davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This bureau reported misleading information and they trespassed my rights of privacy. They have failed to do their GRAVE RESPONSIBILITY which is to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. This is a direct violation of federal law. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2021-05-05
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. (OH)

XXXX ; Experian and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-05-05
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. (OH)

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2020-09-05
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 a written request that you investigate specific items that I believe to be reported in error. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items in Identity Theft must be deleted : The listed items are completely inaccurate and must be corrected. It is my understanding of the law that you are required to complete your investigation within thirty days. I am awaiting your response.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TN)

These numbers have been contacting me for a total of 35 days, and I have tried to get them to stop contacting me. I am on the do not call registry, and I do not owe any debt to the company registered under these numbers, or any company for that matter. The numbers are XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure if these numbers are registered under the same company, but I know that the first one is Afni Inc . They threatened me with arrest, and threatened to lower my credit score, which I know is illegal. Thank you.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HERITAGE CREDIT LLC (TN)

In or around XXXX of XXXX my employer was served with a garnishment notice in regards to this account for the total amount of {$2000.00}. My wages were garnished until approximately XXXX of XXXX when I was notified by my employer that the total amount had been satisfied. Now First Heritage is reporting me to the credit bureaus as 60 days late and owing an additional {$300.00}.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (FL)

I've sent several requests over to the credit reporting agency to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. The credit reporting agency has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, they simply update the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. 
The credit reporting agency has ignored my requests and its been 6 months later.
Consumer complaint received 2023-02-01
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. (PA)

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 XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX XXXX  acct # XXXX Account name : XXXX acct # XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 crime 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 consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. Information, other than records of convictions of crimes which anledates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate please delete
Consumer complaint received 2021-07-13
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. (GA)

I have attached a letter from XXXX XXXX stating that the account should have been removed. The account still reflects on my credit file even after dispute. I received this letter dated XX/XX/2021. I now question what is being investigated because this should have been handled upon receipt. Who are you interviewing and investigating when the consumer disputes accounts and other information being furnished in my name?
Consumer complaint received 2017-12-19
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)

On XXXX XXXX, 2017 I received an alert on my credit report that a company by the name of XXXX aka : XXXX XXXX stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted Transunion Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Consumer complaint received 2020-06-04
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. (FL)

Please Place a fraud alert on my credit files I'm a victim of identity Theft someone brought a car under my name this need to be investigated I did not give any consent to any account to be open with out my authorization This Accounts if fraud
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: VALLEY NATIONAL BANCORP (NJ)

I had a $XXXX  balance in my overdraft account. On XX/XX/2019 I mailed XXXX the manager of the Valley Bank branch in XXXX, New Jersey my check for $XXXX   which was way more than the monthly minimum! Yet XXXX from the bank has since then called me three (3) times to demand payment!This is harassment! He called this afternoon, XX/XX/2019!
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

Wells fargo lost my wallet seen old man watching ne didnt think nothing about it then lost wallet next day I have a XXXX withdraw that didnt fo now my pin is on my another card but in the numbers it's not written down they even stated that even though it wasnt me that took the money they got my pin right first time probley cause dude wat had me now they will not give me my money back and I'm out XXXX wells fargo XXXX I want even at the bank that day so this is wrong and I shouldnt ne held accountable
Consumer complaint received 2019-08-09
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. (FL)

I am a victim of identity theft.  I found out when I started getting calls from banks about late payments on credit cards.  I found out there are several accounts that were applied for and approved using my personal information without me giving consent.  I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (VA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

I set my house payment on a automatic payment plan with my bank. 
they send me a letter saying I was cleared to have that loan payment to the mortgage company withdrawal. 
I when on vacation and was force to stay due to Coron viruses and did not have information autocratic withdraw. My bank said it was the mortgage fault. The mortgage said it was the banks fault. I know and have the letter the bank sent me on the withdraw so I believe it is the banks fault for not honoring the letter. 
The mortgage company place a thirty day late payment on my report and now my score dropped.
Consumer complaint received 2019-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (MD)

I was forwarded to a collection agency by XXXX. I had an 18 month lease that ended in XXXX and they are trying to say that I still owe money and without notice or change to my services my bill went up over {$50.00}. I've paid all that I owe and this company has threatened to ruin my credit as a result of this extortion.
Consumer complaint received 2023-03-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC. (FL)

To : CEO/CFO/LEGAL DEPARTMENT AT SANTANDER CONSUMER USA , I XXXX XXXX XXXX come to you in Good Faith and Honor to get resolution on application ID No : XXXX. On your responded to ref.case # XXXX you said that wasn't denied of credit. That their was two applications where credit was approved and condition. So If I got approved for extension of my credit, but you said their is condition to it. If you can tell me where in the Law said that for exercising my right to Extension of my own credit their is conditions? Where in the Law said that money Down for Extension of someone own credit on a " Consumer Credit Transaction '' is need it and is not part of the whole sum in a " Finance Charge ''? Where in the Law said that their is Limit to grant credit in the Amount on term Requested for extension of consumer credit? Unless you can show me on the Law that I'm wrong and your right on subject matter, you false and misleading on responding to reference case # XXXX, Willfully and Knowingly under 15 u.s.c. section 1611 is a violation and Criminal Liability because is Public Information. Under " TILA '' " FCRA '' " FECOA '' ACTS 15 u.s.c. section 1691 ( d ) ( 6 ) and 15 u.s.c. section 1681 ( k ) ( 1 ) is illegal to denied, revocated or refused to grant Credit in the Amount requested or negative change in connection with a consumer credit transaction. Under 15 u.s.c. section 1681o : Civil Liability for Negligent noncompliance.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (AL)

This complaint is lodged against Synchrony Bank. Over the past XXXX weeks, Synchrony has cancelled XXXX credit accounts ( Care Credit {$3000.00} limit/ no balance, and Matress Firm {$4500.00} limit/ no blance ), have lowered my credit limits on XXXX cards ( XXXX from {$1000.00} to {$250.00} and XXXX  XXXX credit card from {$800.00} limit to {$250.00} ). All of these accounts were current, and had no missed payments. Synchrony sent me letters identifying why they did what they did. This kind of actions hurt consumers by decreasing their available credit, and increasing their Credit Useage % on their credit reports. I do not have a record of missed payments on any of my credit reports or accounts that are " derogatory ''. Synchrony 's justifications basically boiled down to not paying down enough on my XXXX XXXX mortgage ( refianced in 2021, and too many inquiries on my credit report. They pulled this information from XXXX. My credit score has since taken a hit from XXXX down to XXXX +/- based on the loss of these accounts. I have XXXX other accounts with Synchrony, and am worried they are going to do the same thing to those accounts " based on a review '' of accounts.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (OH)

On XX/XX/XXXX, I made a transaction " XXXX XXXX - XXXX '' for {$53.00}, which should be qualified for 5X points. BUT I only receive XXXX points, and I am missing XXXX points. I've contacted Barclay customer service twice, and case ID is XXXX. It has been six weeks but still no progress at all.
Consumer complaint received 2020-09-05
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. (NJ)

I have filed several complaints against Transunuion ans finally, the US Bankruptcy court wrote me a note saying that they did not validate and or do not validate Bankruptcies. Transunion is in violation of my Fair Credit Reporting rights. Please see attached and advise Teansunion that the Bankruptcy that is reporting neds to be removed under the Federal law. To add to complaint number XXXX. With all the prof that I am providing, I do not understand why this is still on my credit.
Consumer complaint received 2022-04-26
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: U.S. BANCORP (AZ)

somebody opened up a credit card through US Bank under my name. my identity has been compromised. i have gone to US Bank to have the credit card cancelled. i will also be filing a police report.
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I responded to HSBC 's promotion and opened an HSBC Advance Checking account in XXXX of 2019. Received an email that they processed my opening deposit on XX/XX/19. The promo stated that I had to keep the funds in for 90 days. Then, HSBC would take " up to an additional 8 weeks '' to deposit the {$350.00} bonus amount. So, the timeline would take us to end of XXXX 2019. I called and emailed in XXXX. Nothing happened. I called an additional 3 times and emailed in XXXX and XXXX. The bonus should've been deposited by XX/XX/19!! I spoke to several people including supervisors. The names are XXXX, XXXX ( supervisor ), XXXX ( supervisor ) and today on XX/XX/19 XXXX. All emails responses and all phone calls ( which lasted about 45 min. each ) rendered absolutely no resolution OR timing. In fact ( and these calls should all be recorded and verifiable ). I was told that the Marketing Dept. was responsible for the Bonus but they were not allowed to contact them nor was a customer. Here I sit as a very frustrated and psychologically abused customer with no idea when or if my funds will be available. It's been an additional 6 weeks on top of the 90 days + 8 weeks. Each of the email responses I received within my HSBC account website states that their " Management Team '' is working on it and needs more time. MORE TIME? This is a simple digital and electronic transaction. What is their " Management Team '' actually working on. Really! Were they " all '' hit by a bus. This offer was completely misrepresented and fraudulent. They seem to keep the customer in a black hole while they maximize their float income and take advantage of their customer. Unable to contact anyone at the organization with any authority to resolve this AND THEY stated that there is no one else I can contact. It's now about 6+ months waiting while I earn about .01 % which I did not see in any fine print! Is this blatant manipulation of the customer so HSBC can squeeze every last penny by delaying any contractually required payment. Total misrepresentation and pathetic customer service which HSBC claims in World Class!  How do any of the regulators let them get away with any of this. Help me understand why with all the noise about more and stringent banking regulations to protect the depositors, I still can't get any resolution, timing or speak to anyone with authority!