did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-03-18
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: Sunbit, Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$22.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX {$1000.00} balance Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX {$2500.00} limit {$2400.00} balance Opened XXXX XXXX Sunbit, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$2000.00} limit {$0.00} balance Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Balance {$220.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX {$0.00} balance Highest balance {$1600.00} Opened XX/XX/XXXX Closed And then a ton of Hard inquiries are also not from me
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the FCRA, in order for you to furnish the alleged US BANKRUCTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to any of the CRA 's. Including but not limited to 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX, XXXX 's and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligations to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX XXXX that they were not able to validate those alleged bankruptcy in accordance with federal law. 

Having the abovementioned information XXXX, XXXX and Transunion is voilating my federally protected consumer rights. In addition to that violation you are also commiting fraud since you claim to have verified this bankruptcy but sources deny that. Should you need a reminder.. please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information.

I am hereby demanding this entry be permanently removed from consumer file within 30 days from the day you RECIEVE this letter. Should you chose to be negligent in rectifying my affairs. I will follow up with a complaint to CFPB and initiate monetary arbitration is small claims against XXXX, XXXX and Transunion Warm Regards XXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, XXXX, and Equifax. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.
Consumer complaint received 2023-03-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Our Mortgage company is Carrington Mortgage, we did go into foreclosure, due to various reasons ( covid was a cause ), but after paying back the roughly {$4000.00} in missed payments. We also paid an additional {$8000.00} dollars in fees. Now they are charging me with an additional {$5000.00} dollars in fees, after we paid everything off on XX/XX/XXXX. Then XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ( XXXX ) they continued to charge us fees. Without giving us a reason or cause. They simply state that they can because it's servicing our loan and it's in our contract. We have been current and ontime since XX/XX/XXXX, and yet they are still charging fees. The only reason there is no fee in XXXX, or XXXX is because I sent a dispute letter and they had to stop until the inquiry is over.
Consumer complaint received 2018-12-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

The living room and bedroom furniture was sold to me at extremely inflated prices! I called the company because XXXX and XXXX advertised that the taxes on the items would be paid by them. When I got my bill the prices on the furniture totaled over {$4000.00} which was ridiculously high! I called them and the stated that the furniture was fairly priced and they did not agree/advertise that the tax would be paid by them! I informed them that I had filed bankruptcy and gave them my lawyer 's name and numbers. I still continue to get threatening calls, emails and letters!
Consumer complaint received 2023-03-29
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. (PA)

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 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. LATE payments listed on XXXX to whom just took over the account is not correct. Personal informations listed that I have never resided. The incorrect reporting to my credit file has cost me a promotion and stopped me from growing with the company I work for. This is wrong and I demand it be corrected.
Consumer complaint received 2018-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

For years I have dealt with this fee that has effected my credit and wasted so much of my time. I dealt initially with the XXXX XXXX fraud department and thought the issue was resolved. Now I am dealing with a collection agency, that has caused ANOTHER hit to my credit and more wasted time. I do not owe this money and want my name removed from all call list and this taken off my credit report.
Consumer complaint received 2022-03-18
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. (GA)

A debt collector was allowed to post inaccurate and incorrect data on my credit reports without first providing validation per XXXX, on XX/XX/XXXX i demanded verification/proof of this debt from XXXX XXXX. XXXX and to date XX/XX/XXXX have not received this verification which is in direct violation of the Fair Credit Reporting Act. 

I have attached proof along with XXXX certification receipt showing it was received by XXXX XXXX. XXXX which clearly shows this company is in direct violation of XXXX  laws.
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

Hello, I am having trouble connecting my PNC Bank account to the XXXX investment app. The reason provided was that the CFPB is authorized by the PNC bank to prevent me from connecting to the investment app. My complaint is to request authorization that enables my connection. 

Thank you.
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I was denied a rental car because of my Transunion auto insurance score. I'd like a copy of this report and score. It is NOT my Transunion credit score, rather my Auto Score
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$360.00} ; XXXX  XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-03-18
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XX/XX/XXXX XXXX XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kirschenbaum & Phillips P.C (NY)

The debt collector is enacting a levy on my XXXX XXXX  XXXX checking account which the debt is older than the statute of limitations under the federal Fair Debt Collection Practices Act ( FDCPA ) in New York. New York State recently passed the Consumer Credit Fairness Act which primarily changes the statute of limitations ( SOL ) from 6 years to 3 years for all collection lawsuits. I also havent receive any information about the debt theyre attempting to collect.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (NC)

XX/XX/XXXX I received an alert for a hard inquiry from XXXXXXXX XXXX that was not authorized. I advised XXXXXXXX XXXX that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have Equifax several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.
Consumer complaint received 2024-02-08
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to address a serious issue regarding inaccurate information on my credit report. If corrective actions are not taken within 10 days, I will file a complaint with the FTC against your company XXXX XXXX.
Consumer complaint received 2022-03-18
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: EQUIFAX, INC. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated XXXX XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX  ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Consumer complaint received 2022-03-18
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. (FL)

In accordance with the fair credit reporting act accounts 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 a 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 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

During the time that I have been with US Auto I have been paying on time, until they breached the contract. The company that they claimed took over the contract has the wrong balance and also has not verified my identity. I have no obligations with this new company per the contract. My debt has been sold without my consent. The account has been sold on the grounds of fraud. US Auto has failed to live out it's obligations, also breaching the contract. I demand that my title released to me without recourse of any kind. My title needs to be cleared of any liens of any kind. I demand a cease and desist of you guys not using my signature without my consent of any kind. I demand you not to put any negative marks against my consumer report of any kind. I also demand a cease and desist of all phone communications to stop as well. This day set forward mail only responses. I demand that you guys do not repossessed my vehicle. I also demand that you cancel the loan and refund my money back that I have paid to the finance company. I have also reached out to the attorney general about this matter and filed a ftc report as well for fraud. If this matter can't be resolved I will be seeking legal action. This will be the last response to resolve this matter next it will be from my attorney.
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

When I applied for an auto loan, the XXXX was presented as 8.24 % and suggested that there would be a .25 % deduction on my XXXX if I selected to use automatic payments. During the disclosure process with the loan officer I explained that I did not receive my deduction of .25 % for selecting auto-pay. He explained that auto-pay was optional and that the .25 % was already included in the calculation of the XXXX. I explained that the information was misleading because on the website and in his disclosure he said that auto-pay was optional. However, it is not optional if the XXXX is included in what was advertised as the rate without the automatic payment. The information on the USAA website is misleading. Moreover, I have excellent credit and I have been a customer with USAA for over 20 years. My APR should not be 8.24 % it should be much lower.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/XXXXand Transunion continue to publish inaccurate credit information. This has become detrimental to my employment in the financial segment. There are not one but 2 bankruptcies on each report that have been dismissed due to being filed erroneously or discharged incorrectly. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must Be removed by law immediately from both the transunion and XX/XX/XXXXcredit reports!
Consumer complaint received 2022-02-18
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: CURO Intermediate Holdings (IL)

AD ASTRA RECOVERY SE has been sending me collection notices in the amount of {$340.00} the collection has been reported as derogatory. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.