davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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.
Consumer complaint received 2023-05-21
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. (GA)

I recently pulled my credit report and found numerous errors. I am a living human. I have rights under 15 USC 1681 XXXX, XXXX, Experian is governed by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed. 
according to 15 USC 1681 I have a right to privacy, and I did not give Experian, XXXX, and XXXX written permission to furnish these. 
accounts. These are the accounts that's reporting in accurately. XXXX XXXX XXXX account XXXX XXXXXXXX {$1700.00}, XXXX XXXX XXXX account XXXX XXXXXXXX {$1600.00}, XXXX XXXX Bank account XXXX XXXX $ XXXXPlease remove these hard inquiries, I did not authorize for any of these companies to run my credit, I did not sign any documents giving any one permission to do so. XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.. Also, these hard inquiries I did not give authorization for these companies to run my credit. This is a violation of 15 USC 1681 I did not give the credit bureaus written permission to run my credit. XXXX  of XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (GA)

My father and I have essentially the same name and therein lies the initial problem. He's technically " XXXX '' and I am the " XXXX ''. My father opened a Belk credit card two months before I was born ( the account was opened in XX/XX/XXXX and I was born in XX/XX/XXXX ). At some point in time, some of my info ended up on the account my father opened -- possibly when Synchrony started managing Belk cards, but I can't be sure. I did not realize my info was intertwined in my father 's credit card until my father passed away in XX/XX/XXXX. As my father passed away, he stopped making payments on this credit card. As best I can tell from the XXXX reports, he had an outstanding balance on the card of {$1200.00} when he passed away. As the late notices and fees piled up after his passing, I started to get notices from XXXX about my credit score dropping. I filed an investigation request with XXXX and explained the situation to them. After 3 investigations, XXXX continued to say the bank ( Synchrony ) claimed the card was mine. At that point, I began communicating with Synchrony. Several times now I have supplied Synchrony with all the information they have requested -- copies of my driver 's licenses, my SSN, my father 's SSN, my father 's death certificate. I emailed ( XX/XX/XXXX, XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX ) this info to them, and even faxed it one time ( XX/XX/XXXX ) based on their request. I have spoken to numerous XXXX representatives on the phone with promises this will be taken care of. Unfortunately, every time I open my Synchrony dashboard online ( I have at least 5 other Synchrony accounts that I pay off each month ) I still see this credit card info with late fees amassing. Every time I see this card info on my dashboard, it's a reminder of my father 's passing that I don't need. I loved my Pop and this is like a punch to the gut. 

This really isn't rocket surgery. The account was opened 2 months before I was born. All the charges on the card and payments to the card have occurred in North Carolina. I have lived in Georgia since XXXX. Somehow my SSN got placed on my father 's credit card info over the years and now my credit score continues to take a beating after his passing. I let Synchrony know I was going to file this complaint and they continue to drag this situation out.
Consumer complaint received 2021-11-15
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: REGIONS FINANCIAL CORPORATION (FL)

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

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-09-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (PA)

In 2020 I did a voluntary surrender of my truck due to the covid pandemic and not being able to afford it. Ally Financial sold the truck and passed the remaining balance to a debt collector XXXX XXXX XXXX. Ive had my bank send them checks every month for {$100.00} since we were made aware of the remaining balance that was owed. I have never missed a payment in the few years Ive had this collection. I noticed that this XXXX my payment wasnt collected, but XXXX had been. My husband had contacted XXXX which his was then informed that Ally took back the payments. He spoke with three different people within two companys and no one could tell him any information about our account, balance, anything. He asked for a letter that had their letterhead with an address, phone number, account number, balance and dated. The customer service person told him no that he could set up our payments with them. Which my husband said no I want a letter with all of the information I asked for. We want the extra proof from our bank that checks are sent and cashed. The customer service person refused. This was on XX/XX/XXXX. We have still yet to receive any kind of noticed of who actually has the debt on our truck.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC. (AL)

XXXX XXXX XXXX representative, XXXX XXXX, is contacting me about a debt that I've asked him to validate because I have no knowledge of it. He says he's calling on behalf of Cashnet USA. I asked for a copy of the application which he refuses to send. He's contacting my dad 's ex wife and even if this debt is validated I never authorized anyone to contact anyone other than myself or authorized them to search for contact information for people that might be related to me. I never gave anyone my dad 's ex wife 's number because I don't event know her number. I spoke to XXXX twice and asked for them to validate the debt and all he says is that they're going to report the account to all XXXX credit bureaus and that I have by Monday to make arrangements with him. The call today, XX/XX/2022 was recorded. I have call records where he calls repeatedly and within 3 mins of calls.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I entered into a hardship payment plan with XXXXXXXX in XX/XX/XXXXXXXX agreeing to pay {$98.00} per month, I was told this would satisfy the account which at that time was past due less than 3 months related to covid and a job loss. The payments were auto debited from my checking account and I have never missed a payment. However, XXXX is now saying I owed more than {$98.00} per month and that is why it was " late ''. I was never informed when the hardship agreement was made of additional money due, in fact I was told, the agreement brings the account current, to begin the hardship plan, for the {$98.00} per month. It makes zero sense to enter into a {$98.00} per month payment plan, if it essentially leaves your account still behind. It was hard enough losing my job and having to call for a payment plan, the woman told me the {$98.00} was all I needed to pay per month for the plan. I was never told there would be any " additional '' amounts due, so once the auto debit was set up I assumed the account had been satisfied. However, my credit report now reflects I paid late every month I paid the auto debited {$98.00} agreed upon payment plan. This is because there apparently was additional money XXXX  wanted outside of the hardship plan, or the plan was not processed correctly, I am not sure what the issue is on their end, but I know I was NEVER told anything else was due, when the agree was initiated and in the agreement document. In the beginning in XXXX of XXXX XXXX " charged off '' the account, all while I continued to pay {$98.00} per month as agreed upon. I have also never received any communications from them about the " charge off '' or who now holds the debt, although my checking account is still debited every month for {$98.00}. 

I filed a dispute through Experian explaining all of this with documentation and nothing changed, XXXX has put " Charge Off '' on my credit report for the last 8 months in a row, even though I have paid every month as agreed upon beginning in XX/XX/XXXX.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I don't know where to begin it doesn't take a lot of perspicacity or ratiocination to realize this bank needs to be sanctioned and whoever is in management should be sitting in jail. Apparently they feel they can take advantage of protected classes and get away with it. 

1. I had two transfers XXXX for XXXX and another for XXXX that just disappeared. No one hear or saw anything I however have a copy in the bank I transferred the funds to that in fact they were in the bank and then illegally taken out but in the form of another deposit. 

2. They made my account negative balance and it is not true. They have charged me a ton of insufficient funds fees to probably to make me look bad and this has decreased my credit score by XXXX points! 

3. Now I log into the account and I see all these charges that I disputed they are back on the statement, the account is gone, so I call and I get a lady that is very friendly and I am on hold for a long period of time as I write this complaint.
Consumer complaint received 2022-04-01
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. (IN)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: REGIONS FINANCIAL CORPORATION (SC)

I applied for a credit card for Regions Bank. I have a credit score above XXXX. I have never defaulted on a card and never had a late payment. I own my home with no mortgage and I am not a financial or credit risk. I have outstanding. I am unclear why my credit limit is so low at {$1700.00}. I feel as though it is arbitrary based on my protected class because my credit history is impeccable.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I tried to open a bank account with HSBC a few months ago ( XX/XX/2022 ). Due to the fact that I missed a few calls where HSBC asked for additional documents, HSBC decided to close my account and to deactivate my online banking. At this point I had already transferred USD XXXX to the account. 

HSBC communicated the closure to me a few weeks after the account opening ( end of XXXX ). Since this time ( 3-4 months ago ) I am trying to get my money back. I have not received any communication from HSBC that would talk about how to get my money back or that HSBC is working on it. I received a check for USD XXXX mid XXXX ( it wasnt communicated what this was for but I assume this was interest ). 

Since XXXX, I have contacted the HSBC customer service team many times, last time about 4-5 weeks ago. The only communication I received from them is that they cant help me as another team is responsible. This team would not take any customer calls.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation (MN)

Albert ( banking services provided by XXXX Bank XXXX ran the below promotion in XX/XX/2022 and still running. See attached screenshot Albert is offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ 200+ every 30 days for 90 consecutive days Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 

I was referred by XXXX. Opened an account using his referral link on 1/5 and satisfied all the requirements for XXXX, XXXX and XXXX. Now Albert is refusing the {$150.00} bonus saying they are not seeing it. 
I followed all the requirements correctly. If it's a problem on your end, fix it. 


Request Albert ( XXXX Bank ) issue me the {$150.00} for me opening the account and satisfying the requirements
Consumer complaint received 2022-03-28
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. (AR)

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-09-19
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, and U.S. Bankruptcy Court XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

I deposited {$50000.00} in a saving account on XX/XX/XXXX. It took XXXX business days before I could access this money. Then I find out they put extremely low transaction limitations on my account. 
Mobile Deposits : Daily {$750.00} and Weekly {$1500.00} Sending Money : Daily {$1000.00} and 30 day {$3000.00} These low limits don't work for me so I decided to cancel the account. When I cancelled the account, an interest deposit for {$100.00} was placed in my account and them immediately removed. I also received a paper statement showing interest earned this period of {$100.00}. 
I've contact US Bank on XX/XX/XXXX regarding the interest and they were unable to explain why it doesn't show. I called US Bank on XX/XX/XXXX same result and was told this would be escalated to their Customer Car Unit. I was suppose to receive a communication within 24 hours. Two days later on XX/XX/XXXX I contact US Bank again. Same result, unable to help and suggested I see if anything happens. Communicated that isn't acceptable and said I would be contacting banking regulators to file a complaint.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

On XX/XX/2023 at XXXX I was attempting to send money to XXXX XXXX XXXX XXXX XXXX handle $ XXXX however I had not noticed the system prefilled $ XXXX by the time I saw that the transaction was in process. I immediately attempted to contact customer support via the chat but was unable to get anyone then I called the customer service number. Only to be told that all I could do was reach out to whom ever I had sent the money to and ask for a refund. However I do not know who this is that it was sent to. I communicated that to the representative and the only thing he said was that he provided all the information he can provide to me then and hung up.
Consumer complaint received 2022-09-18
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. (OH)

There are fraudulent inquiries on my credit report. Please remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (FL)

Under the XXXX XXXX Onemain is required to report my account as being current. In XX/XX/2021 I made an arrangement with the Branch XXXX in XXXX, NC to move the payment to the end of the loan and under the cares act I am requesting Onemain to remove the late payment from all three credit bureaus.
Consumer complaint received 2022-09-18
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.