davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (AZ)

I sent in a Notice to inform them of unauthorized inquires on my credit report. I do not recognize or do business with the inquiries. As a solution to my problem and suffering I demanded settlement and removal off my credit report. The response times for those letters
Consumer complaint received 2023-01-06
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. (TX)

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have XXXX days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name 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 XXXXXXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX Someone went to Bank of America and withdrew funds from my checking account with fraudulent checks for {$22000.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX {$8500.00} XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XX/XX/XXXX Check # XXXX Pay to XXXX XXXX XXXX XXXX {$2500.00} to XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  was paid on XX/XX/XXXX {$9200.00} ( XXXX XXXX ) XXXX  ID # XXXX The person who did this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lives in XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police report # XXXX XXXX, IL I want all these people prosecuted.
Consumer complaint received 2023-08-24
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. (NC)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-05-18
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. (CA)

I have some fraudulents accounts in my credit profile that i been disputing and i had sent the three credit agencies XXXX, XXXX and transunion a FTC report like Early XXXX as my ftc report showed, and some disputing letter on XXXX XXXX been victim of identity theft and i have 4 negative items on my report on XXXX, XXXX and Tu that i do not know where they Come from.i need them to be delete.their investigation took more than 30 days and they violate my right by keeping those in my report. 
I hope you can be the voice of People like me Who get abuse by some agencies out here. 
Thank you.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal Credit Union has reported a status of 120 days late on all credit bureaus. As I had investigated the payment history a little further, I found that the company has no information on the matter of late payment history data under my name or accounts history. I have attempted to correct this matter with the credit bureaus only to be told a reinvestigation would take place, wait 30 days, then a response of nothing because they think my dispute is frivolous. Have received written correspondence via email showing a pays as agreed box checked which means zero or no late payment history should be present on the account, as a status or otherwise. I need this information immediately corrected across all reporting companies and bureaus.
Consumer complaint received 2024-11-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (DC)

i received a letter describing an action taken by the bank involving my federal pension in connection with a bank product named 'cash reserve ', in which they initially bloacked my attempts to make payments on the account and then later garnished the full amount from account through no fault of my own and did not notify me of the problem but i did notice several attaempt so manipulate the account when the electronic deposit was made. the bank blockedmy attempts in person to allow me to make the required payment but instead sent me false and misleading information and continues to intervene in my account resulting in excessive and false statements concerning timely payments
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself onXX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patenaude & Felix A Professional Corporation (PA)

THIS COMPANY HAS BEEN ILLEGALLY REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS CAUSING HARM TO MY CREDIT SCORE. I'VE MADE MORE {$850.00} OF PAYMENTS SINCE XX/XX/2020 WHEN WE CAME TO AN AGREEMENT. ATTACHED ARE ALL PAYMENTS AND SAID AGREEMENT. I'VE CONTACTED THIS COMPANY THROUGH EMAILING ON THEIR WEBSITE & CALLING WITH NO RESPONSE.
Consumer complaint received 2020-07-07
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. (AR)

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX received a letter stating my application was submitted for a credit card I then called the bank Comenity and spoke to the fraud division who said my Social Security number was used to open an account.They told me the would take care of the problem. I then called back on XXXX and asked if I could get a copy of the online application which was filled out and was told I would have to request it from the Clerk of Records. 
XXXX I sent a letter to the Clerk of Records explaining I would like to see the application since this is considered internet fraud. 
I did not get any response to this request so I called XXXX and was told they could not accommodate the request that I had to get a subpoena. 
I feel if my rights were infringed upon and according to a F.B.I. law XXXX covering identity theft I feel I have the right to see where that application came from. I told the bank this was the second time in five years their bank was used.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

XXXX is Reporting a debt from a collection agency named Southwest Credit Systems. I have disputed the claim once and it was reinstated. This collection is a cable/cell phone bill of {$100.00} with a collection amount of {$220.00}. I have called the collection agency and spoke with them for over 1.5hrs and the discovered after many attempts they could not verify any active account with all my personal information provided. I spoke with a XXXX XXXX an account rep @ XXXX she told me there is not active account. I asked for a letter or email of proof and she stated no letter or email statement could be provided because there was no active claim account. I have disputed twice with XXXX and they refuse to remove the negative claim that is not mine. I used XXXX XXXX which is XXXX XXXX have been a customer for 15+ years ask for them to run my info for any unpaid or collection and there is nothing active or delinquent on their end. XXXX This is my last option according to XXXX for resolution. Looking at there credit report I may have fallen victim to identity thief or lumped into a similar name situation as there is an address on my credit report that I don't recognize and a city I have never lived in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-11-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NY)

BSI, you are now in violation of my consumer rights, BSI has failed to update my mortgage payment in a prompt manner. You are in direct violation of the Consumer Financial Protection Bureau. BSI continues to call me and harass me about a late payment for XXXX when in fact BSI has taken my payment in the amount of {$6200.00} on XX/XX/2022. BSI has received paperwork and proof of payment via e-mail and phone on On Wednesday, XX/XX/2022 at XXXXXXXX XXXX  EST and error is still has not been corrected. Today I have received notice of a late payment charge for XXXX payment which is not correct. I demand that you correct my account immediately. A full complaint has been made to the Consumer Financial Protection Bureau explaining these facts and your companys failure to follow federal guidelines. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX Please make sure I am going to stop receiving calls for payments already collected. 
Please appropriate the funds to my Account Number : XXXX immediately and immediately update your website and records.
Consumer complaint received 2020-07-07
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. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. 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, gave me XXXX letters of release stating the debt wasn't mine XXXXn and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last XXXX years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, IL XXXX My name is XXXX XXXX. 
My phone number is XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : 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 2023-03-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California (OH)

I took this loan just before starting XXXX XXXX  at XXXX XXXX XXXX which began on the XXXX of XXXX. By XX/XX/XXXX I realized this was not for me and dropped out. I knew I would owe some money so I contacted the school to find out how much. They contacted me back and let me know I owed XXXX. I contacted the lender to work something out and we did. I received a payoff letter for the amount of XXXX on XX/XX/2023 that needed to be paid by XX/XX/XXXX. The next day ( XX/XX/XXXX ) a new account was opened. I was alerted through an email. I immediately called TFC ( the lender ) and was told that XXXX renegotiated the loan for more money XXXX. Is this ethical or even legal?
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC (FL)

He does identify himself. However, he uses misleading language by saying the person is XXXX  and needs to be contacted immediately. Leaving a message to my family members is a harassing call of a scare.

On my phone, he is using the language of, I brought something and I need to contact them immediately for verification.

Again this is misleading language and it is against the law.

I have the voicemails for both
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

Please see attached scanned forms that will outline the full situation. 


Background : On XX/XX/XXXX ( XX/XX/XXXX ), airline tickets relating to XXXX Trip were purchased on XXXX amount totaling in {$720.00}, these included 2 adult tickets and 2 child tickets ( XXXX XXXX to XXXX XXXX ). In addition, on XX/XX/XXXX ( XX/XX/XXXX ) there was 4 additional airline tickets purchased in the amount of {$590.00} each or {$2300.00} total XXXX XXXX XXXX to XXXX airport ). The total loss that my credit card company ( TD XXXX XXXX  ) denied equaled in the amount of {$3100.00} ( XXXX ). Now, due to the war outbreak between XXXX & XXXX, it was in the best interest of my family to get these tickets refunded as we know XXXX is located in XXXX which is also where XXXX and XXXX are located, it was an unsafe environment to place my family there and would be foolish to do so. Upon contacting the original company ( XXXX ), and even my credit card company with additional efforts since, were unsuccessful, even though " flexible '' option on the airline tickets were purchased. Each attempt at contact has been given run arounds with no resolution in sight. 

The TD Bank case numbers that were opened for Fraud/Return of money include : XXXX XXXX I am looking for a fair and swift resolution to refund the amount of {$3100.00} because this would be the just option for an American citizen, looking to receive only the amount I have been unsuccessful in returning to my account from both the vendor ( XXXX  ) as well as my credit card company ( TD VISA ).
Consumer complaint received 2023-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2020 I completed a balance transfer to my Bank of America credit card. I selected this card out of 6 options due to the terms and the fact that my personal checking account is with Bank of America. On my recent statement, I noticed that the balance transfer is being charged interest. My understanding going into the transfer was that my rate would be 0 % for 12 months before going to 12.99 %. I was told by Bank of America that the promotion did not exist at the time I selected it. They asked for proof, and nothing that Bank of America sent me via email had any details on the agreed upon terms, so its my word against theirs. Its unfathomable to me that this is the situation Im in. Should they not have some burden of proof to evidence that I agreed to this rate? If they had included it in the email confirmation Id understand and move on, but theyve provided zero proof and told me too bad.