davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please be advised that CREDIT BUREAU is reporting the wrong address information on my credit report. Please delete this address : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX  XXXX card that has XXXX on it i believe is the limit for some reason it is not showing up on my XXXX XXXX. it always did before. I just want my age of credit and my age to not be effected. unsure as to why it is not showing maybe XXXX XXXX is fixing something. I did speak to XXXX XXXX they said everything was good. So what I am asking for is that my information on this card be resent to all credit company reporting agencies. This is as of XX/XX/2020
Consumer complaint received 2020-12-07
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. (LA)

On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX  Data Breach. I demand to Deleted those accounts or I will file litigation.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I was unable to access my mobile banking account. I was given a error page that stated my account is locked and to call XXXX XXXX XXXX XXXX XXXX. Bank of Americas accounts closure department. I called to learn that all of my accounts with Bank of America were closed due to fraud accusations. I was given minimal information because they were unable to see transactions going back further than 30 days. But they accused me of accepting deposits from a fraudulent Employment development check card totaling {$190.00} and thats all they could tell me. XXXX the representative said that after the investigation I would receive the remaining funds in the mail by check. I deny such accusations. I myself do not receive unemployment benefits. Bank of America is contracted with the XXXX to provide check cards to individuals that receive benefits. I called that department. They stated that anyone with a routing and account number can make deposits into anyones account and the names do not need to match. Bank of America allowed this fraudulent activity to occurs and in return without warning accused me of fraud. Closed my accounts I still have not received my money. I have not paid my mortgage or car payment. I am a single mother of XXXX children. This is a tyrant banking system! I am unable to retrieve account summaries as they locked my account I do not get paper statements.
Consumer complaint received 2022-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

All 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) are reporting a medical alleged debt less than {$500.00} ( XXXX ) on my consumer report. I sent letters telling them to remove those collection on my consumer report but they did not do it.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I was using XXXX and moved out of address. I was going to pay the bill to XXXX and then a month too late they gave this debt to helvey so i contacted helvey today that i want all derogatory stuff all credit file in exchange for the XXXX paid in full today and they refused to help me do that i called XXXX back and offered the XXXX if they would remove all derogatory XXXX and they said it is too late to pay them directlyt so i want to pay this XXXX today cash and only if they remove my collections and late and all negative remarks all bureaus ..
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Opened an account on XX/XX/2021. Terms advertised that if I opened an account with citizens bank and directly deposited at least {$500.00} within 60 days of account opening I would be paid {$300.00} by XX/XX/XXXX. I would also be paid an additional {$2.00} for each debit card purchase in the first 60 days up to {$100.00}. I met both requirements. I contacted citizens bank on XX/XX/XXXX to inquire on where my incentive was. I spoke to 4 different people and then got a request submitted for research. They said give it to this Friday or the next and it would come XXXX XX/XX/XXXX or XXXX ). I still didnt get my incentive. 
Case number XXXX
Consumer complaint received 2021-06-23
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: OneMain Finance Corporation (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2019-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

I had a car accident where a women run me over, i used to have an attorney And he Did a deal with the hospital that I had to pay XXXX  {$4000.00} for the entire bill because the total amount was around XXXX {$470.00}. I have the letter from XXXX and the insurance that they did paid, the accident was on XX/XX/XXXX, and I was in ther from XXXX XXXX to XXXX
Consumer complaint received 2022-07-14
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. (TN)

I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Consumer complaint received 2022-07-14
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. (TN)

I have a closed account with XXXX that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with XXXX was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with XXXX regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Consumer complaint received 2019-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ND)

USAA bank refuses to cancel my account. They will not talk to me. They have locked the account and submit bills to the account for payment. I do not want to pay for insurance I do not want nor need. They charge me for the phony bills. USAA insurance will not talk to me and will not cancel my insurance. What I want is for USAA to cancel my insurance and cancel my USAA creditcard.
Consumer complaint received 2022-11-29
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. (MI)

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 Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # XXXX Account name : # 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 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 2022-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (IL)

XXXX XXXX apartments expects rent payments dating back to XXXX of the year 2021 in spite of the lease I signed expiring in XXXX of the year 2021. I have signed legal documents stating that I would not be renewing my lease with XXXX XXXX, and have not lived in the apartment for over eight months. I have contacted them on multiple occasions explaining this to no avail. My keys, parking passes, parking stickers and recreation center passes have been returned to XXXX XXXX apartments since the date of XX/XX/XXXX of the year 2021. XXXX XXXX has not contacted me in over three months, leading me to believe the financial charges were absolved.
Consumer complaint received 2020-12-04
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and loss of income that this bad credit rating caused me. Per my attorney, my information was impacted by the XXXX data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2021-07-02
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: LEXISNEXIS (MO)

I, the consumer, Have reached out to LexisNexis several times to resolve this matter. The First attempt was by phone on XX/XX/2021 and the second was by certified mail that they received on XX/XX/2021. They have yet to remove the the fraudulent information that they are reporting on my consumer report. Pursuant to 18 U.S CODE 1028 ( a ) ( 1 ) and 18 U.S CODE 1028 ( a ) ( 2 ), they are knowing and willing, without lawful authority or my permission, have produced and transferred my person information which constitutes as IDENTITY THEFT.

Pursuant to 15 U.S. CODE 1681 ( a ) ( 1 ), I ( the consumer ) have a right to PRIVACY, and you must respect it.

Pursuant to U.S CODE 1681b ( a ) ( 2 ), You must have my WRITTEN PERMISSION to furnish any information on my consumer report. I NEVER gave permission for any informat0ion to be furnished. There is no such thing as public records when it pertains to a consumer. Any information obtained about myself without my permission constitutes as FRAUD.
Consumer complaint received 2020-12-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliance Group & Associates LLC (TX)

On XX/XX/2020 at XXXX XXXX I received a call and I answer the incoming call. When I said hello and automated system said sorry about the inconvenience and hung up. After the fact I assume this was to bait me into calling back. I called back and explain to the rep I have a call from the company in the system hung up. She told me they were looking for XXXX XXXX. I said to her how can I help you she began to tell me I had an account in their office and gave me the last four of my social security number. She did not give me the mini XXXX she did not give me the recording call disclaimer and she did not verify for me that I was the party she was looking for before disposing my personal information. I began to write things down and ask her her name and she said it was XXXX. And I said how can I help you what is the account for. At that point it's when she decided she wanted to make sure that I was XXXX XXXX. I told her you already given out my personal information and gave me the last four of my social before you identify who I was so at this point it doesn't really matter. She began to argue with me and tell me no she did not and I said yes ma'am and you did. She told me she was not going to go back and forth with me and ended the call. I called back and spoke to another rep XXXX, who was polite she didplace me on hold before she came back and ask me to verify the last four of my social she repeated it and I confirmed. She then gave me the mini XXXX and the recording call disclaimer and then she went into explain me what the account was for. I told her that I was not paying that debt as it is not something that was mine and I asked her to place me on the Do Not Call list This company also has never sent me a any type of debt validation for me to dispute it
Consumer complaint received 2022-07-23
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. (TX)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

During Covid Wells Fargo reached out offering to put my loan on hold if I was struggling. I was. I was told this balance of missed payments would not affect my loan, it would be rolled into the end. Wells Fargo is trying to force me into a new loan. They delivered offers to reduce payment raise rate and lengthen loan. I denied I said I wanted the balloon payment like promised and read to me in the disclosure every time I accepted another 3 months of holding payment. One rep said balloon not available. Next said it was. They gave me the option of lump sum or new loan. I told them I wanted to pay the lump and got put in foreclosure. Im being extorted by my mortgage lender. My loan is also backed by XXXX XXXX which I was told asking for a lump sum is not allowed.
Consumer complaint received 2020-12-07
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF HAWAII CORPORATION (WA)

I have tried to close this account for a year. Their website does not allow me in even after reset of password and the bank doesn't send statements. I have asked for assistance many times and always the promise someone will call back to help with no return call. I have asked several times for the bank to close the account and send the balance which they promise to do but never do. The last time I called I was told I have to go to the branch XXXX miles away as the account is listed as inactive. I asked for a supervisor and was told they would call but alas they never follow up. They also cashed a check last XXXX which was over a year old even tho I was told that checks over 6 months old are invalid. I did get an email from the bank with a link to their website when I asked for a statement but alas it was a link to their Website which I can't access. unbelievably unresponsive bank. There is really something wrong with this bank.