davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$850.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$68.00} ; 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 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (OH)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America responded to my complaint about XXXX ' charges to my credit card with incorrect information. The charges for licensing to FINRA, SIPA, and all of the fees are paid annually on XX/XX/XXXX. for the next year, XXXX. Never for the current year, XXXX. The statement said the charges were for XXXX, when they were for XXXX. My resignation from XXXX was XXXX XXXX. The documents provided from FINRA showed no payment received from XXXX on my behalf. I also provided a copy of the check payable to XXXX for the documentation to FINRA that canceled my affiliation with XXXX  effective XXXX XXXX. XXXX  ' form for XXXX XXXX XXXX XXXX has an authorization block for credit card authorization, that block was not marked giving authorization. XXXX  ' form for licensing has an authorization block for credit card authorization, that block was not marked. There was NO AUTHORIZATION FOR BOTH CHARGES XXXX  IS CHARGING ME FOR. The general purpose authorization form the company uses for credit card authorization has every possible charge for authorization on it. My signature on it RESTRICTED the use to the monthly affiliation fee only as instructed by the company. The E-MAIL sent with the form to the company also restricted the use of my credit card to the monthly fee only. The company did receive the monthly charge for the month of XX/XX/XXXX and there has never been charges to my credit card for any other services ever in the past. Bank of America never ACKNOWLEDGED THE RESTRICTIONS OF ANY OF THOSE FORMS. No Authorization on XXXX XXXX XXXX XXXX   form, No Authorization on the Licensing form and a restriction on the general purpose form needs to be explained by Bank of America where they received my authorization for services I never received. The statement by XXXX and Bank of America that the charges were for the year XXXX are clearly FRAUDULENT. The XXXX forms authorize the company to withhold Commissions for payment and they have. I am still waiting for money owed by them. Explain to me the XXXX of {$4500.00}
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-07-06
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. (GA)

I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (SC)

I received a promotional offer to get {$400.00} after opening a checking account with SunTrust. On XX/XX/2020 I opened a checking account online using their promo code to receive the {$400.00}. I need to direct deposit money to this account, but am unable to continue because I CAN NOT GET THROUGH TO ANYBODY AT THE BANK. I've called numerous times and waited on hold FOREVER and can not get anybody on the phone. Today I finally got through to SOMEBODY IN THE XXXX. XXXX. I've never had a bank transfer me overseas to take my banking details. I need the bank to personally call me to document the details of this offer as I plan on closing the account after the funds are credited to my checking. So far, it would appear this bank is a complete scam and can not even handle incoming phone calls.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2020-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XXXX XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

TD BANK REFUSE TO OFFER THE PROMOTIONAL OFFER. 
I opened a checking account in TD Bank InXX/XX/XXXX. And they have a welcome bonus at that time. If the customer make the {$2500.00} direct deposit, the customer will receive {$300.00} bonus from them. After I had done that, I called at least three their representatives to ask my eligibility And when I can receive the bonus. Their representatives told me I was qualified and the only thing I need to do is wait. However, I had waited for 5 months And haven't received my bonus yet. Therefore, I called to their representative again, but this time they said I was not eligible for this offer. How could this be! When I opened this account, the banker said I was qualified and I also called at least three representatives in XX/XX/XXXX. Both of them said I was eligible. They are totally cheating the customer.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATEMENT IS STATE AS FOLLOWS " Special Messages The following Special Messages may be provided to an authorized party when it makes an inquiry into your TransUnion credit report. These messages provide important details concerning the information contained in your file and/or the authorized partys inquiry. 

INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/2011 '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. attached is a copy of my credit report and a screen short of the part in question
Consumer complaint received 2020-08-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Consumer complaint received 2020-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

I went in on XX/XX/XXXX to make my mortgage payment through the online payment system for LoanCare , LLC and they blocked out that date not allowing me to make a payment and blocked out the XXXX, and XXXX so I couldn't make a payment and they start charging charging a {$5.00} fee and when trying to call them on Monday to get this fee waived and all number I called sent me to an automated system. I was not able to get a live person on the phone. I don't see how it is legal to start charging a fee when when they go in and block dates keeping you from making your payment. The folks in other departments are not able to hook you up to a live person in the mortgage department. This company needs to be investigated for extortion by blocking dates so you can't make a payment until their fee kicks in. At {$5.00} a person and they have 1000 people that try to make a payment between the XXXX  and XXXX  so they can charge their fee is an extra is an extra {$5000.00} of extortion money. If you have any questions or need anything further please do not hesitate to contact me. Know that I DID NOT take a mortgage out with this company, my mortgage was sold to them so this company is not a company I chose or would have ever chose as I do not feel they are a responsible respectable company. They're crooks at a company that they don't give you a phone number to reach an actual customer service person. Know that I also have a paper trail to prove that I went in on XX/XX/XXXX to make a payment as well as sent them an email to every email address I could find dated XX/XX/XXXX. I went ahead and put a check in the mail today to avoid their {$5.00}
Consumer complaint received 2020-08-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Consumer complaint received 2020-08-27
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: National Credit Systems,Inc. (CO)

I terminated a lease with XXXX XXXXXXXX XXXX prior to its expiration in XXXX of XXXX. From the outset, they have ascertained that I owe them an amount slightly over XXXX XXXX dollars, which constitutes in material part both a liquidated damages amount and a penalty for failure to provide sixty-days notice to vacate. 

Both of these amounts attempt to recover for the property owner in the event of the tenant 's breach, however, seeking to recover both constitutes a " double recovery for single harm '' which is forbidden under Colorado Court Rule. 

Further, a charge of XXXX dollars, when actual damages sustained by my breach are only XXXX and XXXX dollars clearly identifies this contract provision as a penalty, as it has no correlation to actual damages nor does it constitute any accurate speculation at what actual damages may be. Penalties in contracts are federally unenforceable under the Uniform Commerce Code. 

Moreover, as of XX/XX/XXXX, the debts in debate here pass Colorado 's three-year statute of limitations on contractual debts. As such, while there may remain legitimate actual damages, the material portion of the stated debt is no longer enforceable in court outside of my previously stated objections. 

I have attempted on numerous occasions to argue the validity of this debt with both XXXX XXXX XXXX  and their assigned collection agency National Credit Systems. I have exercised the dispute process both internally and with all three major credit monitoring bureaus to no avail. A discussion with senior management at National Credit Systems ended with the suggestion that I seek legal action because they have no intent on validating my claims, and no credit bureau will support me without judgment or court order. 

This debt as reported has always been a violation of FCRA and FDCPA regulations against reporting debts that are not legally supported by the organizing document or enforceable by law. I have always been willing to pay the legitimate portion of my debt and would have been willing to do so without creditor intervention, but XXXX XXXX XXXX has never given me that chance.
Consumer complaint received 2020-08-27
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: Experian Information Solutions Inc. (FL)

I wrote several letters to this company asking them to send me a copy of the documentation they have on file that was used to verify the items they have posted on my credit report. They ignored my request. Instead they sent me back a Piece of paper that has nothing to do with my request. Again I wrote them to inform them of my rights under 609 fcra disclosure to the consumer. They Again ignored my request. All I ask for from this company, is to send me a copy of the physical form that was used to verify the accuracy of the accounts they listed. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2022-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/2020 {$540.00} and XX/XX/2020 {$540.00} showing late payment during pandemic has not been late before or after every since.
Consumer complaint received 2022-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCF Intermediate Holdings LLC (TX)

Speedy cash has continuously popped up when I apply for business line of credit and was redirected to another lender site it was always speedy cash. They call me and ask me if I want a loan and I give them updated information not knowing it was speedy cash. I have disputed error after error with no avail.
Consumer complaint received 2020-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MI)

Paypal permanently put limitations on my account since 2014. They did not explain why they did this action. Said it was transactions that was not right. Told them I had a processor through stripe. Reissued my information to them still denied me. Have not used their services since 2014 still penalize me. Tried to reach out to them in past gave me the run around and still would not tell me why they did this action. I go to an online school that only accept payments through PayPal. They let me pay my cost of tuition and service. Will not let me sign up.for others. If you need information I can provide. Will not even let my children get an account because of the address used. Can you help me out with a solution for this problem?
Consumer complaint received 2022-05-23
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. (LA)

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a Consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX    XXXX {$720.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$680.00}
Consumer complaint received 2020-05-05
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. (TX)

I sent a dispute Starting XX/XX/XXXX to the Bureaus saying that the info was inaccurate and reported wrong, and wanted to them to update to paid as agreed. They just keep saying its verified without saying how or who verified the information.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.