davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (PA)

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, XXXX XXXX is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by XXXX XXXX. Please be advised XXXX XXXX is in violation of The Fair Credit Reporting Act 15 Use 1681a ( e ) and! 5 USC 1681b ( c ) ( 1 ) ( a ). XXXX XXXX is also in violation of the XXXXramm Leach Bailey Act 15 USC 6802 ( b ) ( 1 ) ( a ) - ( c ) I the consumer was never given an explanation of how I can exercise that nondisclosure option. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS THE FDCPA AND FCRA.
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 XXXX XXXX Account # 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 2023-05-14
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: EQUIFAX, 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 accurate information. Please note I submitted information prior and Equifax 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: 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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Consumer complaint received 2023-08-06
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  XXXX  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 seven 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 2023-05-14
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: EQUIFAX, INC. (MD)

See attachments. Also, information that is being listed is tied to an address that is not mine nor is a part of my consumer report. Laws are being broken following the Fair Credit Reporting Act.
Consumer complaint received 2023-05-14
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: DIRECMANAGEMENT, INC. (AL)

I received an alert from my credit monitoring company that my score has dropped due to a new negative account from Direct Management reporting on my credit. I have no knowledge of this collection account and I do not have a joint account with XXXX XXXX XXXX XXXX. I was added as an authorized user but I have never had any access or had anything deposited ( paychecks, income tax, etc. ). 

Delete immediately form all credit bureaus Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also No permission to report anything using my info pursuant to 15 USC 1681 4
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

1st dispute was on XXXX for 6x large coats which I never receive & it was going on 2-months i wrote citi bank twice because they ask me to about the dispute & the only thing they had to do was get the merchant to send me the return label because the merchant stop taking my email & phone calls i had cancel after they lied about the delivery..then citi lied to me & said I had to pay 1st on the dispute & I will get my money back so I paid all three dispute $ XXXX, ,etc..the second dispute was on XXXX for XXXX for XXXX & the third one was on XXXX XXXXXXXX XXXX XXXX XXXX  etc. for XXXX, ,Then citi ly took my money & paid these lying people etc..Then I cancel my card & told then I am going to report your for stealing money etc..
Consumer complaint received 2023-05-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I sold my home in XXXX in XXXX shortly after having used a Covid program to avoid foreclosure. During my closing process the loan servicer changed from the one I had made arrangements with for Covid relief to another called Mr. Cooper. At the time of closing I placed more than the value of the subordinate loan into escrow to wait for me. Cooper to file the claim. It has been nearly a year since closing and they have made no indications that they are anywhere near being able to accept my repayment of the Covid relief loan and complete my transaction with the closing attorney.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (TX)

XXXX - Fraudulent activity on Truist account. {$13000.00} withdrawn to pay unknown credit card bill, not initiated by us. In " pending '' status XXXX - Called Truist. Was told I could not talk to fraud until the money was completely gone ( past pending status ) and no guarantees it would be returned. Asked if we could put a stop payment. Was told that would work to stop payment or ensure refund, but they'd have to charge me {$35.00}. Told them that was the less ridiculous or 2 ridiculous options and agreed. Freeze put on account. Discussed that my Truist mortgage payment would be pulled that night and asked what would happen. Told there would be no issues and I had a 15 grace period to pay. 

XXXX - Fraudulent {$13000.00} returned XXXX - {$25.00} fee charged on mortgage XXXX - Went to branch to open new checking account and unlock old checking account to transfer funds to new. Discussed risk of additional fraudulent activity but necessary to transfer funds and wait for direct deposit to transfer to new account. Discussed strategy of keeping at {$0.00}. {$35.00} stop payment fee waived. 

XXXX - Called branch. {$25.00} mortgage fee waived. All money transferred to new checking account per discussion, except {$71.00} to pay a bill hitting XXXX. One unexpected payment hit, resulting in an overdraft. Charged 2 overdraft fees of {$36.00}. ( One was refunded on XX/XX/XXXX ) XXXX - Expected payment hit, along with another unexpected payment. 2 overdraft fees of {$36.00} charged XXXX - XX/XX/XXXX - Multiple conversations with branch about refunding the still outstanding {$100.00} in overdraft fees seeing as they new this was caused by fraudulent activity and we'd transferred funds to another Truist account. Truist declined to waive and send they'd send us to collections if we didn't pay. 

XX/XX/XXXX - Final 2 payroll checks hit the old checking account, effectively paying Truist the {$100.00} against our wishes. 

XX/XX/XXXX - All money transferred to new checking account. Old account again frozen ( could not close b/c that department was closed ). Was assured no additional fees will be charged on the old checking account.
Consumer complaint received 2023-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harley Davidson Financial Services Inc (SC)

On XX/XX/2023, I received a call from XXXX. She asked if I was XXXX XXXX. I said I was XXXX and asked why she was callling me. The female was speaking in a low tone. I had to ask twice who she was with. She said she was with XXXX XXXX and that I owed a payment for {$13.00}?? and was I prepared to make the payment today. I could not understand all of what she said I owed. I told her I did not owe anything to XXXX XXXX and that I never owned a XXXX XXXX XXXX. I also told her I was on the " Do not call '' registry. She said my number was not on the do not call list. I told her she had no valid reason for calling me. She offered no explanation about how she obtained my number and name. I told her to not call me again. She said I was rude and then she ended the call.
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: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I mailed complaint /dispute letter to all three major credit reporting agencies. I havent received a correspondence or any kind of documentation or any matters pertaining my credit have been complied with me. This is the fourth time this year and theyre not acknowledging my certified mail thru United States postal service or anything. This is obscured. I will be seeking an attorney to handle this matter soon there are violations 5 frca laws n regulations. I suffer from identity theft its documented with all three credit reports.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I contacted XXXX to write to request that the late payments reported between XX/XX/XXXX & XX/XX/XXXX be removed from my credit report under XXXX account XXXX due to my XXXX  with XXXX in XXXX of XXXX. As you are aware, the XXXX pandemic has had a significant impact on many individuals, including myself. I was in the XXXX  for months on a XXXX completely XXXX. 

Upon my release, I made a payment to my account, unaware that it would be credited to the following month. I was still very XXXX, and was attempting to get all of my affairs back in order. This caused my account to reflect in arrears for a year unbeknownst to me. In essence, the time spent XXXX  put me ONE payment behind, which has been PAID IN FULL but continued to roll on and report for almost a year. I understand that this has resulted in late payments being reported to credit bureaus which has negatively impacted my credit scores. I would like to request that these late payments be removed from my credit reports as soon as possible. 

I have been a loyal customer of XXXX for almost 10 years ( with a total of 5 cars leased through XXXX ) and have always made timely payments on my account. However, due to the XXXX XXXX virus, I was unable to do so during my XXXX. I hope that you will take this into consideration when reviewing my request.
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. (CO)

Ive had MULTIPLE identity theft issues since the Equifax breach in XXXX ( which I was a victim ) including : fraudulent attempts of person ( XXXX ) using my SS # & other personal information to file a XXXX unemployment claim ; open a XXXX XXXX Bank account ( XXXX ) ; file my XXXX Federal Income Tax returns in attempts to obtain a refund ; attempts to withdraw hundreds of dollars from my current bank account ( XXXX ) ; multiple breaches of various email addresses, phone numbers, passwords, & just about every other piece of personal information you can think of. Ive also had multiple breaches of various medical accounts. You name it, Ive been a victim. Yes, Ive done EVERYTHING recommended ( short of changing my SS #, which in & of itself would be a HUGE ordeal to change ; plus, theres no guarantee it would help anyway, according to the SS Administration ), to stop these breaches & identify theft issues, but since ever since the XXXX Equifax breach, it keeps occurring. 
Since XXXX, a collection agency claiming I owe {$110.00} XXXX XXXX, Inc.appeared on all three of my credit bureau reports : XXXX, XXXX XXXX Equifax, ruining my perfect credit score. Despite MULTIPLE attempts to reach the original creditor ( XXXX ) Im unable to reach them. When I call them, they require an account # to proceed with the call & of course, I dont have an account # because I dont use XXXX & the {$110.00} is NOT MINE. Ive also tried to validate the debt with XXXX XXXX XXXX XXXX. They do not respond. So, after disputing the collection on my XXXX XXXX XXXX reports, both agencies removed it. Equifax refused to remove it, despite my dispute that it isnt mine & very likely has something to do with my ongoing identity theft issues. I call Equifax to explain the situation & the rep who answered was USELESS. She had NO CLUE how to help me, put me on hold forever & then I was then transferred to Equifax XXXX!! I live in the U.S.! I dont know what to do at this point to get Equifax XXXX who likely caused my identity theft issue in the first place, to remove this collection agency from my Equifax report. Please help. Ive run out of options.
Consumer complaint received 2016-09-20
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

I received a notification through email XXXX XXXX, 2016, stating XXXX charges had been applied to my account {$23.00} at XXXX in XXXX Oh and {$51.00} at XXXX ' in Delaware as I 'm at home with my card in hand. I immediately contacted the merchants to advise them of the charges while I 'm sitting at home with my card, I was advised to contact my financial institution to dispute the unauthorized transactions. After speaking with the merchants I immediately contacted my financial institution Rushcard to advise them of the charges and were not made by myself, that I have never been to XXXX anywhere let alone in XXXX when I reside in XXXX nor have been to XXXX Oh, I requested to cancel my card and issue another and requested a refund. I was advised that they would conduct an investigation and would be about 90 days before I would receive and answer. In the meantime, I was no longer receiving emails nor text alerts until I made a complaint with the XXXX I then began to receive emails and text alerts again. On today XXXX XXXX, 2016, I received a final determination letter from Rushcard stating no error had occurred and they will not refund the unauthorized charges and that I could request a COPY OF THE DOCUMENTS THAT THEY USED IN THEIR INVESTIGATION TO MAKE THEIR DETERMINATION. I contacted Rushcard immediately to request the documents, I was advised by a representative that there was no such document, I read the letter to the representative and asked to speak with a Supervisor or Manger of the dispute department, I was placed on hold, someone picked up then hung up. I called back and spoke with another representative named XXXX, I explained the nature of my call and again requested to speak with a Supervisor or manger, instead of getting Supervisor/manger the representative said she had someone from the help desk with her and will request the document they used to make their decision sent to my email in an hour. I 've received nothing.
Consumer complaint received 2017-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

In XX/XX/XXXX I deposited {$2500.00} cash via bank ACH to this company ( Coinbase ). They accepted my funds ( which are on deposit in their company ) but will not allow me to trade or withdraw {$2100.00} of my funds due to their automatic identity verification quiz, not being able to verify my identity. 

I 've emailed multiple times, each time getting a response saying essentially, " keep trying to use the automated system ''. I 've offered to send copies of any bills, bank accounts or any identity documents they would like, but they keep referring me to keep trying their automated system. There is no phone number for me to call or actual person for me to talk to. 

The most recent email reply from their company advised me that there is no other option than to go thru their automated identity verification system. 

Please assist, I 've been working on this since XX/XX/XXXX and every email reply says the same thing " keep trying our automated system. '' All I want to do is withdraw the money I deposited and close my Coinbase account. 

Thank you, XXXX XXXX
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANNER CORPORATION (CA)

XX/XX/23 I realized my business bank acciount was cyber hacked. My bank approved XXXX dollars to be unauthorized through web payments on my bank account. I contacted branch manager and they declined the following credits. All of theses charges are being fraudulently approved threw banner bank. My name, Id, signature, business name was never on any of these payments.
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/XXXX, I accepted a balance transfer offer from Chase XXXX and in exchange for paying a transfer fee, my transferred balance was to be interest free. 

What was not clear was that their rules require that you pay your entire balance in full ( both the regular balance and the balance you transferred ), otherwise they charge you interest on the average daily balance ( not to include the transferred amount ). 

For two months I have paid the entire statement balance, minus the amount I transferred. Both months I was charged interest that far exceeded what I would have paid had I just left the original balance on the prior credit card. 

This is a clear bait and switch. They entice you to transfer, in my case, {$3800.00} for 0 % interest, while burying in the small print that if your prior balance was {$8000.00} - and you paid that in full - that they would charge you interest ON THOSE FUNDS. 

I traded multiple messages with them and was told to read the fine print. 

Im utterly flabbergasted. What good is an interest free transfer option if they can turn around and charge you interest on the average daily balance of the account - even if you paid that balance IN FULL - before the due date?