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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Balance : {$600.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

This issue has been going on since last Wednesday ( XX/XX/21 ) Ive been calling about my funds coming to this account with Citi bank ( XXXX ) and they have been denying having my funds. I kept calling everyday and still havent been able to have my funds allocated to me here a week later and I need to pay my rent and my lawyer his retainer. This is ridiculous that Im a customer getting treated poorly. I just want my funds back. I have exhausted every level of trying to get my funds. But have yet to get them. My funds are still available n my mobile app. But this bank has shut down anyway if me moving my funds. Thry wont even help me get my funds. Ive talked to security. Ive talked to fraud. Ive talked to the early warning consumer agency they keep sending me to to discuss my funds that this institution has. Its prejudice and I feel discriminated totally
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: OneMain Finance Corporation (CO)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX and One Main Financial, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-26
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 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.
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (OK)

I had a GAP store card by XXXX Last year, suddenly GAP change to Barclay bank Then they issue new card to me which I never activate, the past may I received a charge for over {$5000.00} from a different card that I never requested I called the Barclay bank and they told me that they issue 2 mor cards to some one else whit a different address and phone number That person used the card for the amount of over {$5000.00} dlls Now Barclay bank is charging me for these transactions that I never did I called the bank and they told me to send my information via fax such ID SSC Proof of address I did it to many times and they keep chatting me
Consumer complaint received 2023-06-26
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: PNC Bank N.A. (PA)

This is my formal complaint to PNCBANK for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Consumer complaint received 2023-06-26
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this ( XXXX XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this XX/XX/XXXX hard inquiry didnt authorize this This is causing me financial hardships Ive tried to get these removed from my report I dont know why I cant
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 status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-08-10
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: CAINE & WEINER COMPANY, INC. (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (OH)

I am filing a complaint against US Bank which processes charges and payments for my Kroger Mastercard account ( ending in XXXX ) pand my Fidelity Investment Visa account ( ending in XXXX ). 

Despite the presence of the correct account number on my Kroger Mastercard payments, US Bank has repeatedly made the payments to my Fidelity account. By applying the Kroger payment to the wrong account, they assess a late fee for failing to pay my Kroger account. They do this despite the fact that I send in my payments early and pay in full. I have at least four letters in which US Bank apologized for " misapplying '' the payment to the wrong account. They continue to repeat the same mistake and charge me a late fee each time. This has happened so often that I no longer think it's accidental. This does not happen every time but it has occurred enough times to believe these misapplications are not inadvertent mistakes. How can their computers keep repeating an error where distinct account numbers are used? 

Please require US Bank corporate management to investigate these repeated processing errors that enrich corporate earnings and defraud the customer. 

Although they have account files that document their repeated mistakes in applying my Kroger card payments, their representatives always deny responsibility for the misapplication. It is only when I refer to the letters in which they acknowledged past errors, do they finally concede they may have made another error. Then they reluctantly send another apology letter. 

If I did not review my statements carefully, I would have been ripped off repeatedly. Such self-serving errors can not be inadvertent so often. 

Please investigate this situation thoroughly. Check to see if other customers are reporting similar problems where they have two or more accounts being processed by US Bank. 

It is time for US Bank to clean up their act and honestly serve their customers.
Consumer complaint received 2023-06-26
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. (OH)

I requested that they delete the public record off of my report to maintain the integrity of my report if they can not verify directly from the source which would be the bankruptcy court. These agencies have denied my disput and marked them as completed and stated they determined that the information was accurate. Third party agencies are insufficient for the proper and accurate investigation and I have attached a letter from the court that states they do not report nor verify public records to the credit bureaus therefore they have not possibly been able to complete a true and accurate investigation which infringes on my rights and the FCRA. It appears that unfair and unreasonable procedures are in place. Prompt attention and reinvestigation is requested in order to comply with federal law
Consumer complaint received 2021-10-14
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
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. (TX)

I paid off my XXXX loan in XX/XX/XXXX. XXXX XXXX XXXX said that I owed {$500.00} dollars for fees and charges. Not car payments. I referred them to XXXX and XXXX of XXXX when I paid those charges. They have reported late payments to all 3 bureaus. ( XXXX, XXXX, and Transunion ) I told XXXX that I was going to take legal action, and they sent my account in as a Charge off / Collection without the account ever being late. Even in their fraudulent reporting, they have me 60 days late in XXXX Then XXXX. no XXXX, XXXX, XXXX, or 180 days late. Then the charge-off. ALL TOTALLY WRONG. 
I have proof. XXXX sent me the letter of " PAID IN FULL '', and the Cars title, with the lien released. I sent letters to all three bureaus in XXXX and XXXX with copies of the account payoff letter and the car 's title. With a demand to delete this account if full, because it is wrong all 6 of the months at the end of the loan. I can supply the paid in full letter. And a copy of the title that XXXX sent me on XX/XX/XXXX. I wrote all three bureaus ' letters to delete. They are in the ATTACHMENTS.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (NC)

I dont remember the exact dates but it was a few years ago that I was constantly having transactions held for days before being taken action upon, once I was paid the transactions would come through a few days later and I would check my account and see that I am over draft!
Consumer complaint received 2023-06-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter out XX/XX/2023 to XXXX, transunion, & XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense.

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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 2023-06-26
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. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (OR)

In XXXX of XXXX I refinanced my house with Nations Lending ( who my previous mortgage was with ) to take advantage of equity in the house and pay off some debt. The loan officer XXXX XXXX worked up an initial loan estimate using a valuation of {$370000.00} which I indicated to him was too high. XXXX assured me that even if it came in lower they could still make it all work. The appraisal came in {$350000.00} which is where I told XXXX it would likely be. Then he came back and said they would not be able to pay off as much debt and the interest rate and payment would be slightly higher. When I pushed back and tried to ask about including more debt he said his hands were tied due to the loan to value. But in an email ( attached if I can ) on XX/XX/XXXX XXXX said " That being said what we can do is in 6 months, we can do a rate and term refinance. At that time, we will waive costs and just lower the rate for you. In 6 months, your credit will be much better from paying off the debts. This will allow for much better pricing, and we also anticipate rates to be lower then. This will all result in the payment dropping about {$300.00} a month at that time. For now, we can take advantage of the equity we do have before it lessons. Then in 6 months improve the rate. Unfortunately, this is the best we can do with the appraised value and style of home we have. '' In XX/XX/XXXX after making the 6 months of payments I emailed XXXX on XX/XX/XXXX to ask about the rate and term refinance he mentioned in his XXXX email. Later in the day on XX/XX/XXXX I emailed XXXX again as I was getting credit alerts that my credit was being pulled by a mortgage lender. At NO TIME did I authorize or know there would be a credit pull. XXXX did call me later and sent me a loan estimate with a valuation of {$380000.00} to do a conventional refinance with fees and appraisal costs. When I pushed back on what he said about a rate and term refinance he stopped responding. Several days later he sent me a text saying the best they could do would be an FHA refinance again with fees and an appraisal that would maybe save me {$170.00} a month. At no time during our exchanges after XXXX did XXXX acknowledge or address the email that he sent in XXXX. I filed a XXXX XXXX XXXX complaint and had XXXX XXXX reach out to me to discuss and she had a senior lender contact me by the name of XXXX XXXX. XXXX told me that I was part of a 5 year rate lock guarantee but there was nothing they could offer that would be better than what I currently have. XXXX again would not acknowledge or address the promises made in the email from XXXX from XXXX of XXXX.