davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against TransUnion for its failure to provide access to my online credit profile, credit reports, and scores, as well as the ability to manage my credit profile. This has significantly impacted my ability to address fraudulent accounts and inaccuracies on my credit report.

I am specifically disputing a fraudulent account that appears on my credit report : - **Account Name : ** XXXX XXXX XXXX XXXX ( Also known as XXXX XXXX XXXX, XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened due to identity theft. Despite this, TransUnion has failed to permanently remove the account from my credit report. After initially being removed, the account has reappeared, which further violates my rights under federal and state laws.

TransUnions actions are in clear violation of several federal and California state laws, including but not limited to : - **Fair Credit Reporting Act ( FCRA ) : ** Under the FCRA, I have the right to dispute inaccurate information and have it corrected or removed from my credit report. TransUnions failure to permanently remove this fraudulent account, and allowing it to reappear, violates this law.

- **California Consumer Privacy Act ( CCPA ) : ** The CCPA grants me the right to have personal information deleted and ensures that it is not reintroduced without my consent. TransUnion 's reappearance of this account is a violation of these protections.

- **Consumer Rights Under the FCRA : ** TransUnion 's failure to provide online access to manage my credit profile, reports, and scores further violates my consumer rights under the FCRA . The inability to manage disputes online has obstructed my efforts to address fraudulent information.

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate TransUnion 's practices and ensure compliance with all applicable federal and state laws. I demand the immediate and permanent removal of the fraudulent XXXX XXXX XXXX XXXX account from my credit report, along with a written confirmation that this account has been blocked from reappearing in the future.

TransUnions disregard for federal and state regulations has caused significant harm and stress. I expect prompt corrective action to resolve these ongoing violations of my consumer rights.
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

FIRST ISSUE : BANK OF AMERICA EDD CARD I want to file a complaint about Bank of America EDD Card Services. 
EDD money was stole fraudulently from my account on XXXX. 
I received a letter a few weeks ago, saying that BofA did find fraud in the amount of {$800.00} Claim # XXXX. 

Today is XXXX and I called to see when I'm getting my money back. The people at BofA are extremely rude, and even though I HAVE A CLAIM NUMBER, they said they needed to RE-OPEN the case!!! Why was it ever closed, if they didn't give my money back yet!!!??? I want my money and additional for our pain and suffering. We can't even afford to pay rent in California on Unemployment!!! 

SECOND ISSUE : We DIDN'T get the stimulus money either!!! Just because we haven't filed 2019 taxes?! 

This is Ludicrous! We have lived in California our whole lives at XXXX yrs old and XXXX yrs old and this is how California treats the people that have worked hard, paid taxes, etc. We have not received anything other than the first check of {$1200.00}. Thats all we got!! I am learning that California really doesn't care about the people that live here. 

Do you realize there is NO HELP for renters who used to be " middle class '' citizens? Where is the help for people? 
The business owners are receiving NON-PAYBACK LOANS! 
But, the workers whose spouses are on EDD can not pay their bills and they are ADDING UP! 

My husband and I used to bring in total of {$7000.00} or so per month. 
That amount is less than half of that now! 

I DID NOT CHOOSE THE MANDATES! I DID NOT VOTE FOR THEM! 
OUR OWN GOVERNMENT CAUSED THIS, AND THEY NEED TO FIX IT! 

We NEED a NON PAYBACK loan just like these businesses are getting. 
To get a business loan it takes 10 minutes. I want the same process.

The workers and people on EDD are the ones who are suffering as well.

Where is help me and people like me? We can not afford the bills that are piling up.

We shouldn't have to jump through hoops to get help for this. We are going to end up homeless because of this. YES, I have contacted XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX info. and HUD. I am told there is NO FUNDS to help me. I am told over and over, " Sorry, you make too much money ''. Seriously!?? 

I can't even afford XXXX at {$1000.00} per month. Don't even have health insurance at XXXX and XXXX yrs old. 

Rent is now 1 month passed due, so we owe {$4000.00} for XXXX and XXXX. 
XXXX XXXX XXXX is over {$2000.00} Water is over {$800.00} Car Payment is passed due {$1200.00} ( Approx ) Credit Card Payments are stacking up! 

We NEED the stolen money back and we need immediate financial help to pay our debts that are now piling up to an amount that we can not pay. 

The Renters NEED HELP! When can we expect it? 
Why is money still being sent and spent elsewhere, when our own LEGAL citizens are not being helped!?
Consumer complaint received 2022-10-12
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: JPMORGAN CHASE & CO. (OH)

in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the rights to privacy 15 usc 1681 section 604 A section 2 it also states a comsumer reporting agency can not furnish my account without my written instructions. Under 15 usc 1666 B a creditor may not treat a payment on a credit card account under and open consumer credit plan as late.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (PA)

I have called JPM Chase 3 times in the past 3 months looking to update our car loan with them. My deceased wife was the owner of the loan and each time I've called Chase they have put me in touch with a problem resolution team who say they will mail me a letter and this has never occurred. I want to in good faith continue paying the loan and also retitle the loan to myself, yet they have been of zero assistance.
Consumer complaint received 2020-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.
Consumer complaint received 2022-09-22
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. (MI)

in accordance with the Fair Credit Reporting act.The account below has violated my federally protected rights to privacyXXXX XXXX  # XXXX, Has violated my rights .15 U.S.C Section 602 A, States i have the right to privacy.15 U.S.C 1681 section 604 A.section 2 : it also statesa consumer reporting agency can not furnish a account without my written instructions XXXX15 U.S.C 1681 ( a ) ( 5 ) Section States : no cusumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of informtion, other than the records of convictions of crimes which antedates the report more than XXXX XXXX15 U.S, C 1681s-2 ( A ) ( 1 ) A personshall not furnish any information relating to a cusumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (NY)

My old gym, XXXX XXXX XXXX XXXX, did not cancel my membership due to an accounting error on their side in XX/XX/2019, following a XXXX XXXX  due to their negligence. 

I have since been in touch with the gym to fix the issue, but since the gym had preemptively sent out a debtor claim with First Credit Services, FCS, I have had several debtors call me. It's clear they shared my information somehow because I've never owed a dime and now I'm getting phone calls from several different kinds of companies chasing me for these gym funds. 

The gym has confirmed they told FCS to stop contacting me, but now things have gotten worse. I have to block phone numbers multiple times a day.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

I completed a ATM transaction at the TD bank in XXXX XXXX XXXX XXXX XXXX of XXXX dollars and the ATM malfunctioned after the funds had been collected by the ATM but my account has not been accredited for this transaction and my recurring weekly payments cant be paid because of this issue.
Consumer complaint received 2024-09-04
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. (FL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD debit card that was issued by the Bank Of America was closed without notice with a credit balance of {$9000.00} which was authorized through bi weekly payments to the card for my continuing unemployment claim. This occurred on XX/XX/2020. I have completed an upload with the EDD with Identity documents early in XXXX and have received communication from the EDD that my account is open and without issues, and that the Bank of America needs to reopen my card. I keep being redirected to contact Bank Of America to resolve this issue with my card being closed. The EDD is now issuing my payments by paper check because of this problem with Bank of America. Every day I call the Bank of America customer service and am given a different answer about not being able to access my money on my debit card. I have been told by Bank of America agents on several contacts that this has happened to thousands of people and that I just have to wait until they get to my account.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX continues to allow XXXX XXXX XXXX to report incorrect information to my consumer file. This entire balance on this account was paid off on the XX/XX/2020. Recently XXXX had a collection agency attempt to collect payment from me. The collection agency, XXXX XXXX has now closed the file in their office and returned it to XXXX Because the account was paid off. XXXX XXXX did the right thing. XXXX has an obligation to ensure that only accurate information is being reported. XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. Recently in doing some research on the student loans in my name that are being serviced by XXXX XXXX XXXX. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX University in my name. I never agreed to this. I am requesting XXXX University XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that XXXX  XXXX XXXX has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX University. Therefore XXXX  XXXX XXXX must substantiate seeking loans associated with XXXX from me.
Consumer complaint received 2023-05-22
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. (VA)

Equifax is reporting false information about me. Someone started my XXXX credit card then made fraudulent charges of only {$17.00}. 

I sent Equifax an ID theft affidavit and a police report but Equifax is still reporting false, fraudulent information above me in violation of the FCRA.
Consumer complaint received 2021-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TRANSUNION AND XXXX Violation of Privacy and inaccurate and unfair reporting. 
THERE ARE TWO COLLECTION ACCOUNT ON MY CREDIT REPORT FOR ATT. THE COLLECTIONS AGENCY ARE REPORTING THE SAME ACCOUNT AND THEY BOTH HAVE INACCURATE INFORMATION.
Consumer complaint received 2022-09-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (VA)

I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. The truck 's engine light came on XX/XX/XXXX. I asked Ally Financial to take the truck. It's a lemon. 
They said they will come for the truck sale the XX/XX/XXXX. Upon they receiving the truck, they will market the truck, any money remaining from XXXX dollars. 
I would have to pay maybe {$25000.00}. I don't feel that I should pay anything. The truck is a lemon. I am XXXX XXXX XXXX. This was fraud Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-07
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get XXXX and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2022-09-22
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: TD BANK US HOLDING COMPANY (PA)

Called on XX/XX/XXXX to report fraudulent transactions from XX/XX/2022 on credit card. 

Multiple charges for airline tickets, rent, XXXX XXXX totaling around {$4500.00}. Was told the charges would be removed and an investigator would contact me via email or letter. 

I have received no communication since that call. The charges are still there and accruing interest on my card which TD Bank is charging me late fees for.
Consumer complaint received 2021-01-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Technology Federal Credit Union (ID)

First Tech federal credit union Manager II : XXXX XXXX email : XXXX T : XXXX F : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Idaho XXXX XXXX XXXX On Monday XX/XX/XXXX I visited the local office and spoke with XXXX XXXX and XXXX XXXX about the fact that I had applied for PPP loans and ANY other program I am eligible for during the first run in XXXX of XXXX. 
At that time I never received any follow-up about eligibility that month or the month of XXXX. This, even with 3 subsequent visits and repeat questions on the progress of my request to the tellers during that time. Upon pressing the issue in XXXX I was told the program had 'ended ' and they " ran out of funds ''. This, with no notice and no correction available. I left with a standing and clear request to correct this when the next plan becomes available. 
I visited again on XX/XX/XXXX to get an update. Speaking with XXXX XXXX, I explained that I had not received a follow-up call yet and I wanted to get started before this new PPP program starts. Due to the missed opportunities of last year I also requested a follow-up call from XXXX if corporate was unable to respond. 
XXXX assured me that I would get a follow-up call and that she would call If I did not. 
I did not get a call from anyone. 
On Monday the XXXX I Called corporate directly, spoke briefly with a man named XXXX, where I was subsequently " Phone Flushed '' ( hung up on ) during a transfer to " someone in that department ''. 
Upon visiting XXXX XXXX again at the local branch that same day and insisting that I need a callback, I did get a call from a lady at corporate. In this call she used 2 excuses why I am not eligible for assistance : 1. I did not have a business account before XXXX of XXXX. 
REPLY : I have been a member of this bank since XXXX and have had an active business account since XXXX. The lady from corporate acknowledged this. 
I informed her that I have had membership before the bank transitioned from XXXX XXXX XXXX to XXXX XXXX and then to First Tech. Most of my accounts are grand fathered from past formats. I have been a member longer than most employees have been working at this branch. 
2. My account was not the correct type of business account.

REPLY : refer to above.

Many times I have had pointed out that First Tech touts the number of businesses they helped with PPP loans. 
XXXX XXXX IS eligible. My account has been active. I have good decades long standing loan activity with this bank. I have direct deposit accounts to 2 contract employees I brought to this bank and had start accounts of there own.
Consumer complaint received 2022-09-22
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 

XXXX XXXX XXXX XXXX XXXX  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 2022-09-27
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: EQUIFAX, INC. (NJ)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the late payment accounts. No changes were made. Below are the inaccurate items from my credit report : Late Payment XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX & XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX