davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
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: Santander Consumer USA Holdings Inc. (CA)

XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Consumer complaint received 2021-12-03
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: WELLS FARGO & COMPANY (CT)

Wellsfargodealersvcs XX/XX/2020 no response XXXX XXXX XX/XX/2020 no response XXXX XXXX XX/XX/2020 on report twice no response XXXX XXXX XXXX XX/XX/2020 no response I would like these off my credit due to me not given permission nor having accounts with these creditors. I have no loan with them.
Consumer complaint received 2018-03-09
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. (CA)

XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/18 I received a check from XXXX XXXX XXXX for work that I was to perform for XXXX XXXX. XXXX XXXX initially contacted me via telephone and requested that I provide a quote for painting services. After agreeing on a price, XXXX XXXX sent mea check for {$4500.00} for the work to be performed. Part of this fee was to be spent on painting supplies and art to be hung up after the job was completed. My fee for the job was {$1800.00} with me receiving 50 % of the fee up front. The remainder was to be spent on the supplies. 

Upon receiving the check, I deposited it into my XXXX Checking account on XX/XX/18. That night XXXX XXXX requested that I withdraw {$3500.00} of the money and deposit it into a XXXX XXXX XXXX Account. The name on this account is XXXX XXXX XXXX. The account number is XXXX the next day on XX/XX/18 I looked at my account to make sure that his check was accepted. After seeing that my account reflected the deposit, I withdrew {$3500.00} from my account and deposited it into account listed above. XXXX XXXX XXXX required me to purchase a Moneygram for the deposit. 

Moneygram charged me {$0.00} for each money order. I bought 4 money orders. Once I deposited that money into XXXX  XXXX XXXX they accepted it. XXXX XXXX asked me if I deposited this money and he rushed me to do this. He told me to send him a copy of the deposit. With my frustration with rushing me I told XXXX XXXX I would not want to do this job. 

Upon this conversation I spoke to Moneygram to cancel sending the payment. At this point I knew this was not something legitimate and I wanted to cancel the payment so I can retrieve my money back. Moneygram refused to do that because it was a pending payment. By the time it was deposited into that Account on XX/XX/XXXX, " XXXX XXXX '' had already withdrew it. I can not know this for sure but I would like answers. Can XXXX XXXX XXXX/Moneygram reverse this payment so I do not have to be a victim of fraud like this.
Consumer complaint received 2020-04-28
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

I received notification on XX/XX/2020 a new credit report entry was submitted to my credit. However, I have not applied to have any new credit recently. 

I called Midwest Recovery Systems at XXXX central time. I was informed the call was being recorded. I provided my name and number. They requested I provide my social security number I declined due to multiple scams being attempted. Furthermore, I requested information about legal department person refused by hanging the phone up in my face. I called back at again. It provided a message about leave name and number and we will get back to you within 3 days.
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (OH)

I Have no knowledge of this account, but it is being reported on my credit report. 

Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation!
Consumer complaint received 2022-05-02
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. (LA)

N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX  XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2022-05-02
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. (LA)

N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reportinXXXX XXXX XXXXXXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number XXXX, Has violated my rights. 
N Accordance with the fair credit reporting XXXX XXXX Account number 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 2022-11-20
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: EQUIFAX, INC. (NC)

I RECENTLY REVIEWED MY EQUIFAX CREDIT REPORT AND I NOTICED INACCURATE INFORMATION BEING REPORTED. I NEVER AUTHORIZED THE BELOW INQUIRIES. THE FOLLOWING NEEDS TO BE REMOVED IMMEDIATELY : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX # XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 For XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-11-20
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. (FL)

I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : 1. XXXX XXXX XXXX XX/XX/2022 2. XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX XX/XX/2022 2. XXXX XXXX XXXX. XXXX XX/XX/2022 8. XXXX XXXX XX/XX/2022
Consumer complaint received 2023-03-09
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2018-03-09
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. (TX)

The whole year of 2017 i had sent letters after letters to Experian and XXXX complaining to them that my files are crossed filed with my fathers, hes a Sr and I am a Jr.The item is a Repossession of acc # XXXX  that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.
Consumer complaint received 2022-05-02
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. (FL)

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXXXXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX XXXXcount # XXXX - XXXX account # XXXX - XXXX account # XXXX
Consumer complaint received 2018-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (GA)

I was locked out of my XX/XX/XXXXaccount on XX/XX/18. I waited a while since this usually clears up on its on but it did not. I called customer service and he told me he could not help me. He said he would send an me an email in which would explain how to get in touch with the appropriate department. I never received an email. I logged into my Coinbase app on XX/XX/18 and tried to buy some BTC. It prompted me to verify my identity, which I had done months before. I followed the process and received an email stating that I had been verified. But when I tried to make a purchase it gave me the same error. I verified again and received an email confirmation. But the app still said that my Buys had been disabled. I received the same message on the website.I contacted customer service who verified that I can not make purchases, but could not tell me why. She said she would escalate it and that was all she could do. She said someone would contact me shortly. Meanwhile I have USD sitting on XX/XX/XXXX that I can not access as well as roughly ETH and BTC. I would like to access my funds immediately but can not. I have heard numerous complaints from customers stating it took months and still no response from Coinbase. This is unacceptable.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (WA)

Hello, On XX/XX/2020, I received credit cards ( in my name ) from PNC Bank and XXXX XXXX. I never held any accounts at either bank nor did I apply for any credit card with either of those banks. 

Thanks
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I was charged for a subscription that I didnt want. The company XXXX was trying to give me a refund, but can not because the bank canceled my card now the bank is requesting that I reach out to the merchant for a reimbursement via check. However, XXXX does not answer and thats not the form of reimbursement that they do.
Consumer complaint received 2018-11-01
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: CARRINGTON MORTGAGE SERVICES, LLC (MO)

On XX/XX/2018 XXXX XXXX representing Carrington Mortgage Services LLC placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my XXXX, XXXX, and XXXX reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My consumer rights has been violated, looked over and not been taken into consideration. By XXXX, Transunion and XXXX. They have violated 15 usc 1681g,15 usc 1681i, 15 usc 1681e ( b ), 15 usc 1681 5a, 15 usc 1681 ( 8 ) ( c ), 15 usc 1681 ( i7 ). XX/XX/XXXX I sent a certified letter to each bureau requesting them to verify, update and respond to me by mail with updates within 30 days with information that i requested. Each have failed to do so up to todays date which is XX/XX/XXXX. XX/XX/XXXX i sent out certified letters to each bureau reminding them of the laws they have broken. XXXX and XXXX failed respond all together, never received anything. Transunion only sent my report. XX/XX/XXXX I sent more certified letters reminding them that have broken laws again. XX/XX/XXXX I requested for unverified accounts to be removed as they have broken the laws and is required to be removed, they failed to do so. XX/XX/XXXX I sent certified letters reminding them of internal laws that have been broken outlined in XXXX Compliance, which all 5 laws have been broken and violated. XX/XX/XXXX I sent certified letters in an attempt for them o make things right but still failed to follow the law. XX/XX/XXXX was my last attempt certified letters for them to follow the consumer laws that should protect me. A fair resolution will be for them to remove all negative accounts from my credit profile as each of the laws have been broken outlined at the beginning of this complaint. By reporting inaccurate and unverified information is a violation of my rights and prevents me from moving forward in life.
Consumer complaint received 2022-05-02
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. (OH)

I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.
Consumer complaint received 2018-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received a copy of my credit report and am disputing some items that need to be corrected. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be corrected are indicated below : XXXX XXXX XXXX # XXXX, According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. 
If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. 
According to the provisions of 612 [ 15 USC 1681j ],  there should be no charge for this report. 
If you have any questions or need additional information, please contact me at address noted below.
Consumer complaint received 2021-03-05
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. (NV)

This is in reference to XXXX XXXX XXXX. 
There is a collection with XXXX, XXXX  and Trans Union concerning a loan that I had with XXXX XXXX. The collection was on my credit report for 7 years and was removed because of the time frame had expired. By law, they had to remove this collection and was removed in late XXXX or early XXXX. It has since been re-established on my credit reports as of XX/XX/XXXX. 

I believe this is a flagrant and intentional violation of Federal law. I am requesting you look into this issue on my behalf and hold the company responsible for their error.
Consumer complaint received 2021-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OZK (NC)

In XXXX of this year, I opened a personal checking account with Bank OZK. At that time, I made clear, and bank records show, I made the declaration to refuse Bank OZK 's overdraft protection. Not much later, I opened a business checking account with Bank OZK and ALSO refused the overdraft program. 
Months later, I receive a notice in the mail " Congratulations! '' you have been approved for a {$500.00} overdraft protection. And then the same letter came for my business account. I call multiply times, but was told call times were really long because of covid. I spent a lot of time trying to opt-OUT of this program. 

At one point, I had the perfect storm of client 's failing to deliver checks and XXXX would not disburse my funds quickly enough to cover. So my account began being drained by the cycle of overcharge- overcharge fee- draining my account. 

Effectively, Bank OZK was " helping me out '' despite my declaration to the contrary, by " granting me {$500.00} of overdraft protection '', and they then stole nearly {$300.00} from my account. 

These types of issues have been litigated and these programs have been found illegal, unless the withdrawal was a scheduled one. 

I have given bank OZK plenty of opportunity to do what is right here and XXXX XXXX at their XXXX, NC office has been impossible. 

I started my business a month before Covid hit and I knew it would be hard, but I didn't expect to have to fight my own bank.