davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
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. (CA)

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 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 : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-07
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, this creditor has violated my consumer rights. Under 15 usc 1681 sec. 602 states I have the right to privacy. 15 usc sec 1681 sec 604 A sec 2 : a consumer reporting agency can not furnish an account without my written instructions. 15 usc sec 1666B a creditor may not treat a payment on an open consumer credit plan as late.
Consumer complaint received 2023-08-07
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. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXE XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX XXXX {$420.00} ; XXXX XX/XX/2021.
Consumer complaint received 2023-08-07
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-12
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone
Consumer complaint received 2023-05-15
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. (VA)

I accordance with the Fair Credit Reporting act XXXX Account 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 2023-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I applied for a personal loan and the company deposited a fraudulent check. They then withdrew funds from my checking account. They made purchases through another application withdrawing funds from my checking account. All started on XXXX totaling {$3800.00}. I was called by the FRAUD DEPT from my bank and this put my account in the negative. They told me that I was responsible for bringing it back to a positive amount. I filed a fraud complaint and they denied me twice. This was a fraudulent deposit and I do not feel that I am responsible for that or the transactions. What is insurance and liability for if thats the case Ive been a member for XXXX years and I think that I shouldve been covered.
Consumer complaint received 2023-05-14
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. (MT)

I have contacted Experian multiple times through dispute letters, and XXXX XXXXXXXX XXXX  has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by Experian and verified by XXXX XXXXXXXX XXXX These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on XXXX XXXXXXXX XXXX reporting 2 accounts with the same account number. I contacted XXXX XXXX XXXX and asked them for a copy of the payment history I was told XXXX XXXXXXXX XXXX that they did not have any reports for this account number. The account number as reported by Experian XXXX .... XXXX XXXX XXXX  This was reported by Experian Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from XXXX XXXXXXXX XXXX could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by XXXXXXXX XXXX There are so many mistakes on this report from Experian that have been verified by XXXX XXXXXXXX XXXX. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.
Consumer complaint received 2023-05-15
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. (TX)

I am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX Account Number : XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.
Consumer complaint received 2023-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (FL)

Due to Crypto.coms incompetence and inefficiency and ability to run their platform to the public as promised, my access to my own money is not available and I was not able to do business because of this and they cost me {$3000.00} in addition to the {$4100.00} which is mine to begin with for a total of {$7100.00} .I keep contacting them, and they keep giving me excuses as to why I cant have access to my own money and prevented me from doing business. Now I am at a loss because they can not do their jobs and make their platform work as promised to the public.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (IL)

Experian has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my consumer rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation or proper contracts that goes against my accusation. Experian has also ignored all proper documentation Ive provided legally including police and F.T.C report this account XXXX XXXX that begins with XXXX as listed on the credit report still shows on credit reported after it had deleted and blocked this account should not be displayed on my credit report as well as im block from disputing the account online ever again in which I was told by Experian customer service fraud department
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX XXXX
Consumer complaint received 2017-10-20
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. (HI)

It is over 45 days from my first dispute XXXX XXXX XXXX about the mistakes in my report ( XXXX, Transunion, XXXX XXXX : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified account However, I still not receive any physical verification of the original signed consumer contract - any and all accounts Credit Bureaus ( XXXX, Transunion, XXXX XXXX XXXX on a credit report
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2016-04-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX, I opened a Citigold checking account with promotion code : XXXX. This promotion offered XXXX XXXX XXXX miles after meeting the following requirements : 1. Open a Citigold Checking account by XXXX/XXXX/XXXX - COMPLETED 2. Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card - COMPLETED 3. Within 60 days after account opening : Make XXXX qualifying bill pay in two consecutive calendar months - COMPLETED It says the miles will post within 90 days of the end of the month that you completed the requirements. 

I completed these requirements XX/XX/XXXX. On XXXX XXXX, XXXX, I sent a Secure Message to Citi asking them to confirm my eligibility and whether or not I have met the requirements. I got a response on XXXX XXXX, XXXX indicating that I was in fact eligible and I did meet all the requirements. They also said I should receive my miles by the XXXX XXXX statement. 

I called Citi on XXXX XXXX, XXXX asking where the miles were and when I can expect to receive them. They opened up a case to investigate. On XXXX XXXX, XXXX, I received the results of the investigation and was told I was not eligible for the promotion and I will NOT be receiving the miles. This is the exact opposite of what I was told back in XXXX. Back in XXXX, the Citi rep confirmed I was eligible and that I would receive the miles by XXXX XXXX statement. 

How was I eligible in XXXX, but all of a sudden when it comes time to " pay out '' the miles, I am ineligible? That does not make any sense. It looks like a bait and switch to me.
Consumer complaint received 2023-05-14
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. (NC)

Have had difficulty resolving a dispute with my credit report involving an account with XXXX XXXX. I am a victim of identity theft. Requesting my credit report be updated to reflect the information. Please note I submitted information prior and Transunion has not timely resolved this.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (MI)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Card Acct. No. XXXX, has violated my rights. 
o 15 U.S.C 1681 section 602 A : I have the right to privacy.

o 15 U.S.C 1681 section 602 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions o 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 the records of conviction of crimes which antedates the report by more than XXXX years o 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 2023-08-07
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: Experian Information Solutions Inc. (TN)

Each credit company have taken a few things off that was fraudulent but not all. Please help me force them to comply by the FCRA block section and block the remaining accounts and inquiries from my reports.
Consumer complaint received 2023-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

The credit card promised the following : ( Apply for credit card on XX/XX/2023 ) Earn {$100.00} Cash Back after spending {$500.00} with the XXXX XXXX XXXX XXXX Credit Card, outside of the XXXX, within the first 90 days of account opening. Paid as a statement credit. 

Within 90 days i fulfilled the terms to receive the credit. ( by XX/XX/2023 ) I have NOT received the statement credit AND I have called numerous times to request the statement credit with no success ( XXXX, XXXX, XXXX, XXXX ). I have also filed a dispute with the credit card but have not reached resolution. 

I have also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was directed to this website.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan Servicing charge extra interest including unsubstantiated fees to payoff loan when loan was re-financed to XXXX XXXX. 

The principal outstanding was : {$300000.00}, however interest of {$2300.00} was added on although this interest only loan 's monthly payment was already made and some additional charge ( fee ) of {$660.00} was added in. I received a check from Bayview for only {$350.00} leaving {$2700.00} to still be refunded. I contacted Bayview several times starting on XXXX/XXXX/2016 but have received no response. 

From the attached payoff letter sent from Bayview to XXXX, you can see they have added in interest again on the loan ( {$2300.00} which the calculation does n't even add up ) of which this interest was already paid ( The refinance closed on XXXX/XXXX/2016 ) You can also see that there is a {$660.00} amount added on which violates the mortgage agreement as there is no condition that occurred that should have imposed such a fee.