davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting Act ( FCRA ) and ( FDCPA ), specifically section 1681. I have identified the following potential violations : 1. Violation of FCRA Section 1681 ( a ) ( 1 ) ( A ) : I have not received proper notification of the inclusion of this charge-off account on my credit report. According to this provision, consumers must be notified of any adverse information in their credit reports. 
2. Violation of FCRA Section 1681 ( a ) ( 2 ) ( A ) : I have not received a copy of my free annual credit report once every 12 months, as required by the FCRA.

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

4. Violation of FCRA 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

5. Violation of FDCPA Section 809 ( b ) : I have not received written validation of the debt within five business days of your initial contact, as required by the FDCPA.

6. Violation of FDCPA Section 809 ( b ) : A detailed statement of the debt, including the name of the original creditor and the amount owed, has not been provided, as required by the FDCPA.

Please investigate these potential violations and provide a written response within 30 days, in accordance with the FCRA. 

In accordance with de Fair Credit Reporting act XXXX accounts, has violated my rights. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received a promotional post card to open an account at Citizens Bank in XXXX, Ma. In XX/XX/2022. The promotion was for opening a checking account or a savings account and subsequently receiving {$300.00} for each account, after making 3 consecutive deposits over the next 3 months. The {$300.00} should have been credited to my account in XX/XX/2022. At the time I opened the account I inquired as to whether I needed to open a checking account and a savings account. I was told by the bank representative that I did not have to open both accounts. I was assured by another bank representative, XXXX XXXX, that I would qualify for the {$300.00} for opening a savings account alone. I met with XXXX and opened the savings account with the understanding that I would receive the promotion after making the required monthly deposits. I made the required deposits. The {$300.00} promotion was never credited to my account. I called the bank in XX/XX/2022, and was transferred to an escalation supervisor, XXXX XXXX in Pennsylvania ). XXXX told me I was required to open a checking account at the time I opened the savings account under the promotional offer. She said I would receive no money. Her response was not consistent with what I was told by bank employees at the branch where I opened the account. 

On XX/XX/2022 I contacted XXXX XXXX at the branch bank where I opened the account. He looked into the matter and told me I would not be receiving the promotion. 

I would not have opened the account if it had been made clear that I wouldnt have qualified under the promotion. I retained the post card that had been sent to me, and it is not at all clear that both accounts needed to be opened. Two people from the bank branch also interpreted the promotion the same way that I did. 

The promotion is clearly misleading. I am an XXXX and my husband is a XXXX XXXX We both considered the promotion as only requiring one account ( savings or checking ) to be opened. Branch employees agreed with out interpretation. The misleading promotion turned out to be a waste of my time in opening an account, and following through on meeting the required monthly deposits. Please investigate this matter, as I feel the bank has fraudulently led people to believe they will be receiving something they had no intention of following through on. 

Thank you in advance for looking into the matter
Consumer complaint received 2022-09-19
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. (TX)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX. XXXX XXXX  Account 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. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX Account XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation.
Consumer complaint received 2022-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

XXXX  XXXX Credit Card XXXX Comenity Bank I paid off my balance on XXXX of {$830.00} Two days later they charge me a late fee and then continued to do so up to XXXX with the " transaction '' being called an interest charge on purchases. I have not used the card at all since I paid off the balance. 
I also requested the card be canceled the day I paid the balance. They gave me a number that wasn't answered until today and instead of canceling the card they froze it even after repeatedly asking to cancel the card completely. I have a balance of {$120.00} now that I did not create myself because of " late fees '' and " transaction fees '', which again I have NOT used their card since the initial balance was paid. They have made it extremely difficult to communicate with them and I strongly believe they are doing it on purpose so that more fees can pile up
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America- on XXXX two charges for XXXX XXXX were declined in my checking account. I received notification that there was suspicious activity and confirmed the charges were not made/authorized by me. I was told there would be a stop payment on those charges and no additional charges would be allowed from that vendor. The next day 6 charges from XXXX XXXX hit my account totaling {$7800.00}. I received a suspicious activity alert and immediately called to dispute the charges and submit a claim. My account was then hit with {$230.00} in international transaction fees. 
Bank of America knows that these charges are fraudulent. I'm a residential mortgage lender in XXXX, AZ and my charges are to local companies or XXXX. In no way could these charges be mine or as a result of negligence. 
I have contacted BofA countless times since XXXX for status updates. During this time they made no attempt to contact me for additional information. I was told that they have until XX/XX/18 to either make a decision or provide a temporary credit while the investigation continued. 
I called today XX/XX/18 and was told my claim was denied and that I was liable. The know that this was fraud. I mean XXXX XXXX???? I am bygone frustrated and ready to seek legal advice and escalate this.
Consumer complaint received 2022-09-19
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-19
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-08
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. (FL)

In accordance with the fair credit act conversion of the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX {$440.00} Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date n/a {$720.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( finance ) 15USC1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SEC 604 A SEC 2 STATES : CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN PERMISSION.
Consumer complaint received 2023-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I applied for an Income Driven Repayment plan in XXXX on XXXX, the site ran by the Education Department and which transmits the applications to borrowers assigned servicers. My servicer is Nelnet. I was approved on studentaid.gov for the new SAVE plan, which subsidizes any difference between your monthly payment, as determined by the borrowers IDR plan, and the monthly accrued interest ( in the event that the interest is greater than the payment ). 

Nelnet has failed to approve my application. No one at the company can tell me when it will be approved. No one Ive talked to, after having to wait on hold for hours every time, seems to know ANYTHING about when this might start getting fixed. 

Meanwhile, interest started accruing again in XXXX. So far I have accumulated about {$2000.00} in interest. I AM UNABLE TO MAKE A PAYMENT ON THE SAVE PLAN BECAUSE NELNET HAS FAILED TO PROCESS MY APPLICATION, MEANING NONE OF MY INTEREST IS BEING SUBSIDIZED. Moreover, Nelnet put me on an administrative forbearanceDURING WHICH INTEREST STILL ACCRUESwithout my asking. So I have no payment due, meaning no payment to chalk up towards my interest, the difference between which is supposed to be being subsidized. 

So, Nelnet is effectively holding me over a barrel while I rack up interest because of their incompetence. I am financially bleeding profusely and its all Nelnets fault. 

Their actions are illegal and I will be suing if this isnt resolved.
Consumer complaint received 2023-03-06
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX ( Act # : XXXX ) has violated my rights. 

15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2, also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

I deposited a paycheck on XX/XX/2022 with the amount XXXX at a Wells fargo bank branch ATM, the next day I received the message from the bannk as : " We received your recent deposit to your Wells Fargo account XXXX and credited that amount to your account. 
Some or all of these funds will not be available for your immediate use. The reason for the delay and the date your funds will be available are stated below : Deposit Date Deposit Amount Amount Delayed Hold Reason Date Funds Will Be Available XX/XX/2022 XXXX XXXX Your Endorsement Was Missing XX/XX/2022 '' I talked with the bank teller in the branch and the customer service by phone, they told me because it is a large amount so they need my endorsement when deposit in a ATM, but when I did the deposit there was no reminder about that. 

I need the money to pay the rental in XXXX, so I talked with customer service for XXXX options, either send the check bak to me so I could sign the endorsment or they could cancel the check so I could ask my employer resend my another check. But they said either way won't work. 

They said they need XXXX business to verfiy with XXXX XXXX, where the check from, to collect the money, but my employer checked with his bankc account, the money already collected by Wells Fargo. 

When I talked with the superviser of Wells fargo on the phone, he just told me it is a common sense that ATM couldn't take large amount check that I should know. After I said I couldn't wait that long for the process because I need the money for the rental, he just said he couldn't do anything and hang up the phone which is very rude. 

Now I have to wait until XX/XX/XXXX for them release my check, it is unacceptable. I can not take that.
Consumer complaint received 2022-04-01
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-09-19
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. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$9000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
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: Experian Information Solutions Inc. (NJ)

In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-09-19
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-08
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-04-01
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report because it is affecting my score negatively. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX