davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.
Consumer complaint received 2022-10-10
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. (CT)

It has come to my attention that on my Trans Union credit report there has been unauthorized inquiries in XX/XX/2022. This was extremely unsettling since during this same month two of my accounts were compromised as well. The following are the events that transpired : 1. I went on vacation on XX/XX/XXXX thru the XXXX, traveled back on the XXXX. 
2. On XX/XX/XXXX, my XXXX account was hacked with several unauthorized transactions, where as I was forced to freeze the account, change passwords and was reissued a new XXXX card. 
3. On XX/XX/XXXX thru the XXXX, my XXXX XXXX XXXX was hacked with several unauthorized transactions, where I once again was forced to freeze the account, change passwords and was reissued a new XXXX  XXXX card. 
4. On XX/XX/XXXX, there were an unauthorized inquiry from XXXX XXXX. 
5. Due to this inquiry, I was forced to lock my Tran Union account immediately so no more inquiries will bombard my credit report. 
6. After XX/XX/XXXX, I noticed the lock on my mailbox was broken, making my mail easily accessible to anyone. Therefore, due to the compromise, I had mailbox lock replaced and reinforced. 
7. On XX/XX/XXXX, there was an unauthorized attempt to open a checking account with a XXXX XXXX. Thankfully, due to the lock on my credit reports the company could not process the application. 

I was advised by XXXX and XXXX XXXX that my cards where most likely compromised while on vacation since all these events that compromised my financial accounts and credit report happened immediately after my vacation. 

It is suspected that the hackers who compromised my accounts are the same who tried to steal my identity to open new accounts in my name and broke my mailbox lock. They were hoping to steal my identity, get new credit cards, take them from my mailbox and use the credit cards while I would be stuck with the charges! 

Obviously, someone is monitoring my financials so now I have to be extremely careful with the security of my accounts going forward.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Betterment LLC (NY)

I created an account with company - Betterment, however they closed my account and said due to suspected fraud activities. They just closed my account and my money is stuck with them, they did not give me any detail or information about when the money will transfer back to my account, my money was just gone with betterment. I'm here to file a complain regarding they did not give me any further information.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As far as I comprehend, FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind examining the documents? It appears that there are inaccuracies in some of the listed accounts, which is causing me some discomfort.
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

I HAVE CONTACTED CALIFORNIA XXXX XXXX TO DISPUTE THIS ACCOUNT. 

I HAVE REQUESTED PROOF/DOCUMENTS FROM XXXX THAT I OWE THIS DEBT AND THEY CAN NOT PROVIDE ME WITH ANY. 

I ALSO SENT MY CORRESPONDENCE BY CERTIFIED MAIL AND THEY DID NOT INVESTIGATE MY DISPUTE AND RESPOND WITHIN 30 DAYS I FOLLOWED UP WITH A PHONE CALL AND THEY STATED " THEY DID RECEIVE THE LETTER '' MY CREDIT REPORT WAS NOT UPDATED AS DISPUTED. 

I THEN APPLIED FOR A MORTGAGE AND RECEIVED A A HIGHER INTEREST RATE. 

GIVE THE AUTOMATED UNDERWRITING PROCESS, THE FACT THAT XXXX DID NOT UPDATE THE ACCOUNT AS " DISPUTED '' IMPLIES THAT " I AGREE '' THAT THIS ERRONEOUS MEDICAL COLLECTION BELONGS TO ME AND ALL THE INFORMATION IS CORRECT. WHICH IT IS NOT. 

THIS ACCOUNT MUST BE REMOVED FOR REPORTING FALSE, ERRONEOUS AND MISLEADING INFORMATION. 

ALSO, UNDER THE XXXX THIS COMPANY " XXXX '' IS REQUIRED TO REPORT UNDER STATE LAW, ACCURATE, OBJECTIVE INFORMATION WITH MAXIMUM POSSIBLE ACCURACY BEFORE IT EVER EVEN DISPUTED.
Consumer complaint received 2016-01-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diverse Funding Associates LLC (IL)

DIVERSE FUNDING BOUGHT A DEBT AND RE-AGED IT. TODAY, WE WENT TO COURT TO DISPUTE THIS, WHEN I SERVED THE ATTORNEY FOR DIVERSE FUNDING PAPERS FOR A COUNTER SUIT HE THROUGH IT OUT HIS CAR WINDOW AND YELLED " YOU CAN XXXX '' VERY UNPROFESSIONAL. WHEN THEY WENT INTO THE COURT ROOM THEY DID NOT EVEN HAVE A CASE FILE FOR ME DUE TO THE FACT THIS DEBT IS SO OLD.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IL)

On XX/XX/XXXX I requested a refund from the loan servicer EdFinancial for all payments made after the payment freeze of XX/XX/XXXX. They failed to provide any confirmation statement, timeline, update to my balance on the EdFinancial portal or provide timeline on when refunds would be disbursed. I called up again on XX/XX/XXXX to inquire about my refund to which they stated there was no request. This is completely unacceptable as most lenders have been issuing refunds with in 30 days and have sort of confirmation that the request was made.
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (WI)

Every credit card that I have with Synchrony Bank has lowered my credit score because it closely monitors my accounts. If I am late by a day, the Bank automatically lowers my account balance and does not allow me to make any further purchases. Therefore, my credit score is lowered causing credits issues for me. I am being harassed and discriminated against!. I want my credit limits set back to what they were originally! However, this Bank only takes pleasure in hurting consumers not helping them! Synchrony Bank is a terrible company to have monitor your account.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint XXXXLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues i will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Consumer complaint received 2022-10-11
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. (TX)

Transunion Company : XXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX Company : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XX/XX/XXXX Company : XXXX XXXX, Account # XXXX, XX/XX/XXXX Company : XXXX XXXX, Account # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than to furnish a account without my written instructions n records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
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. (CA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-11
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 my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC (IL)

I sent them proof of my income and now they are saying that I underpaid by {$2900.00} in the last year and are now trying to to say I owe all of that plus my usual monthly payment on the XXXX. I did the math and there is no way I underpaid by that much. I have called Launch Servicing 3 times, and talked to 3 different people in the past day. Nobody is willing to help. I have tried to explain my situation, how I did the math and how it didn't add up, but they could care less. They are acting like they could never make a mistake and I'm crazy for saying that it is not adding up at all. They refuse to tell me where they got that number from. The only thing I have gotten any of them to say about it is why one of the people I talked to " feels '' about why I am getting charged that much.
Consumer complaint received 2021-07-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To XXXX, Transunion, XXXX  I feel that these accounts are adversely affecting my consumers report and costing me a boat load of extra money in interest year after year. This is not a regular dispute as i have already filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX ( XXXX  ) because to my knowledge I do not recall these ALLEGED accounts. I need this problem to be fixed PROMPTLY. I will not wait another fifty or sixty days to receive a no response because clearly this has been an intentional and deliberate attempt to ignore me as the consumer. I demand these accounts be removed and deleted IMMEDIATLY or i will be forced to file for litigation due to this long and drawn out stress that you have caused not only me but has hindered my ability to provide for my family. Section 611 ( a ). It is plainly and clearly stated that a failure to investigate this erroneous items within thirty days gives a legitimate reason to immediately remove those items from my consumers report it has been over 50 days so they should be removed and deleted promptly. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

The company, XXXX, offered me a {$300.00} credit to try their advertising. 

Then they took {$110.00} from my checking account during the trial period. 

I haven't used XXXX before and only signed-up to see if they were any good. 

I got three leads that were garbage. They seemed to be automated spam and not from humans. 

Then when I saw XXXX had removed funds I decided to close my account, which I did. 

I contacted XXXX via their chat feature, but was " serviced '' by a chatbot. I requested to be transferred to a human, but never was. 

At that point I decided to take the matter up with my bank, Citizens Bank. 

Citizen 's Bank said that they could not prevent further charges unless I cancelled my debit card. I asked them to block only XXXX, but they advised me that they couldn't. 

XXXX claimed that because it did not involve a recurring transaction... they couldn't because it wasn't recurring.
Consumer complaint received 2022-02-10
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 received a recent copy of my consumer credit report and noticed some unauthorized inquiries and COLLECTIONS that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.
Consumer complaint received 2022-02-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (UT)

XXXX XXXX XXXX was totaled on XX/XX/XXXX. According to XXXX, they acquired the vehicle on the XXXX of XXXX and sent funds to Hyundai Motor Finance in XXXX of XXXX. XXXX didnt accept the funds until XX/XX/XXXX which led to a per diem amount that needed to be paid off of & 188. I was not informed of that smoking and the insurance company sent the correct amount to XXXX. However, XXXX not accepting the funds for two months left a remaining balance that I was not aware of. Information was not sent to the correct address and I was not informed via email nor telephone. I now have a charge off of an auto loan on my credit which is stopping me from buying a house. I need this resolved immediately. Please help. XXXX as well could be involved with blame, as the amount for the car was more than what I owed on the vehicle.
Consumer complaint received 2016-01-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Our mortgage was transferred by XXXX XXXX XXXX to Carrington Mortgage in XXXX of 2015. It has been a nightmare ever since. First of all, our payments went up {$100.00} because of an " escrow cushion '' they charge. I have never heard of such a thing before. Second and most important, they were calling us nonstop to sell us on an FHA Streamline program. After much persistence we agreed. We agreed under the terms that our loan would be closed in a few weeks. We were also told that we would get a month off from paying. Well it has been almost two months later, and nothing except a headache. We had to make our payment in XX/XX/XXXX, which we were told we would n't have to do. We had to make the payment to avoid any late fees. They kept sending us loan disclosure after loan disclosure to sign. We did this all under the notion that it would be saving us money. Now, the rates have gone up while we could have used another bank to refinance. This has actually cost us money! The loan closing officer kept telling us different stories as to why this process was taking so long. He even told us that the county was lying to us! I have never felt so taken advantage of in my life. Now, we are n't using them and we still have this high payments particularly due to this " escrow cushion ''.
Consumer complaint received 2019-06-13
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. (KS)

I'm pretty sure you have my son 's old address ' on my credit report. His name is XXXX XXXX XXXX and I am just XXXX XXXX. I have never lived at XXXX XXXX  XXXX XXXX XXXX XXXX AR XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   AR XXXX.
Consumer complaint received 2023-06-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (WV)

I had a CD with Pure Point Financial for a little over XXXX In XXXX Pure Point issued a check to me for the full amount as they were bought out by US BANK. The cashier 's check that they issued me bounced. I have repeatedly been talking to them and I am getting an extreme run around. I was told US Bank issued a check and was told I should get it within 5-10 business days. Today is the XXXX day. When I called I was told well, sometimes the mail takes longer. And I was told there is nothing much they can do. I spoke with a supervisor and he said my only other option was to have the check canceled and to fill out paperwork for US Bank to get refund but he anticipated that would take several months.
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.