davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-07
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. ()

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. There were also some inquiries that are not mine as well XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2023-11-29
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-11-29
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. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of utmost urgency and concern related to my account. It has come to my notice that there are fraudulent items associated with my account, which require immediate attention and resolution. 

Despite my previous attempts to address this issue through your designated channels, the fraudulent items persist on my account. This situation is causing me significant distress, and I am deeply troubled by the potential impact on my financial well-being. 

I kindly request the following actions be taken urgently : Please promptly remove all fraudulent items and transactions associated with my account. 

Conduct a comprehensive investigation into the origin and nature of the fraudulent activities to prevent any recurrence. 

Keep me informed about the progress of the investigation and the steps being taken to resolve this matter. 

Implement additional security measures on my account to prevent any future unauthorized access or activities. 

I understand the importance of maintaining the integrity and security of your services and believe that swift and decisive action is crucial in this situation. I trust that your company values the well-being and satisfaction of its customers and will take immediate steps to rectify this matter. 

Please acknowledge the receipt of this complaint at your earliest convenience. I anticipate a prompt resolution to this issue to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (GA)

I applied for a loan with Explore Credit, was asked to send in bank statements and did so. The next thing I know, I get a text message saying the loan would be funded. I text messaged them back and asked them about esigning an agreement, no response. 
I called then and asked if there was any agreement to sign, the guy was acting as if I already esigned but didnt exactly say those words and directed me to go online to the portal. I did that next and upon doing so was greeted with a paragraph talking about credit protection from a third party in the event the loan was to default, after reading that, I exited out of the site without signing anything, being presented with TILA disclosures, etc. I assumed since I am familiar with internet loans that I would not be funded anything if I didnt sign anything and felt safe and frankly didnt think about it anymore. 
I resolved my financial situation through a bank loan instead but to my surprise upon receiving my bank statement, Explore Credit made a deposit of {$800.00}!!!! 
I started researching the company and saw reviews that were terrifying, people paying off their loan and still being debited, being debited even if they never received a loan, the company refusing to accept the principle balance and rescind the loan that they likely never signed for anyhow. I saw that others said they do not honor revoke ach authorizations. 
I reached out and told them I am going to mail the {$800.00} back and they have no right to debit my account. I emailed them too. They emailed me back a contract that I have never seen before! I would never agree to pay $ XXXX for a {$800.00} loan. What they are doing is illegal and not honoring XXXX regulations when it comes to a formal revoke seems like a seriously bad business practice and one that I have never heard of a company not honoring until now. I guess since they never for an authorization via a signed contract to begin with, the last thing they care to do is honor your request to not go into your bank account since they already did to make the deposit and now to hold you to an exorberant loan without your permission or authorization. 
I am scared this company has my information, that they have forged an agreement on my behalf and are now insisting they will debit my account, even if I have formally revoked! Per other reviews they create checks, use your debit card, anything from the application. I have not authorized this loan. I do not authorize this company to store or use my banking information.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are several inaccurate information on my consumer report regarding the following account number XXXX. The first major inaccuracy is that the account numbers do NOT match up. Both XXXX and Transunion are showing the above account number however, XXXX has been changing the account number on a monthly basis. This month the account number is XXXX and previously it was XXXX when the true account number is XXXX. This is a huge violation of the Fair Credit Reporting Act. The second inaccurate information about this account is the late payment that were reported when I was never late. Pursuant to the exclusion section of the Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, Late payments ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. This is an experience of mine that can not be reported as it violates this section of the act. Additionally pursuant to 15 U.S. Code 1666b a credit may NOT treat any payment on an open end consumer credit plan as late.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is in regards to a late payment reported XX/XX/XXXX on my auto loan. I spoke with a Bank of America representative on XX/XX/XXXX to set up autopay on my account, the agent confirmed that autopay had been set up. However, I found that my payment for XXXX was never made, and that my account went into late payment status, and that this was reported to credit reporting agencies. 

I reached out to another Bank of America representative on XX/XX/XXXX to rectify this matter and received a case # XXXX. Additionally, I sent a message directly to Bank of America through their secure message service. 

I received both a letter and a message from Bank of America stating simply that " their reporting was accurate ''. They neglected to address the fault of their agent in contributing to this situation. 

I replied to Bank of America through their secure messaging system on XX/XX/XXXX, but I have not received a reply.
Consumer complaint received 2019-01-11
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (GA)

Mr.Cooper has felled to report XXXX, XX/XX/XXXX MORTGAGE payments to all 3 credit bureau's.they have lied since XX/XX/XXXX since I've contacted them.they keep lying on the bankruptcy court order.reaffirmation was finally completed in XX/XX/XXXX, XXXX.cased closed in XX/XX/XXXX, XXXX.MORTGAGE payment for XX/XX/XXXX paid in full in XXXX XXXX.still CURRENT as of now.Mr.Cooper is blocking me from refinancing my MORTGAGE.Mr.Cooper is holding my mortgage in hostage.I have rights to refinance my mortgage.they are lyers and try to keep my mortgage with Mr.Cooper.this agency needs to get INVOLVED ASAP so I can refinance and get away from these crooks.they were supposed to sign the reaffirmation in XXXX of XXXX, XXXX and played with my attorney 's as if they never received my reaffirmation document's.they had them all along.they need to be SUED as soon as the government. Shut down is lifted!!!!
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

Opened up a checking, savings, and money market account with Ally Bank in early XXXX. In approximately a month I transferred {$120000.00} into all three accounts via ACH. I have had numerous deposits go into the above accounts and several leave the same accounts ( typical banking ). I also added another phone # and an alternative mailing address so the debit cards they were sending would not sit in a mailbox detached from our home for an extended period of time. I reached out to both notify and ask Ally about these changes and was told there was no problem. I also verified my identity with them on several occasions, per their policy. 

I received emails on XX/XX/year> that all three accounts were " locked '' and pending a fraud/identity theft investigation. I spoke to the fraud department and was asked extremely invasive and unacceptable questions bordering on inappropriate. I was then told that there was no timetable for my accounts to be returned to normal or " unlocked '' and that I had to just wait. 

This is unacceptable. The amount in question is significant and needs to be accessed immediately. To " lock '' up these funds without any explanation is beyond acceptable. I do not want to go down this road, but I will gladly contact my attorney 's and get them involved. 

I appreciate any help you can provide and hopefully something can be done. 

Thank you.
Consumer complaint received 2023-11-29
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. (GA)

On XX/XX/XXXX I mailed notices to all CRAs to cease reporting transactions and experiences with several accounts listed on my credit report. They all claimed to investigate the matter. XXXX has yet to respond that they are investigating the matter which has been over 30 days as required by law that they have 30 days to respond they failed to do so. XXXX has updated my report with the results of removal of my XXXX XXXX accounts as they should. The other bureaus transunion and XXXX are still reporting an account which they should be in compliance with XXXX. XXXX XXXX, XXXX and XXXX needs to follow suit with ceasing my transactions which is a violation of FCRA and privacy.
Consumer complaint received 2019-05-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My tax preparer wrongly direct my IRS refund into my closed business account : Bank of America XXXX XXXX XXXX. When we finally located the funds that the IRS had sent to this account, it was not rejected and returned to the IRS but deposited. After talking to many representatives since XX/XX/XXXX, I could not get a straight answer. I spoke with a representative to give the new account address to send the refund of {$4500.00}. I was told to wait up to 15 days. I waited and nothing came. I called into Bank of America again only to be told a check had gone out to the old address and a ticket would have to be submitted to cancel the check. I was not told when I would be issued another check. On XX/XX/XXXX, I received a letter telling me to call the Global Account Closure department for assistance with my cashier check. When I called, no one knew how to access my account. I then call the XXXX XXXX XXXX and spent 2 hours on the phone trying to get help. They finally found my money and said a cashier check would be issued. I received the cashier check made out to my business name and had to open another business account with XXXX XXXX   in order to cash it. This was on XX/XX/19. I received notice from XXXX that on XX/XX/19 the cashier was returned. I have been on hold with customer service numbers for hours unable to find anyone to help me locate and receive my refund of XXXX. I have been devestated by this. Unable to pay bills. I am under extreme distress. Bank of America is holding my refund and I don't know what else to do. 

They have had my IRS refund since XX/XX/XXXX in a closed account.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC (NY)

Gemini exchange decided to close my account. No reason was given, but the terms of the account allows them to do so. While I have done absolutely nothing unethical, just some investing and trading in crypto currencies for my personal account I agreed to close my account. Gemini won't transfer my money. 

There has been a case open at Gemini with Ticket ID : XXXX. Two separate service agents have tried to unfreeze my account for the purpose of transfering the contents of my wallet. They have not succeeded. 

Today Gemini completely blocked my account while these two agents ( XXXX and XXXX ) were trying to help. I am quite upset about this. Please help me just get my wallet out. 

FYI the account is under my work email XXXX but the activity is strictly personal under my own social security # There is XXXX XXXX XXXX XXXX in the wallet valued at XXXX worth approximately {$2100.00} in the account. I would like either my money in US dollars or the ability to transfer the coins to my XXXX wallet. thanks for your help
Consumer complaint received 2023-11-29
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. (TX)

My information was marketed and sold to unknown individuals or entities during XXXX data breach. I was in confinement in XXXX from XXXX XXXX to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that XXXX acknowledges that I was a victim of their data breach. I have disputed items several times and XXXX has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that XXXX has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NC)

In XXXX, I started the application process for the Teacher Loan Forgiveness with Great Lakes.  From that time on, they sat on the paperwork and did not tell me of any issues timely or process.  Then, they said it was just all illegible.  Then, I resent the paperwork and they said there was a section that was completed incorrectly even though it was completed as requested.  Although I applied just for Teacher Loan Forgiveness and repeatedly notified Great Lakes that I did not want to go into forbearance as I just wanted to continue to pay my loans at the same amount under the same payment structure I agreed to at the time of graduation in the exit counseling and just have the Teacher Forgiveness portion of $XXXX applied toward principal when received, they continued to put my loan on three occasions into loan Forgiveness although both in writing and over the phone to several supervisors including XXXX, I specifically told I did not want this to happen and explained as above what I did what to happen as far as application to principal when received and continuing same payments schedule.  After numerous calls, many recorded, complaints filed with the company in writing and written email message correspondence over the past 7 months, the forgiveness was finally applied in XXXX.  However, they lowered my payment schedule and changed the payment date which was not what was requested.  On XXXX, XXXX   I sent another email and complaint to the company and then they did something to my account where instead of an approximately $XXXX   balance, it is showing $XXXX balance and $XXXX past due although I have never been past due on an account EVER!  I can attach a copy if you need it.  Upon seeing this last night, I called and spoke to XXXX, a supervisor, who just continued to tell me that my account had been flagged for a routine account review and this whole situation had nothing to do with that review and that his system was not showing me delinquent although it was all over their website that I was and needed to make a payment IMMEDIATELY!
Consumer complaint received 2023-11-29
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (TX)

When I reinvestigated my credit report, I see that same information was erroneous. The 3 credit bureaus are required to validate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance Owed : {$56000.00} XXXX  XXXX Balance Owed : {$56000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00}