davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (TX)

XXXX XXXX XXXX HAS PULLED MY CREDIT 2 TIMES XX/XX/2022 XX/XX/2022 I DID NOT GIVE TD AUTO FINANCE THE PERMISSION TO PULL MY CREDIT. THIS INQUIRY IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I HAVE TRIED REACHING OUT TO CREDITOR AND TRANUNION WITH NO RESOLUTION OR PROOF/VALIDATION OF AUTHORIZATION.
Consumer complaint received 2019-08-30
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. (AR)

I recently filed a complaint with The Consumer Financial Protection Bureau : Complaint # :XXXX-XXXX, concerning 4 inaccurate accounts reporting on my TransUnion Credit Report. Within 2 days I heard back from TransUnion in regards to the investigation that they where to preform. TransUnion 's response as to the investigation was full of flaws. TransUnion reported that it would take 60 days for them to conduct an investigation. But, the FCRA requires them the conduct there initial investigations all within ( 30 ) days. TransUnion also concluded that whatever the results would be. If I disagreed or just didn't like what it would take them 60 days to come up with on the inaccurate account. I would have to contact each creditor myself to obtain results. This meant I would have to do the job TransUnion is paid to do. This is TransUnion 's way of scaring consumer. Discouraging consumers from using the Consumer Financial Bureaus and other agencies sites to dispute inaccurate on there credit report. And directing them to their flawed online dispute website here. www.transunion.com/XXXX. Where they have limited dispute reasons that don't give you your reason for dispute. As a result I'm consulting with a credit attorney in addition. I will be contacting my attorney general to obtain additional violations that pertains too this matter. I'm Outraged! I'm IRATE! I've included a copy of there response in the pdf below.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NY)

call this company ( Security Credit Services ) several times to no avail l was told name and address giving them does match their record, l was told l made {$1100.00} payment last month l told them to provide me proof that l made this payment they declined. l believes Security Credit Services doing an illegal act to re-age a credit account by declaring that l made payment. And they could not ( Security Credit Services ) provide me proof of payment Security Credit Services must remove this account from my credit profile. 
Account Number : - Creditor : - XXXX SECURITY CREDIT SERV
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

My husband XXXX XXXX and I had a Barclay credit card. We closed the card in XX/XX/XXXX which terminated any online access. I have been trying to get the XXXX Annual Summary but Barclay has not provided it. Beginning in XX/XX/XXXX I have called the customer service number XXXX on 4 separate occasions. I do not know the card number because we destroyed the cards and because our online access is terminated. However the Barclay rep was able to locate the account by my providing the last 4 of the social security number. The rep would not provide me with even the last 4 digits of the account number. In each of my 4 phone calls the rep promised to mail a copy of the XXXX summary, which I need for my taxes. We have never received the summary. The rep refused to transfer me to a supervisor. The last rep, XXXX was actually rude when I explained it was my 4th call and I had not received the summary that I had been requesting since XXXX. 
My desired resolution is to receive a copy of my XXXX Annual Spending Report Summary.
Consumer complaint received 2018-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

This second complaint is a response to the first complaint I filed against Navient. 
The CFPB was quick to close this case without getting a full disclosure from both parties. 
I demand from them on the full securitization process/inquiry current update of the XXXX. 
XXXX XXXX XXXX are Trustee on this account based on the forensic audit report done. 
That why I requested documents regarding this account ( s ) as outline in my first complaint, but Navient never response to my request. No request as proof to CFPB, the credit bureaus nor me the consumer. 
If XXXX XXXX XXXX showed up on a audit report, would it be to that person interest to find out why, how and provide documentations of their claim. 
Navient failed to provide any SEC reports, XXXX # and filings regarding this account as requested. 
Failed to validate debt, disclosure of securitization process of the MPN/PN etc ... to the consumer. 
Those acts construe violation of XXXX. I demand a reinvestigation.
Consumer complaint received 2018-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (CA)

I have been dealing with GC services since XXXX. I have always managed to pay my traffic tickets. Since XXXX I made payment arrangements and showed them financial hardship, made a deal that I will pay {$50.00} a month, but they have ignored this and as the result my credit score has been ruined TOTALLY. I HAVE SPENT LONG TIME ON THE PHONE WAITING AND RUDELY THEY HAVE JUST HUNG UP.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (VA)

On XX/XX/2022 I applied for a credit card via referral link sent by a friend, since I am a new green card holder here in the US and want to try increasing my credit score I tried to apply for this discover credit card and immediately I got approve without asking me if how long I have been living here in the US. I am so happy that I got approved to start building my credit score. However, when I got the physical card and activated it, knowing that I can already use it my first transaction was declined. So I immediately called the bank and ask why. So they say that I need to sign some documents so they can do a back check and its all fine with me. But the problem was they were asking me to provide a 3month bank statement until the XX/XX/XXXX of 2022. I called them again telling them that as much As I wanted to do that I can only provide a 2month statement until the deadline since I just arrived and started working here in the US just The month of XX/XX/2022. Then the only option they given me is to personally close the account or if I did not give them the requirements they need, they will automatically close my account even if I do not want it since either of those can greatly affect my credit score which initially the reason I applied for this is to build up my credit score as a starter. This is very frustrating on my part. They should have ask initially during the online application if for how long an applicant is currently residing in the US in that case that can immediately disapprove the applicant and not go through with process. Very disappointing. Me, together with my friends are now experiencing this situation that we dont want to happen when we applied. I tried calling them many times and they are just telling me the same thing, either close the account or they will automatically close it if we did not submit the documents they needed. Kindly help us with this discover credit card.
Consumer complaint received 2018-11-25
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: EQUIFAX, INC. (KY)

I have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.
Consumer complaint received 2022-07-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd (MI)

SUMMARY : On XX/XX/2022 my Wise.com [ Wise US Inc., XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Compliance, phone XXXX ] account got hacked. Multiple unauthorized transactions were made to destinations outside the US amounting to US {$21000.00}. This is what I found out when I finally reached Wise in XXXX XXXX on XX/XX/2022. On XX/XX/2022 at XXXX pm I received an email with an Account Closure notification which triggered off my activities to contact Wise.

In the Wise terms and conditions they are committing to immediately send an email notification for each and every transaction being made online to review and make you aware of any fraud. This did not happen. Wise also has my phone number on file. They never called me. This is very poor Cyber Security service. 

I relentlessly contacted Wise by email, phone and certified mail explaining what happened and requesting a refund. Since XX/XX/2022 they never responded to me neither by email, phone or mail. In the attachment you can see all the details and dates. 

Note : How can you contact Wise.com : a ) XXXX phone number - nobody every answers The Wise customer service phone number you find on XXXX is XXXX with an automated response : " Hi, thanks for Calling Wise. Our phone lines are closed at the moment. Find another way of contacting us or check when our phone lines are open on wise.com/help. '' b ) Wise.com/Help : I could not use the wise.com/help as it requires you to log in, however Wise had closed my account. 

c ) I XXXX  Wise in XXXX, yes it worked on XX/XX/XXXX. I explained The person what happened, he promised to email an appeal form but never did. 

d ) I found address and phone number on the online Wise.Com XXXX XXXX XXXX for the US. I called them and explained what happened, he promised to email an appeal form but never did. 

e ) It is not possible to talk to Wise Compliance, you are blocked by the customer service and the customer service is of no help.
Consumer complaint received 2019-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

I noticed in XX/XX/2019 that my credit limit was reduced from XXXX to XXXX. There is no reason why. If you check my history with the company I have never been late. On my credit report I don't have any late payments to any creditors. So I am wondering why an adverse action was taken. I have never had a high balance with them never missed a payment etc ....
Consumer complaint received 2023-03-26
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)

I understand that the court house do not share any information with trans union or do they have any information to provide on my behalf. 
I believe these accounts, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and bankruptcies dated XXXX XXXX and XX/XX/XXXX on my file may be an inaccuracy and a validation or removal of them would provide me with the understanding.
Consumer complaint received 2022-07-26
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. (CA)

I have been dealing with Experian and have disputed an alleged debt that was sold from XXXX to XXXX XXXX. I am not claiming that this debt is mine ( I am looking into it ). But I am disputing what is showing on my credit report for now. I have disputed the date of last payment that is showing up on my credit report. I first disputed this on XX/XX/XXXX, and then on XX/XX/XXXX and lastly on XX/XX/XXXX, all of them came back as Remains with no changes made. The Experian credit report shows that the debt is new as of XX/XX/XXXX, therefore showing a fall off date of XX/XX/XXXX. Due to the first date of missed payment reported to Experian the date of removal from my consumer report is incorrect. Its as if the debt was started over just because the collection agency bought the old debt. In the correspondence ( collection letter & XXXX statements ) that came directly from XXXX Adjustments it clarifies that the due date for the account ending in XXXX was XX/XX/XXXX. This means that the last payment made was clearly before XX/XX/XXXX. XXXX XXXX also reported this debt to the other two credit bureaus but those are showing debt was from XXXX with a fall off date of XX/XX/XXXX. I have also attached a letter from XXXX showing that the alleged debt is XXXX days overdue ( almost XXXX XXXX XXXX ). This is in divergence to the date of XX/XX/XXXX reported on my Experian report. Experian has failed to investigate the dispute/claim, they say they have verified with the creditor and that the results Remain unchanged. They clearly did not consider all the verification that has been provided. Had they investigated the dispute they would have seen the evidence to show the collection agency is not providing the correct fall off date. This also insinuates that I have recently become delinquent with current payments to this so-called new debt. This is wrong and affects me terribly as some of my current credit card limit amounts have dropped. They are illegally hurting my financial well-being by re-aging and reporting late payments of this debt which is affecting any ability to acquire financing.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

I received a credit card statement with two fraudulent transactions made on XX/XX/2019 for a total of {$270.00} by " XXXX XXXX XXXX GA '' and " XXXX XXXX OH '' and I haven't used my card since XX/XX/2019. 
I called customer service XXXX on XX/XX/2019 to report it and they gave me a Reference # XXXX where they told me that I will receive an answer on 7-10 days and that they can't cancel the account until the case is solved but I didn't receive any answer. 
I called back today XX/XX/2019 for an update on the fraud committed and the customer service at the fraud department told me that this fraud was sent to be " disputed '' not to be treated as a fraud. Now, this fraud is starting to be investigated and I ask to cancel this account because I do not want to be impacted by any other fraud-related transaction. 
This is the second fraud situation that I am facing in the last 4 months.
Consumer complaint received 2023-03-26
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number 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 furnish a account without my written instructions 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONWIDE RECOVERY SYSTEM for committing identity theft.On XX/XX/2022 I received an alert from XXXX XXXX asking did I open an account? The message from XXXX XXXXa stated It looks like an account with NATIONWIDE RECOVERY XXXX was added to your XXXX credit report. I have never given NATIONWIDE RECOVERY SYSTEM ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from NATIONWIDE RECOVERY SYSTEM about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONWIDE RECOVERY SYSTEM can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONWIDE RECOVERY SYSTEM continues its collection efforts, I will file for litigation for actual damages caused and NATIONWIDE RECOVERY SYSTEM will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXXt accounts, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U. S. C 1681 section 602 A. States I have the right to privacy. 


15 U. S. C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-04-14
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (CA)

I received an unauthorized hold for {$69.00} and attempted to chat with Credit Karma online to resolve the charge. The funds were " on hold '' and not accessible for my use. CK 's representative, XXXX, said the charge couldn't be addressed until XX/XX/XXXX, a week from now, that the unauthorized charge would need to complete and then I could ask for a refund. I asked XXXX repeatedly for escalation and was refused. Then I asked to speak with a supervisor and was again refused. I asked/demanded a total of about 12 times, each politely, and I never used coarse language or cursing, etc. After my 12 requests and demands, I was given the main phone number XXXX, and told to call there to speak with a supervisor. That number has a XXXX  of methods and menus to prevent consumers to actually contacting a representative, and no way at all to reach a supervisor/manager. I was finally able to reach a live overseas representative named " XXXX '', who asked me to upload pictures of my ID and a selfie of my holding my ID. She also refused to release the funds that were being held against my approval. I then asked her to escalate the call and allow me to speak to a supervisor, and she refused 7-10 requests, using misdirection techniques, including a " manager callback in XXXX hours '', and she finally told me she would go get a supervisor, and made me hold for several minutes until she returned and refused to allow me to speak to a supervisor. She hung up the phone when I got upset and demanded to speak to a supervisor. Clearly, they have no intention to escalate the issue in anything resembling real time. 
I'm livid because Credit Karma has no machination or willingness to protect me as a consumer, as its customer, and has no willingness as a company to solve issues of theft in real time. I have no access to these funds now, and no ability to speak to a manager or supervisor to address the issue. This is absolutely unacceptable. Is it legal?
Consumer complaint received 2022-07-26
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. (MO)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX ( XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX ( XXXX ) account # 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.