davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (GA)

I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate.

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Privacy and Consent, there is no law stating that late payments have to be reported. This has to be a billing error and needs to be corrected, effective immediately. This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Consumer complaint received 2023-06-28
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. (FL)

There are multiple fraudulent items on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent items and they're still reporting on my credit report. 
I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (WA)

I went to XXXX by XXXX XXXX and was severely let down by them. My husband and I to this hotel for our honeymoon. We were let down immediately when there was no jetted tub in the room. The bed was so awful that I'm still on muscle relaxers to recover. The water pressure didn't exist. The breakfast was awful. The only good person was the in the evening the night of check and the night after. XXXX told me that the hotel knows its false advertising but they won't change their listing and that my complains are common. I reached out to hotels.com to get my money back and they said no because the hotel won't refund. I called their cooperate and they said not their problem, I went through my bank and they said they hotel won't give them the money back so they won't give me my lonely back. I'm literally trying everything possible to get my lonely back ( the booking was under my husband XXXX XXXX ) I'm unbelievably upset and in disbelief that I'm having to.fight tooth and nail yo get my money back. The manger even came to my room when I wasn't there to check something out, and I asked them to check the water pressure and things like that. And I was told nothing would be done since it was a saturday and it wouldn't be fixed until Monday ( day after I checked out ). I got little to no sleep with the people letting thier kids run around above us and the people on motorcycles sat in front of our window, on idle, with their music blasting at like XXXX on a saturday! I want my money back from this stay now! We stayed form XX/XX/XXXX to XXXX, 2023. We have been working with credit karma and they said because they couldn't get the money back, they won't give it back. And that shouldn't matter. I provided a ton of proof about how this hotel didn't provide me with that I purchased! I booked through XXXX in about XXXX For between XXXX and XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (GA)

I am contacting you during normal business hours at XXXX on Wednesday XX/XX/XXXX. 

The portal to access my credit card information for the XXXX XXXX  card is unavailable. The account service rep I spoke to on the phone advised this is due to site maintenance. Site maintenance can not happen during normal business hours for the country in which the product is based. This is a violation of UDAAP and is unfair and deceptive.
Consumer complaint received 2023-06-28
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. (FL)

, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2023-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion has been willfully negligent in its non-compliance with the federal trafficking law, Trafficking Victims XXXX XXXX ( XXXX ) by not removing the requested information within XXXX business days. All information necessary according to XXXX was supplied when the request was uploaded via TransUnion 's website and via XXXX certified mail. TransUnion remains in violation of federal law and did not address ALL issues in the CFPB complaint # XXXX. TransUnion HAS RECEIVED, via its website and the e-Oscar system, the non-governmental agency letter certifying that I have been identified as a victim of human trafficking. TransUnion also received via the CFPB complaint # XXXX additional supporting documentation which ALSO CONTAINED ALL OF THE DOCUMENTATION REQUIRED UNDER REGULATION V to take action after receiving information on a victim of human trafficking. TransUnion has and is CAUSED FURTHER VICTIMIZATION TO ME by willfully refusing to act according and under the federal XXXX act and under the rules outlined under REGULATION V. TransUnion has caused and is causing FURTHER VICTIMIZATION TO ME by being deceitful in its responses to my complaints via the CFPB and claiming they have not received the requested documentation from me when that is NOT accurate. 

TransUnion 's inaction and willful negligence and violations of Regulation V and TVPA on numerous occasions proves their willful defiance and contempt of the laws and rules set forth by the US federal government and its regulators. These actions have now given rise for a sufficient claims to be pursued and filed against them in federal court. ALL documents are ONCE AGAIN, for the 3rd time, attached to this complaint and were provided to TransUnion 4 different times previously via its website and via certified mail.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I was in a COVID relief forbearance program and was contacted in XXXX to apply for an extension. The extension was denied due to unknown reasons, and the letter sent did not clarify anything. I was rejected for no reason. I have tried calling the bank at XXXX multiple times, but I keep getting the voicemail because of high call volume. I have done my part trying to contact the bank, and no one has bothered to callback or tell me what needs to be done to work out or extend the COVID relief. The XXXX XXXX XXXX website says that I can not do anything online, and must call. I believe that the bank wants me to go into foreclosure instead of offering assistance that is mandated by FHA.
Consumer complaint received 2023-06-28
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. (GA)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Debt in collection {$2600.00} and I am not responsible for this debt I did not authorize no one to use my personal information to get a credit card. I have XXXX  XXXX  and the credit bureau told me the account is not in my credit report.
Consumer complaint received 2023-06-28
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. (GA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (UT)

I hope this message finds you well. I am writing to express my concern regarding the permanent limitation placed on my PayPal account. I believe this limitation may have been imposed by mistake, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request that you re-investigate my case and consider restoring my account, if possible. I have always been a law-abiding and responsible user of PayPal, and I have utilized the platform for various legitimate transactions without any issues in the past. 

Given the importance of my PayPal account for my online activities, I am deeply concerned about the inconvenience and limitations that this restriction has caused. I would greatly appreciate it if you could expedite the review process and provide a timely resolution to this matter. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that you keep me updated on the progress of the investigation and provide any additional information or documentation you may require from my end to assist in the resolution process. 

Thank you for your attention to this matter. I trust in PayPal 's commitment to fairness and professionalism, and I remain hopeful that you will reconsider the limitation placed on my account based on the information provided.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello team, am trying am begging XXXX XXXX from 4 months till today to report my XXXX auto loan to credit bureaus, I'll submit their emails, they always tell me that XXXX does not report accounts in good standing to any of the credit bureaus, and they tell me let the credit bureau give us a call or send us an email with your signed authorization for us to confirm your credit history to them, I contacted TransUnion they said let XXXX XXXX send us your information, I'll attach also the TransUnion conversations here. 
Am stuck in between, and I need XXXX XXXX  to report my auto loan to the credit bureaus, so that the monthly payments will reflect my credit. 
I need your help please with this issue. 
God bless you
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Remedy for using the right of offset on exempted XXXX and trust funds by Bank of America I am on a XXXX income due to a XXXX XXXX XXXX XXXX XXXX XXXX which placed me in the XXXX XXXX XXXX  and a number of other hospitalizations resulting in my inability to work. This has led to the closure of my company XXXX XXXX XXXX and drastic reduction of my income from XXXX per month to XXXX per month. 
I have informed Bank of America it is possible that I will be able to pay overdue business accounts once my long-term XXXX starts XX/XX/year> The bank exercised the right of offset on XX/XX/year>, and debited {$350.00} when a payment from my deceased parents estate trust hit my account, intended to pay my rent since I was unable to with my XXXX payment. 
Either way the bank can not prove that {$350.00} was not the funding from my XXXX payment of {$460.00} which was also in the account. This is a violation of New York Civil Practice Law & Rules Section 5205, Trust exemption, 1, which states Except as provided in paragraphs four and five of this subdivision, all property while held in trust for a judgment debtor, where the trust has been created by, or the fund so held in trust has proceeded from, a person other than the judgment debtor, is exempt from application to the satisfaction of a money judgment.

Additionally, the banks offset notice violated New York state statutes requiring the offset to be mailed the same business day. The offset occurred on XX/XX/year>, and the notification is dated XX/XX/year>. This is a violation of Banking XXXX XXXX XXXX, XXXX of set off which states No banking institution shall assert, claim or exercise any right of set off against any other deposit account held by such banking institution unless, prior to or on the same business day of such action, notice of the set off together with the reasons for the set off are mailed to the depositor. 
The bank should refund this money and cease the right of offset. I am a long-term Bank of America customer with documented statements of intent to pay off the overdue accounts at earliest availability. The XXXX XXXX XXXX XXXX has been approved and will begin paying at a higher rate than the short term XXXX effective XX/XX/year>.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, with XXXX XXXX XXXX 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
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Approximately XX/XX/XXXX, I attempted to change my payment method with Bank of America to my new bank account. Unlike EVERY OTHER XXXX who connects to my new bank using PLAID, Bank of America informed me that it must first make deposits in my account which I would later confirm. This occurred on XX/XX/XXXX. ( PLAID takes about XXXX minute per account. ) I confirmed the amounts and verified my new bank account. Every current Bank of America currently says to login and click XXXX XXXX on their first page to change my auto pay. Of coursethere is literally nothing on ANY account page that says XXXX XXXX. Instead, I went into Payments, saw my scheduled payment for XXXX, clicked Edit Payment andit would only let me use the OLD bank account. No problem, I will set it up again. I returned to the Payment screen, clicked CANCEL PAYMENT several times and realized it was only canceling payment on a month-to-month basis. No problem, I went to Manage Payment Methods, DELETED the old account, checked that this deleted all scheduled payments, and tried to set up a new paymentbut where? 

Eventually, I found that there was a VERY SMALL link that says XXXX. I set this up for my next due date and minimum payment. I received a confirmation that I read as my autopsy being confirmed and my next due date. Perfect. 

XXXX never showed up in my scheduled payments. So I called and after XXXX minutes I was told they payments set up on XX/XX/XXXX would not be in effect until XX/XX/XXXX over XXXX weeks later. I was also told that it would NOT show up in scheduled payments until XX/XX/XXXX, XXXX days AFTER I expected a payment to post to my account. 

I then tried to set up bill pay with my new bank, XXXX XXXX, only BoA doesnt accept electronic payments through XXXX XXXX 

I then logged into my BoA account again, canceled and then reapplied XXXX and realized that it says ( in very small print, above the important details of DUE DATE ( which was indeed the due date on which I expected my payments to occur. ) The reasonable person probably not even have read this far. They would have seen that autopay was set up and never noticed a discrepancy until their next bill IF THEN ( since they already had it on autopay. ) This is clearly a petty scheme to exhaust/defraud BoA credit card customers who want to make timely payments but who are frustrated at every step by arbitrary barriers, insane limitations, and the excuse that you didnt read the fine print for requirements NO ONE ELSE has. This is predatory banking.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

in accordance with the Fair Credit Reporting act 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