davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (VA)

Thanks for your response but I have total of {$150.00} that your Debit Card Disputes Dept. Still owes me on my account as well as {$5.00} from a merchant refund. Please understand that this money was asked to be released by the merchants back into my account. I need you deposit my funds into my balance to make transfer out to my debit card. I did nothing wrong for you to hold my money & request you release the account limitation today to access my funds and that the Back Office regard the letters sent to service.paypal.com that were sent with my Disputes. This matter is not resolved until all my funds are received. Please contact me at XXXX XXXX XXXX XXXX XXXX that these funds are recovered. Your office knew I was XXXX  and these funds were for my medical expenses they can not be on held 180 days I am XXXX. I need an executive response by phone to release and transfer my refunds owed today to my debit card like the agent allowed me to do on Monday. Please call soon.
Consumer complaint received 2023-05-27
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  : {$5900.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX  XXXX {$1600.00}, XXXX  XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-27
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. (NV)

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 : XXXXXXXX XXXX XXXX XXXXXXXX, 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 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 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (TX)

A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.
Consumer complaint received 2023-05-27
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. (MA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX 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 {$5000.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$5100.00}, XXXX Original creditor XXXX  XXXX XXXX  : {$18000.00}, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-05-26
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. (FL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (GA)

I received a targeted credit card offer in the mail from US Bank. The offer was to apply for and receive the US Bank XXXX XXXX card and spend {$4500.00} in the first 90 days and earn {$500.00} cash back sign up bonus. The card also earns a minimum 1 % cash back on all purchases. I was approved for the card and received it the first week of XXXX. I completed the {$4500.00} spend requirement the first week of XXXX. In XXXX I called customer service and they stated I had completed the requirements and would receive the {$500.00} shortly. In XXXX I still had not received the {$500.00}, so I called customer service again. The agent did not know why I did n't receive the {$500.00} bonus and submitted a request for me to receive the bonus. In mid XXXX I received a letter from US Bank stating that the account did n't qualify for the bonus rewards as the charges needed to be done only by the authorized officer and not by any employees. This requirement is not stated in the targeted offer I had received from them. The offer states {$500.00} cash back will be paid after {$4500.00} in net purchases are made on your account. XXXX my card and my husbands employee card are part of the master account and ALL charges post to the master account. The offer did n't specify that I had to make all charges on my specific card as both cards charges hit the master account. I did receive 1 % cash back on all charges from both cards, so it does n't even make sense they would invoke this requirement for the {$500.00} bonus without specifying it in the offer. It is my belief that US Bank is trying to cheat me out of the {$500.00} bonus after luring me to apply for the card. There is a vague statement in the offer that says spend on multiple cards ca n't be combined to meet the spend requirement and each US Bank card meeting the requirement will earn the bonus. To me this meant that if a person has multiple master accounts that you can not combine them. Please contact US Bank and have them pay me the {$500.00} sign up bonus.
Consumer complaint received 2023-05-27
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 XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, 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 2017-01-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (AZ)

I was in the hospital for 5 months. I surrendered the vehicle to Chase for inspection per bank instruction for inspection. I was told after the vehicle was inspected that I would have an opportunity to bring the account current. Once the account was brought current I could take possession of the vehicle. I was prepared to bring the account # XXXX the day I surrendered the vehicle a XXXX. Chase never gave me an opportunity to bring the account current as agreed. Chase plans on auctioning the XXXX without notifying me or giving me an option to purchase the vehicle at a fire sale price reserved for their cronies. This practice is an act of bad faith and should be deemed illegal. Chase 's number XXXX. all state towing who confirmed the arrangement XXXX XXXX.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have a fraudulent hard inquiry on my Transunion credit report from XXXX XXXX XXXX. I have had no dealings with this company nor did I authorize any credit inquiries on my behalf.
Consumer complaint received 2023-05-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OK)

I sent {$300.00} to a friend through the transfer service she couldn't get it. I did this in XXXX, tgey said after 14 days i would get my money back i never received it. I've had been messaging customers service they said not to worry. Being on Social Security is not easy to lose {$300.00}. Plus i had to pay that and ny regular payment tobthe same person the next month. I have since stopped using Chime Bank and transferred my direct deposit to another bank.
Consumer complaint received 2023-05-27
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. (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 1681. 

XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, 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 an 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 2023-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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 XX/XX/XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2016-07-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX, 2016, loan officer at Wells Fargo ( XXXX XXXX ) sent me a text message, asking me to email all of our sensitive financial information ( 2 years taxes XXXX 's, XXXX 's, 2 months bank statements, paystubs, etc. ) to his personal email address to start the application process for a refinance of our mortgage. Come to find out 6 days later that the email address he asked me to send them to was the wrong email address, meaning that a total stranger now had all of our financial information. After we received conditional approval, I paid {$800.00} for the appraisal on our home, which finally took place on XXXX/XXXX/16. On XXXX XXXX, I was sent a loan estimate to approve before closing. I noticed that there was a XXXX % penalty fee added to the loan amount because the loan rate had expired ( which had absolutely nothing to do with us ). We have responded immediately to all requests for documents, and the reason for the delays have 100 % been on the shoulders of our loan officer and Wells Fargo. We are now going on 5 months for our refinance, and we are sick of the excuses for the delay, and, obviously, I am very concerned about our sensitive financial documents being in the hands of a total stranger. I filed a formal complaint with Wells Fargo Mortgage customer service 3 weeks ago, and they will no longer return my calls. I have attached a screen shot of the text where XXXX XXXX sent me the incorrect email address, then sent another text 6 days later apologizing, and sending me his correct email address. By this time, the damage was already done.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I opened an email that said my credit score has changed so I looked at it, as usual, and my score has gone down XXXX points for no good reason. There is nothing in collection and no hard inquires, I would love to know why my credit score keeps going down 20+ points with nothing negative showing up to make that happen when it takes MONTHS just to have a few good points.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (WI)

On XXXX XXXX, 2016, I was informed that TCF National Bank had closed my checking account. This decision was made because, in the words of the branch supervisor and managers, that I forgot to send in a requested Questionnaire that would update my current information. They also claimed that that the questionnaire had nothing to do with the bank, but was requested by the " XXXX. '' Yet the letter that accompanied the form mention nothing about a federal agency, but only TCF policy. I sought help from your agency and from the best of their knowledge they told me that they could n't find any law on file that stated that the federal government would send a questionnaire and suspend my checking account because it was not returned. Furthermore, what I find most offensive is the fact that my assets are now frozen. My funds have not been returned to me, they denied automatic transactions between my creditors, and I ca n't withdraw my money. However, they are allowing deposits into my account despite the account being officially closed. I have been misled by bank managers, been cheated out of my finances, and caused great distress over this incident.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (NJ)

In XXXX of 2015 we received a HAMP modification for the XXXX XXXX damage to our property. This lowered the mortgage interest rate down to 2 %. The stress from the disaster eroded our marriage and we filed for divorce in early 2015 which caused us to miss payments. Our loan was transferred to Fay Servicing from XXXX XXXX who is a predatory lender. They said sign the loan modification docs or they will foreclose, they raised the interest rate from 2 % to 5.75 % in an attempt to make us abandon the property and sell it themselves. We are currently making trial payments at the higher interest rate but can not sustain them for much longer, please help.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XXXX continues to report inaccuracies on my credit report. Upon checking my report, there are now : 1. 5 inaccurate late payment statuses reporting on my credit XXXX report. 
2. 1 inaccurate late payment status reporting on my credit XXXX report. 
3. 2 inaccurate late payment statuses reporting on my credit Equifax report. 

I have disputed the inaccurate reporting several times with the agency. The payment status is never resolved, only moved around. This is a clear violation of my rights, as I do not understand nor agree with how this account is reporting. 

If this can not be resolved, I will be submitting a complaint to the FTC.