davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION AND XXXX ARE IN VIOLATION WITH 15 U.S.CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZTION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATE COMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THERE IN 18 U.S. CODE 245 INVALID ACCOUNTS AND DAMAGING INQUIRIES THAT SERVE NO PURPOSE OTHER THAN DAMAGE CREDIBILTY. SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX,. XXXX AND XXXX XXXX ARE REPORTING LATE. I DECLARE ALL INACCURATE ACCOUNTS ON THE CONSUMER REPORT ARE TO BE CORRECTED PRESENTING NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AS PER 15 U.S.CODE 1666b and 15 U.S. CODE and 15 U.S.CODE 1602 INCLUSIVE OF ANY ALL INQUIRIES ON THE CONSUMER REPORT BEING IN DIRECT VIOLATION OF 15 U.S. CODE 1681b FOR NO INQUIRY REMAINING IS BENEFIT OF THE CONSUMER AND REMOVAL OF SUCH IS PRIVATE BENEFICIAL INTEREST OF THE CONSUMER. I DECLARE AND VERIFY UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE UNITED STATES OF AMERICA THAT THE FOREGOING IS TRUE AND CORRECT.
Consumer complaint received 2022-02-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX {$11000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV INC. (NJ)

I am writing this email to file a formal complaint. On XX/XX/XXXX, I went to an ATM to withdraw {$400.00} out of my account like I did days prior. I discovered that I didn't have enough money. When I checked my app I discovered that a total of {$6100.00} was transferred to XXXX XXXX to his personal account. I do not know anyone by the name of XXXX XXXX. As soon as I got home, I called to file a complaint. A dispute claim was started on XX/XX/XXXX and I was sent a new card. I was also told that I will be sent documents to fill out and that I was to return the forms within XXXX business days. I received the documents XX/XX/XXXX, I filled them out and sent them back by certified mail on XX/XX/XXXX. Documents were also sent via fax just in case somehow they got lost in transit. According to the documents, investigations could last between 60 to 90 days. On the same day XX/XX/XXXX, I got home from the post office from sending the forms and I discovered a letter from the dispute team stating that the dispute claim was denied on XX/XX/XXXX. How can a dispute claim be denied within XXXX hours when I never even got the paperwork to be filled at that time. The forms are probably still sitting at the post office and the faxed forms are probably sitting in their fax machine. I called the number on the letter and it kept hanging up on me saying that the card number was incorrect. I called the number on the back of the card and was nicely greeted by a customer service representative, XXXX, who stated that according to the notes it was denied because " the money was sent to the person it was intended to, XXXX XXXX ''. My name is XXXX XXXX XXXX. My name and XXXX XXXX are not even similar names. If that money was intended for XXXX XXXX where is the money I'm entitled to due to my XXXX leave. I just XXXX XXXX and my child and I are depending on that money. How insecure or secure is this bank? Why would they allow anyone to log into someone else 's account and steal the money? How can they determine and close a case without further investigation or even questioning who XXXX XXXX is? Was his bank contacted? There are many questions that need to be answered. I need my money back. This situation is added stress that I do not need after giving birth. This stress is being transferred to my child and I can't even focused on taking care of her. Contact me at XXXX.
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

On XXXX XXXX, 2016 Ally Financial sent me XXXX different letters pertaining to my disputes rewarding inquiries that I observed on my XXXX Report. I wrote Ally Financial a letter on XXXX XXXX, 2016 advising that I did n't recall giving Ally financial authorization to do a hard inquire on my credit report. Ally Financial has placed the burden on me to contact the original institution to verify that the inquire were authorized which is a violation of the FCRA ( 1681 ( a ) ( 4 ). Ally Financial is not acting in good faith because my individual dispute with XXXX regarding the inquire XXXX XXXX XXXX by Ally Financial, XXXX deleted the inquire from my credit report because they were unable to provide me any documentation that gave them or Ally Financial to conduct a hard inquire on my credit report.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I have sent multiple letters to this credit reporting agency to remove/delete accounts and inquiries in their systems that they did not get my written, oral or verbal consent to report this is information. They are in complete violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Congress also makes it clear that the banking system is dependent upon my consumer report being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ). Which is not because they are reporting things that is not accurate to me at all. In fact, in 15 USC 1681 ( a ) ( 3 ) they were not given this role. They assumed this vital role and because of their assumption they have negatively affected my life and those around me causing me severe hardship, XXXX XXXX, and XXXX because of you assuming this role. Pursuant to 15 USC 1681 ( a ) ( 4 ) they are unfair in reporting this erroneous information without first consulting with me the actual consumer!!!!

This documentation was sent this credit reporting agency on XX/XX/2022 with a delivery date via certified mail & received on XX/XX/2022. 
certified mail tracking # XXXX
Consumer complaint received 2022-02-02
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. (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests to TRANSUNION, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( LATE/CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oracle Financial Group LLC. (GA)

This XXXX XXXX lady calls EVERYDAY from a new # claiming that I have a fraud case against me and that there are criminal charges pending ... These people are a complete joke ... When you google the number of any legit business an actual website comes up. Meanwhile when you google these numbers all these comments come up ... 

These people are absolutely ridiculous. When you can send me something in writing maybe just maybe I will call you back. I know my rights and threatening people for a supposed debt is absolutely and completely illegal. But NICE TRY THOUGH ... Guess ill be blocking this number too! 

Below are the list of other # 's she calls XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.

Also, THIS COMPANY IS IN VIOLATION OF 15 USC 1681N IN THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-. 

XXXX XXXX XXXX XXXX ACCT # XXXX .... Balance : {$0.00} COLLECTION XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX .... Balance : {$1000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/2022, I started receiving emails thanking my for joining TD bank with numerous accounts, CD account, checking and savings accounts. I had never in my life tried to open an account with TD Bank. I had never heard of this bank in my entire life. I immediately called the bank 's customer service number and was shunted to the fraud department. I was asked for my SSN which I did not give out as this seemed very fishy to me. On the XXXX I drove to the nearest branch of TD bank in the adjoining state. I provided my social security card, passport and driver 's license. I was treated harshly and was told my SSN was not involved in said accounts and I was to told to not worry about this fraud. I was told that this is a normal clerical error. 
Today, XX/XX/XXXX, checks from this account were mailed to my prior address, and I assume an ATM card is to follow. I find it very strange that my XXXX name XXXX prior address XXXX email address associated with this account could be the result of a clerical error. I again called the Fraud Department at TD BANK and was assured that there was nothing wrong with this scenario. I need help to end this nightmare of inefficiency perpetrated by TD Bank. This is obviously a case of fraud but they are not the ones to face the problems this will create. Please help me in this matter as I have no one else to turn to. 
Thank you, III
Consumer complaint received 2022-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I was involved in the XXXX  bank scam it has been on the news. I have XXXX though Wells Fargo. On Friday XX/XX/XXXX I received a phone call from the online fraud department. The phone number the person was calling from was a legitimate number from Wells Fargo. Because when I called the number back the next day I was talking to the real Wells Fargo. So they called me on the phone claiming to be the online wells Fargo fraud department saying " did I attempt to XXXX ( send money ) to someone in the amount of XXXX dollars '' I then said " NO ''. Then they said " Ok let me help you '' Lets send the money back to yourself before it gets to the other recipient. First we are going to add yourself as a recipient by using your phone number. so I did that. Then he said lets send the money back to yourself now. So that's what I did. But the money did not go back to myself it was GONE it went to somebody else that I do not even know. They went into my online banking session and hacked it.t They linked my phone number to someone elses account. Just like that the money was gone. I have been making numerous claims to wells fargo and reached the higher escalations department hours and hours on the phone and I just keep getting denied. Its just horrible I just want my money back.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I did a balance transfer from a credit card of mine that had a lower interest rate, to pay off a balance on another card that had a much higher interest rate. The payment address, account number, and my name was used to send a check for the entire balance of {$8200.00} to pay off my high interest credit card. My payment due date was XX/XX/XXXX and the check was received on the XXXX, but stayed in a pending process and did not post to my account by the due date. I made the required payment on the XXXX so I would not have a late fee. I called them the evening of the XXXX around XXXX and spoke with XXXX. She put me on hold to look into the pending payment. She came back and asked me if the check was mailed in the envelope they provide with the statement and I said no. I also asked how is that relevant? The check clearly made it to the correct address and was pending in the correct account. I was told that it was on a 5 day business hold because it was a non confirming payment. I questioned that term. I also asked where it mentions they can hold a check for 5 business days. It is nowhere on my statement. I also read to her from my statement that a payment can be mailed to the address on the front of this statement with the payment coupon or your account information. This was done and it does not mention anything about a specific envelope. I was told the check would post by midnight on the XXXX and it would be dated effective the XXXX. I said it was a full payment to pay off my balance by the due date and I should not see any interest. I was assured I would it process for the XXXX. I was never notified of a hold. This is something that is required with bank deposits but not credit card payments? I was forced to make a payment on my own in order to keep my account current because of a held check.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-02-02
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. (WI)

I continue to see unverified and erroneous accounts listed on my credit profile. I have repeatedly asked for an investigation into this accounts as well as verification of these accounts and have yet to get a response or receive written, signed documentation that these alleged accounts are mine. I do not recall opening the accounts and they continue to be reported on my credit profile.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

I received an offer on an American Express card which indicated the following : Get a one-time {$65.00} statement credit by using your enrolled eligible Card to spend a minimum of {$250.00} in one or more purchases online at XXXX XXXX XXXX and in-store at XXXX XXXX XXXX XXXX, Just XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021. See terms. 

Upon visiting the website indicated I clicked the " Auto Services '' link in which provides an option to find a service center. Upon entering a zip code, I'm presented with recommended locations, which I visited one of the recommended locations on XX/XX/2021 and spend the required {$250.00}. Unfortunately, American Express indicated that the purchase was not eligible as it was not a XXXX XXXX. The only exclusion listed in the terms was XXXX XXXX XXXX XXXX which the location I visited was not. XXXX XXXX XXXX have a different website and services commercial/fleet vehicles as shown in this link XXXX XXXX XXXX. 

As I consumer, I felt I did my due diligence to visit the required website to find an an XXXX XXXX center. I'm not sure how as consumer would have been able to know that XXXX would recommend an auto service center that was not an actual XXXX service center. If there were other exclusion aside from commercial centers, it should be indicated in the terms and it should be clear enough that consumers can make a clear distinction on how to identify a participating location when visiting the website listed in the offer.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have a debt on my credit report with XXXX XXXX, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX XXXX last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.
Consumer complaint received 2024-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (SC)

My mortgage was purchased from another mortgage company by round point mortgage servicing in XX/XX/year>. In XXXX they reviewed the escrow and determined that my taxes were only {$85.00} a year which meant that I had too much money in escrow. For some reason, I have two separate tax bills, and they only saw the smaller one. They sent me a check for {$800.00} and lowered my payment by roughly {$180.00} a month. After about a month, I realized that they had missed one of my tax bills which happened to be for over {$2000.00}. For XXXX months, I paid the lower amount which were for the month of XXXX and XXXX. And in XXXX the payment will reflect the {$800.00} plus the {$200.00} that I was short for XXXX months plus the increased in escrow due to higher Insurance and taxes which raises my bill to quite a lot. I talked to them several times and were told that they would correct the Monthly amount for the month of XXXX but they did not. I called to speak speak to someone in the escrow department and they said that was impossible, but I could file a complaint Which the person help me do over the phone.. Also, either that day or the next day I filed a complaint with the XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Several days later someone from XXXX customer service did call me, but not based on my complaint to them, but my complaint to the Better Business Bureau. I asked him if he could please figure out what my escrow and mortgage payment would be if they had not messed up. After about a week, I called again and he said he was unable to do that for some reason. Instead, after my complaint was filed with the XXXX XXXX XXXX XXXX XXXX  said that I had XXXX days to hear from XXXX and when I didnt hear from them on the fifth day, I called and their answer to satisfy me was telling me to take my taxes out of my mortgage payment or try to apply for a senior discount on taxes, which I do not qualify for. I feel like I should be compensated for all my time and effort And ruining my budget. I am a senior XXXX XXXX XXXX. Also, no one from the company ever apologized and all of it was just done through the mail until I filed a complaint with the XXXX XXXX XXXX. The strange thing is this happened with a previous property that I owned. The mortgage was bought by someone and they missed the current tax bill and lowered my payment although that time I did not catch it and I ended up paying thousands of dollars on closing To make up for the missing funds.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name ( XXXX XXXX XXXX XXXX ) , are to be blocked and cease to be reporting on my consumer file