davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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. (OH)

This is the second time I have asked XXXX XXXX  XXXX to provide me with documentation were they sent me my statement or a bill to my correct address, also provide me with a notice 21 days before the due date before they can consider a payment later, I never received any of this. By XXXXXXXX XXXX XXXX is required to provide me with a notice before providing anything on my report that would negatively impact me as a consumer. The law clearly states that " if any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. They did not do any of the things the law clearly states. The law is also clear that transactions and experiences DO NOT BELONGS ON A CONSUMER REPORT. law states ''report containing information solely as to transactions or experiences between the consumer and the person making the report '' Also make sure late fees are accessed properly.
Consumer complaint received 2023-12-01
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. 

Discovered unauthorized transactions on my account statement. 

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. 
Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. 

Received notification of an investigation but no tangible progress in removing the fraudulent items. 

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account. 
Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I tried to open Wells Fargo Everyday checking account following this offer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Get a {$300.00} checking bonus* Open an Everyday Checking account** with a minimum opening deposit of {$25.00} from this offer webpage. Complete the qualifying requirements to receive your {$300.00} bonus. This offer is for new checking customers only. 





But my application was declined for no good reasons. 
I have a credit score of around XXXX and living in USA since 2005. Never faced denial for opening bank account.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to XXXX, TransUnion and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.
Consumer complaint received 2023-12-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft. I was notified on XX/XX/XXXX that my credit report had a derogatory mark. Upon calling the apartment complex ( XXXX XXXX XXXX ) in Texas, I was notified to call the debt collector ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ). Upon calling them, I requested the dates, location, and how they were approved. I was told the dates were XX/XX/XXXX of XXXX through XX/XX/XXXX of XXXX and that it went to collections in XX/XX/XXXX of XXXX. This person was approved for the apartment based off of bank statements through XXXX XXXX XXXXXXXX. However, I do not have a XXXX XXXX XXXXXXXX account. I was then notified that they owe {$5000.00} for not paying the apartment address of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have never lived in Texas, nor have I allowed or co-signed for anyone to live in Texas under my name. They used my social security number, however, they showed invalid bank statements with my name on them to be approved for the apartment. I have filed a police report and have already created a dispute with XXXX. The police report number is : XXXX. I can also provide dates of me living in California from my bank statements, rental agreement from the apartment I was living in, my drivers license, and my passport. I have attached proof of where I was living during these times in california, as well as the police report, and the CDR Correspondence of what the debt collectors are saying I owe.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is frozen without my consent or authorization. When Ive called transunions credit freeze number they transfer me to two separate departments, that can not help me. They also state they can not give me the direct telephone number for the department that they state is the only one that can help me. Ive called four times and have been transferred several times and each time they state they have no record of me calling the first two on  Wednesday XX/XX/XXXX at XXXX and Monday XXXX XXXX at XXXX. The website gives me error codes, as well as the mobile application, preventing me from removing the freeze myself. I am trying to purchase a home and my lender is unable to pull my report because of this freeze, I have picture evidence of the app that states my report is available and then the next day frozen again. This is stopping me from being able to get my loan and it is causing a burden.
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation (MD)

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX XXXX XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

My father, XXXX XXXX, applied for a loan with this institution. He went through a lengthy process for a complaint from a previous issue with the loan. Then, he apparently just went back to them within the last 2 months and applied for a loan. He was granted a {$15000.00} loan for a lawyer while on XXXX only making {$2500.00} a month in income and divorcing my mother. Not sure what he used as collateral, but I'm making {$75000.00} annually and they granted him a large loan and he will be unable to actually pay it soon. 

I'm not in my situation by choice. I didn't create this!
Consumer complaint received 2023-08-22
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: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2023 at XXXX. I received a text from Truist asking if I attempted to make a purchase from " XXXX XXXXf XXXX ''. I called the customer service number and told the representative I did not attempt to purchase anything with that card as I hadn't used it since XXXX and it sits in my drawer. 

The representative then informed me there were other purchases made with this card including an airline ticket for over {$1800.00}. Which I informed them that I definitely did not make nor authorize. I was told everything would be investigated and I could be sure these items would be taken care of since I didn't authorize them. 

I received a letter from Truist a few days later dated XX/XX/2023 stating these charges would be removed from my credit account balance. When I checked a few days later all charges were removed except the airline ticket ( XXXX ). When I called to inquire about this I would told it was still being investigated. 

I went into a local branch on XX/XX/2023 XXXX XXXX, Senior Representative for the branch. I informed her of what was going on and she attempted to assist with the issue. Our first contact was with XXXX XXXX who stated the investigation was conducted and approved. I should see a refund of the {$1800.00}. When asked when she said she didn't know and transferred us to another representative XXXX XXXX XXXX ) who said it was not approved and I would be responsible for the charges. When asked why he said he didn't know. 

XXXX asked that we be transferred to escalte this issue and XXXX XXXXan said it would definitely be escalated and I would hear from someone soon. It has been over a month and a half and I still can not get resolution to this issue. No one has answers and I told them this is effecting my credit score. 

Any assistance that could be given to help with this situation would be greatly appreciated.
Consumer complaint received 2023-12-07
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$21000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX I XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} ; XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

I over payed my credit card it by a significant amount. The balance to be returned is {$1200.00}. Subsequently, I closed the account due to many other concerns with Comenity Bank. Comenity claims they sent the check on XX/XX/23. I do not have the check. On discussion Comenity suggested I research my deposits which show no check for that amount. I requested a copy of the cleared check on three occasions which I have never received. I would like to see the cleared check so that I can verify reimbursement.
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (CA)

The alleged Trustee is threatening us with foreclosure but has still not provided the requested information regarding the note. We sent him the following QWR : XXXX XXXX XXXX Supervising Attorney Aldridge | Pite, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Main Office : ( XXXX ) XXXX Direct Dial : ( XXXX ) XXXX Direct Fax : ( XXXX ) XXXX XXXX www.aldridgepite.com Dear XXXX XXXX : My Family is contacting you directly because you and/or your company XXXX are claiming to be the Trustee of the DOT without providing us any evidence and we are attempting to avoid filing a lawsuit.

As you know we doubt you may or may not have the original note, but that is not what is being disputed. 

XXXX XXXX  paid value for the debt and was never named to the Note, as of XX/XX/2022. 

Out of all of the Notes exhibited into the court records, the Note filed into the BK court had an incomplete stamping which is being called a blank indorsement in which that you are claiming possession of the Note. 

Any one can claim possession of the Note at this point, however, that does not mean that anyone has acquired rights of enforcement. 

In fact, the only statute in which one would acquire rights of enforcement is Cal. Com. Code 3203. 

The Payment Stream ( The Debt ) is owned by the Guaranteed XXXX Pass-Through Certificates XXXX XXXX XXXXXXXX XXXX XXXX, and no one has shown that they have paid the trust the full value to take the debt out of the trust. 
Until that happens, the debt still lies with that trust. 

Someone may show up with the Note, however that does not prove that they have paid the full value for the Note. 

Where is the sale and purchase agreement from XXXX XXXX to whom ever purchased the debt out of the trust? 

There is no evidence. As you are aware the CFPB and FBI is being copied on this email and that is why we are asking your to clear this up now.
Consumer complaint received 2019-09-13
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: ALLY FINANCIAL INC. (KY)

I went with my boyfriend XX/XX/2019 to look at cars at XXXX XXXX in XXXX, Kentucky. I told the employee that I did not want my credit ran multiple times and he assured me that it would only be ran once. I get my yearly credit report and see that he ran my credit 5 times on transunion and once on equifax. I did NOT consent to this and it is incredibly against what I told the man. If I had known he would have ran my credit this many times I would have left and not even gotten that far.
Consumer complaint received 2023-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those XXXX payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Consumer complaint received 2023-08-22
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. (CA)

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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX 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.