davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (PA)

I have a Hard Inquiry from XXXX ( Utilities and Fuel ) done on XX/XX/XXXX. I did not apply for a credit card or phone with XXXX. 
on XX/XX/XXXX, following the identity theft plan from the Federal Trade Commission FTC Report # XXXX, i called XXXX fraud department at XXXX and the agent ran my social security number XXXX and found No records of myt social security number appling for a cc or phione service. There was no application regarding my social security number. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (TN)

For four months I have been trying to transfer an IRA from US Bank to XXXX XXXX. For four months I have been unsuccessful. I have filled out multiple transfer forms, been to the local branch in XXXX many times, spoken with the corporate office multiple times, talked with XXXX XXXX at XXXX XXXX multiple times and I have gotten nowhere. The balance is around XXXX. I have filled out the transfer forms at least three times and XXXX XXXX has overnighted them each time and when I call US Bank a few weeks later they said they have not received anything. Is it possible they are that incompetent or that uncaring. I am not sure but all it would take is a simple phone call to XXXX XXXX to clear this up and they won't do it. I am sure they pick up their phone ten times a day and call their girlfriend but to do this for a customer is a no go. I was in the medical profession for forty years and we made calls all day long to solve problems. This is the worst experience I think I have ever had with any corporate institution. These people at the US Corporate office will not even call their branch offices to help a customer. Simply put they have been total XXXX  to me and after four months I have gotten nowhere. 
XXXX XXXX
Consumer complaint received 2023-11-08
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. (TX)

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.

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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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. 

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 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MI)

Around XX/XX/2021 I contacted Wells Fargo after visiting XXXXXXXX. I found incorrect information in my report from Wells Fargo. I received a letter from company in XX/XX/2021 stating that full balances would be reported to all 3 credit bureaus. When I pulled my report I found the company had not updated information in over a year. This information provided by Wells Fargo on my credit report hurt me dearly I was denied a new line of credit related to having high balances. I was in good standing with my payments and needed this info provided for new credit. I contacted the executive office and was given a cut dry response about the creditors option to suppress information and not report but did admit to sending this letter ( attached-can be found under response ). Since my car has been totaled related to theft the bank has still not updated my credit information. The bank reports last payment of XXXX which is incorrect my last payment was XXXX posted XXXX. The company changed the amount of late payments from 17 to 14 missed payment. I have disputed this with all 3 credit bureaus and the company I don't know what to do. There were different amounts for the balance due across all 3 bureaus ( they were updated ) XXXX last payment XXXX balance- {$6500.00} 17 missed, XXXX-last payment XXXX balance- {$6500.00} 14 missed, XXXX- no last payment balance {$6500.00}. Since I have received a letter stating that I owe no balance on the car but my credit report and this letter was dated XXXX. This is hurting me and a direct violation of 15 USC 1666-1666j if missed payments were adjusted then where is my refund or credit why is the info different across the bureaus. This company cashed a check from the insurance agency for more than loan balance amount has not updated my credit info or sent me a refund for the difference this if fraud. I am entitled to Statutory and actual damages from this company.
Consumer complaint received 2024-10-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

In the past month, XXXX store credit cards I have that are with Synchrony Bank are now charging $ XXXX for paper statements and will continue to do so if I do not accept electronic statements. This is an incredibly unfair practice for those who do not have regular access or, in some cases, no access at all to electronic options. I have cancelled all store credit cards that are with Synchrony Bank, but I am especially concerned about the elderly and XXXX who often have no email address and have no idea how to use the internet. This practice by Synchrony preys on the most vulnerable who are the least able to afford any additional dollars. I also wonder about the parts of our country that have no internet access. Are they not also prey? 

Are the no laws in place to protect our most vulnerable citizens?
Consumer complaint received 2022-07-29
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. (NV)

These seven hard inquiries are fraudulent or belong to someone else. I have an online account with Experian and I check my credit often since I have been a victim of identity theft before. After carefully taking a look all my accounts and hard inquiries, I found these seven fraudulent hard inquiries that dont belong to me. Please remove them from my credit report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I requested from Experian that they investigate the collection that was put on my credit report from a collection company. I advised them that I never signed or agreed to pay the collection from the collection agency. I also advised Experian that I sent the collection agency a validation letter and requested that they validate the debt, but the collection agency never sent me the validation letter. Also, the other credit bureaus XXXX and XXXX who had the same information were able to delete the collection from my credit report. I am requesting that Experian remove the collection from the credit report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-28
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 (NC)

I. XX/XX/2021 I was unable to login in to my account and was ask to call the bank and when I did I was told they couldnt tell me why it was locked but that I needed to go by a branch to prove my id. I told them that this was hard to do since Suntrust had closed a number on there branches and that the closest one for me was 45 minutes away. I did make the drive and the teller was able to unlock the account but again I was told they could not tell me why the account was locked. I then went to a BB & T because the Suntrust branch shares and branch manager, again I was told they could not tel me why it was locked. In XX/XX/2021 I was notified by XXXX  that someone had opened an account using my SS number and after some research I found out this had happened on XX/XX/2021. I called Suntrust and again I was told that they couldnt give me any information. I have filed an police report but havent heard anything back yet from Suntrust or from the police. 

I would like some answers but Suntrust will not give them to me.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (CA)

I have a charged off American Express account that I am trying to take care of. 

I have been working with American Express directly and one of there collection agenecies out of XXXX called XXXX XXXX, I believe. 

I have been trying to reach a settlement agreement with them for quite some time since XX/XX/XXXX till today XX/XX/XXXX. 

I have been offered as low as XXXX to settle the account but they will not put the settlement in writing. I have been told numerous times by American Express representatives that I have to agree to an immediate check by phone and then they will send me the terms of the offer. 

I have explained to them I would like to know what Im agreeing to before paying them. I believe this is a violation of the truth and lending act, due to the fact the will not put the offer in writing. 

Further more I was threatened with legal action several times as well, with Im not sure they actually have the intention of doing
Consumer complaint received 2021-06-25
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. (NJ)

Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXXXXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from Experian and XXXX  without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (AZ)

On XX/XX/2021, I received a voicemail from somebody asking for my sons mom and no other information. The call was from a local area code. When I called back an agent answered and I had asked who was calling me asking for [ my son ]. She then asked if I was his mother at which time I asked for a last name and her response was well you tell me. I then asked what company she was calling from at which point she finally told me the name of the collection agency and advise she was trying to collect a debt and that the call may be recorded. She then proceeded to ask me if I was familiar with the creditor identified at which time I had told her I was aware but that I was in discussion with them. She became aggressive and told me about the debt at which time I was trying to politely interrupt to let her know I was disputing the debt, but she berated me and told me I was being very rude and that would not be tolerated. As I attempted to tell her again about the dispute she again reminded me that she was talking and I was being rude and that I needed to listen to her. I let her say what she had to say and then I asked if it was OK if I spoke, at which time she said yes. I told her again that I was disputing the debt because I was in discussion with the creditor and was not aware it went to collection until I got the notice from her company in the mail. She asked why I was disputing and I told her one of the reasons is the amount is not correct ( although thats not the main reason ). She proceeded to ask what the amount is in discussion and then made me a settlement offer. I began to tell her I was not paying anything at which point she interrupted me and I then advised her she was being rude. I continued to tell her because I was disputing the debt at which time she told me if I did not pay the settlement that it would not be offered again and that she would send the debt to the credit bureaus that would negatively affect my credit. I told her legally they can not report to the credit bureau while a debt is in dispute and she repeated herself saying it would be sent to the credit bureau. I reminded her again I was disputing it and she said she would notate it. I then ended the call. This agent/agency committed several violations of the fair debt collection practices act and in my dispute letter to the agency I have outlined this for them. I will also be sending a complaint to the Arizona Attorney General as the original creditor location I worked with to start the contract is based in Arizona and they did not notify me of the collection status
Consumer complaint received 2022-04-06
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. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion 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  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2018-10-27
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 contacted Experian about the false information on my report which was submitted by XXXX XXXX which was a result of identity theft. XXXX and XXXX removed said inaccuracy but Experian refused.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

I opened an account with Citi that was funded by {$20000.00} from a XXXX XXXX  money market account that I own ( on XX/XX/XXXX and XX/XX/XXXX ), {$10000.00} from XXXX ( XX/XX/XXXX ), {$970.00} check from Citi Bank credit card rewards. I had also removed {$6200.00} from the account to have a final balance of {$25000.00}. 

Citi accused me of fraud over the {$10000.00} from XXXX and closed my account. After a prior CFPB complaint they allowed me to " prove '' I own the XXXX account. After I showed them a statement they provided a check of {$10000.00} to me, leaving {$14000.00} in the account. Citi considers the matter " closed '' and although they see a balance of {$14000.00} in my account ( interest was added I believe ) they do not think that it belongs to me. 

The funds they're holding from me were NEVER in dispute. They only cared about the {$10000.00}, and I proved I owned it. So now they are penalizing me by withholding the rest of what they owe me. This is ridiculous, they can see they money came from an account with my name on it. I want all of my money back and want to sever my relationship with this terrible company. 

Attached is a statement from XXXX XXXX showing that I own the account and sent in 2 transfers of {$10000.00} each to fund the Citi Savings account.
Consumer complaint received 2022-08-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX Late Date XXXX
Consumer complaint received 2024-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/year>, I opened an Ally checking account under a promotion where I would earn {$200.00} after receiving a total of {$1500.00} in qualifying direct deposits by XX/XX/year> ( refer to the attacheXXXX XXXX XXXX XXXX ). I completed the requirements, but never received the bonus of {$200.00}. 

My Ally account received my first direct deposit from my employer on XX/XX/year>XXXX  for {$1100.00} and my second direct deposit on XX/XX/year>XXXX  for {$410.00} ( refer to the attached XXXX and XXXX ). The total amount of my direct deposits is {$1500.00}, which is more than the amount required by the promotion. 

The was an issue with my first direct deposit where delays in the processing led to my checking account nearly being closed on XX/XX/year>. However, I was able to call in immediately and reverse the pending closure. The Ally Bank representative I contacted assured me that my account was still in good standing and that I would still be eligible for the bonus. 

The Ally representative also informed me that a note was made on my account about this situation including the fact that I should receive the bonus. A few hours after this incident, I also received another email from Ally on XX/XX/year>XXXX  reiterating my eligibility for the {$200.00} bonus ( refer to the attached XXXX ). Based on all of the above, it was my understanding that I was still eligible for the bonus, so I continued using Ally and had my employer send the second direct deposit shortly afterwards. 

However, several months passed and I still had not received the {$200.00} bonus. When I contacted Ally again, they told me my bonus was denied on the grounds that my account did not remain in good standing based on the XX/XX/year>. However, this completely contradicts my prior correspondence with Ally and the assurances that I was still eligible. I am deeply disappointed with this experience and hope that Ally can rectify this.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. TXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.