davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-26
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)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
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)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Consumer complaint received 2022-06-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

We applied for Mortgage Assistance after our forebearance plan ended, due to us being able to both go back to work and afford the mortgage again. This was the only option we got from the bank was to file the Mortgage Assistance application and not just add the back to our loan and continue to pay what we could. Our first application was denied. We quickly sent in another application. From this application we were given verbal confirmation, with a confirmation code on XX/XX/2022. We were to start out mortgage payments in XXXX with the loan modification we had the confirmation number too. We made a payment in XX/XX/2022, a few days later we received a letter telling us our application was denied on XX/XX/2022. We called them right away and they let us know they put us into foreclosure, seeing as they denied our application. We asked the bank to appeal the decision and filed a XXXX complaint on XX/XX/XXXX and XX/XX/XXXX. The complaint and appeal were filed XX/XX/XXXX. We have since, started a new Application for Assistance on XX/XX/2022 and have yet to hear back from them if they need anymore information, but this is the third time we have filed for assistance with no reasoning as to why we are being denied, until we are already denied. We have been calling USBANK at least twice a week for the last 4 months, minus the month of XXXX ( since we had the confirmation of our loan medication ). XX/XX/2022 we received our complaint back, saying that they sent out a letter asking for additional information on XX/XX/XXXX, which we have stated on every phone call we had not received that document and no one called us asking for more information. We have had XXXX people at USBANK say they would send us that letter for the last month and we still have yet to receive that letter. That letter from XX/XX/XXXX was also supposed to be enclosed in the complaint packet, which it was not. We have applied and called and no one seems to want to work with us, we can afford to pay our mortgage again and are working effortlessly to make that happen with no help from USBANK on their end.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I have an old credit card account listed on Experian as " XXXX XXXX XXXX XXXX XXXX listed as " Open '' which is incorrect. The account was closed three to four months ago and I let Experian know that it is being incorrectly reported as open when in fact it has been closed for a long time. This account was never reported as late or anything like that. 

Experian verified within 24 hours that the account is indeed open, despite me sending a copy of a letter from the creditor, dated three months back, that the account is closed. I am not sure why they think the creditor letter 's lack credibility. I am not sure if they bothered to even read the letter I provided them from the creditor. It clearly states the account was closed. It was at my direct request. 

I submitted a second dispute with much of this information contained herein and called Experian dispute department to ask a few questions to see if I can get this resolved correctly this time. 

The Experian representative claims Experian contacted the original creditor who verified the account was open. I do not believe this is truthful. He then stated I filed the wrong kind dispute the first time. The dispute was under category " account closed '' He said the second dispute was the right category. It's the same category both times. I question whether he even looked at the first dispute. 

He became argumentative very quickly after I pointed out it's essentially the exact same dispute a second time. It took several requests to have him let me speak with a supervisor. After holding for a while, the representative stated he can not wait more than five minutes and so I need to wait for a call back to speak with a supervisor. 

Given they can not be bothered with reading a letter in PDF format from the original credit, I doubt it even matters IF a supervisor even calls back. 

Experian is blatantly violating the FCRA by not investigating a dispute that has obvious merit.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX acknowledged account was opened fraudulently, I disputed this debt collector a year ago and it was removed from my profile only to be traded with false dates. Debt was started XX/XX/2022 supposedly but only added back to my profile once theyd realize I was searching for a car. The debt is closed on my XXXX and XXXX XXXX but open on experian I have not supplied proof under the doctrine of estoppel by silence. Engelhardlt vs Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in therefore exists
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I called Experian credit bureau after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing negative account on my credit report all this time. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} XXXX states balance is {$0.00} equifax states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Consumer complaint received 2022-06-26
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. (CA)

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
transunion states balance is {$540.00} XXXX  states balance is {$0.00} XXXX states balance is {$540.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/2017 XXXX states XX/XX/2017
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

ON XX/XX/2019 MY HUSBAND CALLED THE POLICE AND MADE A FALSE REPORT SAYING THAT I HIT HIM WITH MY CAR. THE OFFICERS CAME OUT SPOKE TO WITNESSES & DETERMINED HE WAS LYING, THEY TOLD ME TO GO AHEAD & LEAVE. SINCE WE SHARES A AUTO POLICY WITH XXXX HE A CLAIM UNDER MY PIP. HE GAVE THEM A HOSPITAL WORKUP BUT FAILED TO SAY THAT HE HAD XXXX A FEW MONTHS PRIOR. XXXX FAILED TO CONTACT ME ABOUT THE INCIDENT, THEY ISSUED 100 % AT FAULT WHICH HAS AFFECTED MY COMMERCIAL INSURANCE THROUGH XXXX! I ASKED IF IT COULD BE REMOVED BEING THAT THEY DIDNT CONDUCT A INVESTIGATION NOR DID THEY REACH OUT TO THE POLICE. THEY TOLD ME NO I HAD TO JUST DEAL WITH IT BECAUSE THEY PAID IT OUT! AFTER I SUPPLIED THEM WITH DOCUMENTS THEY STILL REFUSED. I THEN REACHED OUT & SUBMITTED 2 DISPUTES WITH LEXIS NEXIS & SUPPLIED THEM WITH THE SAME INFORMATION ONLY FOR THEM TO REACH OUT TO XXXX INSTEAD OF DOING A FULL INVESTIGATION! BOTH AGENCIES HAVE VIOLATED MY RIGHTS TO THE FULLEST.

: 15 U.S.C 1681 S-602A STATES I HAVE A RIGHT TO PRIVACY : 15 U.S.C 1681 S-604A STATES THAT REPORTING AGENCIES CAN'T FURNISH INFO WITHOUT MY WRITTEN CONSENT : 15 U.S.C 1681o CIVIL LIABILITY FOR NEGLIGENT NON COMPLIANCE
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Act, XXXXXXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX Bank account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-12-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (CA)

I was XXXX  from XXXX to XXXX by criminals in XXXX XXXX XXXXXXXX and i could not enjoy XXXX vacation and lost two way fare and this was exploited later by XXXX XXXX XX/XX/XXXX harassing me at airport in XXXX preventing me retiring or reemployed and returning to life in XXXX. I had a XXXX XXXX  going on from XXXX but the first XXXX could be finshed only XX/XX/XXXX. I should have been employed in XXXX. I was harassed and another two way ticket to XXXX from XXXX wasted. an XXXX or XXXX helped me buy ticket using ATT Universal XXXX XXXX XXXX XXXX XXXX Valid from XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX when i was XXXX XXXX XXXX XXXX with strangers of not my class. My Mother is dead still i have no income. I demand reversal of the payment for the ticket of XXXX and compensatory damages. I lost XXXX dollars doing XXXX XXXX with XXXX  in XXXX and i suspect them partner to this. I had a passport in which i tore a pasted XXXX, i demand order all passport control for me removed. My mother is XXXX  and i have a XXXX wife and i do not have any income from XXXX XXXX  or website worldwide exploitation by thieves in partnership with criminals like the XXXX XXXX and XXXX XXXX who forced me to sign XXXX. I am XXXXXXXX XXXX XXXX and i request all statements of the att XXXX card especially of the return ticket i was forced to pay to XXXX and in XXXX XXXX the criminals suffered me and took a bribe of XXXX dollars. They have XXXX my mother and stealing all wealth i can enjoy and i am in XXXX shuttling between XXXX and XXXX with a XXXX XXXX XXXX  Please send all statements of the above credit card to me and reverse all payments to XXXX  and stay in XXXX and all payments from the date i was unnecessarily XXXX
Consumer complaint received 2022-06-26
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. (SC)

In accordance with the Fair Credit Act, XXXX XXXX XXXXXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX D/B/A TransUnion LLC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all shall be fined {$100000.00} ( PER VIOLATION ) under Federal Law Gramm-Leach-Bliley Act for noncompliance. All party ( s ) mentioned above shall be fined and imprisoned for XXXX  years for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX. 

I, XXXX XXXX, HEREBY cancel any consent of XXXX XXXX XXXX of furnishing my nonpublic personal information as dated XX/XX/2022 and I am demanding all party ( s ) mentioned above to remove the account XXXX from my Consumer Report immediately and if all person ( s ) mentioned fails to comply for any reason will be prosecuted and fined for Identity Theft, and {$100000.00} ( Per violation ). I do not give any lawful consent to all persons mentioned above to furnish and transfer my nonpublic personal information y all party ( s ) be fined without further ado with prejudice!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

Please note this is not a duplicate complaint. I want to add some more facts that I recently discovered after getting the response from Penfed where they advised me to contact the NJ Unclaimed Property Administration department. I have contacted that department numerous times and adding those facts. 

Here is what they stated/advised in their response and the facts that totally contradict that. 

First, they state that " The balance in the account at that time was {$5.00} and we initiated a withdrawal as unclaimed property to the state of New Jersey. '' So far even after numerous calls and complaints they have not provided any proof that they did that. This is the link for searching unclaimed funds on NJ state 's website and nothing has sowed up there so far. XXXX XXXX XXXX The phone number for the Unclaimed Property Administration department is XXXX and I have called them multiple times and they have assured me that nothing was transferred from Penfed to them. My last call with them was about an hour and the lady assured me that there is nothing from Penfed and the only way they can investigate firther is if Penfed provides some proof that they actually transferred something to satate of NJ. 

Second, they state that " Our representative assisted you in reviewing the New Jersey website which indicated they did not display property under {$10.00}, and advised you to call the state of New Jersey directly for further assistance ''. This is a flat out lie as there is no such thing on this website that says that funds under {$10.00} are not displayed. I have called this department at XXXX numerous times and they have assured me that there is no such limitation. So seems like Penfed is adding to the lies to cover for the lies that they have already told.

Thirdly, they state that " You initially established membership with PenFed in XXXX  and maintained a regular share account with a small balance and a credit card. '' I did not even want to open a bank account. Penfed forced me to open an account to get the credit card. I have never had any activity in that account and it stayed open for years. I logged into the website every few months so they are lying when they state that they had no contact with me. They had all my current and correct details including my phone number, email address and mailing address but made no attempt to contact me before stealing my funds. They even lied to me on the phone when they said that a letter was sent to me about my account closure. At least they are now finally admitting that they lied about that.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

on XX/XX/2022 I deposited a check in the amount of {$22000.00} dollars to Regions Bank. I was sent 2 emails that same date stating '' we are delaying the availability of {$5300.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. ". I received a second email that day stating " We are delaying the availability of {$16000.00} from this deposit. This hold will expire on XX/XX/2022, making the funds available to you the next business day. 
The funds of {$5300.00}. was not made available to me on XX/XX/2022. I went to the bank and spoke with one of the financial advisors and she said all funds were being held until after XX/XX/2022. I explained that is not what the email said and I did not receive another email stating ALL funds were to be held. She read the emails and could not comment on why the funds were not available to me as stated in the first email. She said she would speak with the branch manager and MAYBE someone would contact me. NO ONE CONTACTED ME AND THE {$5300.00} dollars are still not available to me