davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " PORTFOLIO RECOVERY open balance {$750.00} last reported XX/XX/XXXX. Original creditor. ( 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 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 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  This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX. the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

The Visa credit card from U S Bank stated that I would get {$500.00} cash bonus reward if I spent at least {$2000.00} in the first 120 days of opening the account. I have purchased collectibles from XXXX. I have not received the bonus. When I called the U S Bank, I was told that purchase from XXXX is not eligible for cash bonus. The card member agreement says cash advances, balance transfers and convenience checks are nor eligible for bonus rewards. U. S. Bank nowhere mentions that purchases from XXXX are not eligible for bonus rewards.
Consumer complaint received 2024-01-11
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 2022-11-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (NY)

Hello, I recently have encountered an issue with Citi bank here, I recently had my direct deposit hit on XX/XX/18 I had enough funds to cover my payment to XXXX XXXX for XXXX however Citibank decided to return payment because my dispute was closed.which is not fair my credit dropped XXXX points thanks a lot Citi bank.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is 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 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of XXXX I attended a social gathering and purses/wallets were stolen by event staff. Police were notified and report was made. I was advised to monitor my credit report in the future. I recently pulled a copy of my credit report and noticed a slew of accounts I have no knowledge of, affiliation, or relationship with. I also discovered someone has been applying and attempting to obtain lines of credit in my name. I immediately contacted the CRAs ( XXXX, XXXX, and Transunion ) in XX/XX/XXXX. I informed them of the incident from XXXX along with the account I discovered. I contacted all agencies via phone and by mail. It has now been over 60 days and no accounts have been verified but are still reporting to my profile which is now in violation of the FCRA, specifically 15 USC 1681. NO INFORMATION SHOULD BE FURNISHED TO MY PROFILE WITHOUT MY WRITTEN CONSENT. Furnishing account due to Identity Theft further violates 15 USC 1681 c-2. No accounts due to identity theft should be reporting to my profile. The accounts being reported to my profile that I have no knowledge of are : XXXX XXXX ( {$190.00} ), XXXX XXXX ( {$1400.00} ), XXXX ( {$980.00} )XXXX XXXX XXXX  ( {$610.00} ), XXXX XXXX ( {$260.00} ), XXXX XXXX ( {$450.00} ), AND XXXX ( {$500.00} ). Again I have no knowlege of these accounts. I also noticed credit inquiries from creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX. I have NOT applied for credit with these lenders
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

I have submitted all proof of payments to Ally from XX/XX/2023 until XX/XX/2023. I have sent proof showing that all payments were all made on time and never 30 days behind. Please update the late payment from XX/XX/2023. Please send proof of the late payment as per my bank statements were paid on time. I have been fighting this a long time and the creditor continuously move the late payment from month to month. This is affecting my credit and I am trying to get if taken care of as I do pay my bills monthly and on time.
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC (WI)

I received an unsolicited call from Central  Mortgage at XXXX XX/XX/22 they purchased a trigger lead from an application I made through another company. I asked him to identify himself with name and XXXX  number. He said they only provide the information if I agree to work with him. I asked how he got my information he told me that the XXXX XXXX I applied with sold my information to him. At which point I explained he is lying and I need his XXXX  number he than hung up on me.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have a consumer credit card with XXXX. I have had the card since XXXX. 

I received an invalid interest charge on XXXX XX/XX/XXXX in the amount of {$3.00}. According to the terms and conditions of the credit card agreement, there is no interest charge when the balance is paid in full by the due date. In this particular case, I paid more than the balance due, yet I was incorrectly charged interest. 

The company indicated that when paying more that the balance due, a technical error in their system improperly charges an interest fee. The bank reversed the charge, however, the bank did not provide a long-term solution to the problem. I have just now reviewed prior statements and determined that there are more charges that have not been refunded. 

I would like to report the company for failing to comply with their own terms and conditions related to interest charges. I do not think the burden of interest fee compliance should be on the consumer especially with a known technical issue.
Consumer complaint received 2023-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: MIDFIRST BANK (PA)

Hi Governor, thank you for getting back to me. I have a 30 year mortgage, and I purchased my home XX/XX/1997. Long story short, a couple of years ago my escrow account came up short of {$2600.00}. When I contacted Midland Mortgage about a resolution to get caught up on my escrow shortage. The mortgage company advised us that there was an easier resolve, that they can just put the {$2600.00} at the end of our loan. Being as though we had a previous shortage from about 9 years ago placed at the end of our loan we felt that it was okay to do that. They told us is that all we had to do was to get the agreement notarized and send the papers back to them. We purchased our house for {$57000.00}. Earlier this year I started paying more attention to our remaining balance. I noticed that it states a remaining balance of XXXX. When I asked the mortgage company about it they told us that by moving the {$2600.00} escrow shortage to the back of our loan gave them the right to lock us into our mortgage with a new maturity date of XX/XX/2057. XXXX XXXX I am XXXX with XXXX XXXX, I won't be alive in XXXX. Midland Mortgage told us that they're not obligated to advise us of the new maturity date, that they're allowed to do that. I have been trying to contact legal help, I wrote to the Attorney General 's office. Please, I need help. I am a XXXX XXXX that was XXXX XXXX XXXX when I purchased my home. Very rare coming straight from project housing. Can you please help me?
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to my report. Please remove!! Also Pursuant to 15 usc 1681i ( a ) ( 1 ) ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained 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 reinvestigation 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 2023-09-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (PA)

Was given XXXX pre-paid AMEX giftcards, after activation couldnt use the cards at any retailers. Called customer service and was told the restrictions would be lifted and to wait XXXX hours. After waiting XXXX hours the cards still have yet to work. Called again and was told the same thing yet again. Still have yet to resolve the issue.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I originally loaned the car from XXXX XXXX XXXX and they went out of business and sold to XXXX XXXX. Ive made my payments on time and the balance on my account hasnt been going down. Theyre reporting to the credit bureau the wrong amount of what it should be. It comes off my credit and comes back, making hard inquiries on my credit causing it to go lower and lower. Ive contacted XXXX XXXX to see why this is happening and only thing they tell me is I can contact XXXX XXXX XXXX. I cant contact XXXX XXXX XXXX because they are out of business so no one responds. The loan itself was already overpriced and Im not sure what to do. I cant send photos of payments made to XXXX XXXX XXXX because it doesnt allow me to log into their website anymore, its automatically transferred to the XXXX XXXX website.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a victim of identity theft, I am submitting my another request to have the information related to the alleged identity theft removed from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are obligated to remove any disputed items no later than four business days after the receipt of my initial letter, dated XX/XX/XXXX. I have previously included this report in a prior letter, and I am resubmitting it for reference. Moreover, I have noticed that certain accounts in the provided information are unfamiliar to me and have already been removed by other credit bureaus. Consequently, I am skeptical about their accuracy. Therefore, I request a thorough examination and removal of the disputed accounts below : 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 2024-01-12
Product: Credit reporting 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 accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I acknowledge your attention to rectifying the erroneous entries in my record following an alleged incident of identity theft. Despite your efforts to address certain fraudulent items in my file, there remain unresolved matters that require removal. This marks my second communication as a victim of identity theft, wherein I seek to contest specific entries resulting from the aforementioned criminal act. The items subject to dispute are unrelated to any transactions wherein I obtained goods, services, or authorized financial transactions. Kindly expunge from my credit file any entries stemming from the alleged identity theft, as outlined below for each bureau : 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  *********EQUIFAX : XXXX XXXX XXXX XXXX  Balance {$1700.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}. I have also enclosed my new FTC report # XXXX for your reference.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hi, i am XXXX XXXX, i am requesting verification/investigation and disputing the below inquires from my credit file and credit report. I never applied to these lenders and all of these lenders did not have permissible purposes to pull my credit report. Their practices have been unfair deceiving and they have had unequal bargaining power. I applied to XXXX car lender and that was XXXX. I dont understand how every other lender was able to pull my credit report off of that XXXX credit pull from XXXX i am aware that all of these inquiries should have only been treated as XXXX credit pull, meaning only XXXX inquiry should be reported/reporting. 
I am requesting that you all provide the certified Uses signed by me that shows exactly why the lenders would be pulling & using my credit and that it is signed by me and that they had permissible purpose to do so. Provide this immediately. Please also provide a certified original of my permission & consent. And lastly, Please delete all the below inquiries from my credit file and credit report immediately. Thank you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( total of XXXX inquiries ) All other inquiries on my credit file and credit report. 


Please note failure to do the above requested will severely damage as i have been unable to obtain future credit because of those inquiries.
Consumer complaint received 2024-01-11
Product: Credit reporting 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. (TX)

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX