davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: DISCOVER BANK (SC)

I was issued a  XXXX  card for my tax check to go on. So we also you for direct deposit for my husbands pauroll. We were staying in  XXXX   XXXX  Tn and the girl we were staying with  XXXX   XXXX  and her boyfriend  XXXX   XXXX  did our taxes on her computer. I found the information downloaded on a few different devices and hand written. She also traded a cell phone which had our info on also to a  XXXX   XXXX  and her boyfriend  XXXX   XXXX . We had it set up to send text verification code so  XXXX  and  XXXX  show up and take our phone home with them and get the code download our documents and return phone next morning. I have had credit inquiries that I 'm not sure about on  XXXX   XXXX  Discover Bank. On  XXXX   XXXX   XXXX   XXXX  and also on  XXXX   XXXX   XXXX   XXXX  also. I do not know if accounts were opened or denied. Please help me figure this out.  XXXX  and  XXXX  specifically said that they would be keeping an eye on our social security numbers. We have already had {$300.00} removed from our  XXXX  card.  XXXX  has made it good because I had documentation where he was working, police report. I just want to see what I need to do to protect my husband and I since at leas t 4 people have our SS #, DOB, thank you for you help in this matter
Consumer complaint received 2017-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I use a app called  XXXX . Where I can pay myself early then it comes out of my check when I get paid again.  X/XX/2017    I was paid. It 's my bank, Bank of America that is the issue. They are not sending  XXXX  my recent transactions. I have already sent  XXXX  my timesheet, that was yesterday  XX/XX/XXXX   . Once I send them my time sheet then they let me take out {$100.00}. But for some reason Bank of America is not sending them my information in a timely manner, which is causing delay for my money being put into my account.
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this notice includes identification of the specific information being disputed : XXXX, XXXX, and XXXX reporting for Acct # XXXX Date opened : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Amount past due : XXXX : {$1800.00} XXXX : {$10000.00} XXXX : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last Payment made : XXXX not reported XXXX   XX/XX/XXXX XXXX XX/XX/XXXX Reposession : XXXX Not reported XXXX XX/XX/XXXX XXXX   XX/XX/XXXX and XX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, XXXX and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Consumer complaint received 2018-12-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SYNCHRONY FINANCIAL (TX)

PAID OFF THE BALANCE DUE XX/XX/2019 {$11000.00} - PAID OFF EARLY ONXX/XX/2018 BUT RECEIVED NO BENEFIT FOR EARLY PAYMENT. TALKED WITH TWO SUPERVISIORS WITH NO ADJUSTMENT - IN BANKING WE CALCULATE INTEREST ON SIMPLE WHICH SHOULD SAVE ME {$190.00} IF I HAD PAID THE BALANCE OF {$10000.00} ON XX/XX/2018 - THEY WOULD GET NO INTEREST. IT WOULD SEEM THAT {$1200.00} IN INTEREST FOR A 4 DAY LATE PAYMENT WOULD MAKE THEIR DAY. IT WAS NOT DISCUSSED AT THE TIME SHARE XXXX ABOUT THE DEFERRED INTEREST AND I ASSUMED THE INTEREST WOULD START AFTHER 6 MONTHS.

XXXX XXXX - XXXX XXXX XXXX, XXXX, TEXAS XXXX E-MAIL XXXX XXXX
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (VA)

I us really a service called  XXXX , and consistently every Friday I get paid and need to manage my deposits and cash  out Wells Fargo does n ot send updated information so that I can complete my transactions. The most recent date being  XXXX / XXXX / 17 , but can be traced back basically every other Friday going back a t least 8-10  weeks. I provided the  XXXX  service access to my account, but the bank consistently does not update information
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

Hi my name is  XXXX   XXXX   XXXX  and I live at    XXXX   XXXX   XXXX   XXXX   XXXX   Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (MD)

On the XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX   claiming to represent a company called XXXX XXXX. My only connection with this company was XX/XX/2017 when I paid them a security deposit of {$170.00} as required by the " XXXX XXXX XXXX '' apartment complex for the apartment XXXX on XXXX XXXX XXXX. I fullfilled my one year lease and terminated it my lease directly after the end of the year. I was already in living in Maryland and received a call from the XXXX XXXX XXXX  manager about submitting my proof of lease insurance. I verified with them that I was no longer a resident of the property and turned in keys and fobs to the management. They said they were going to correct their files and apologized for their error.

Now in XX/XX/XXXX, I am receiving this notice out of nowhere.
Consumer complaint received 2024-11-02
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. (MD)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2017-06-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (OH)

On  XXXX   XXXX , I opened  a Wells Fargo check ing account through a link on their website, which said I would receive {$250.00} for opening a new account with them and meeting the  10 debit c ard requirements. After 45 days, I should have received those requirements. I opened the account, fulfilled the requirements on  XXXX   XXXX ,  2017 , but never received the bonus after the 45 days. They said they were going to look into it and send me mail. I never got the mail and sent them a secured messaged and they said I did n't meet the requirements. That was n't true because I had more than  10 de bit transactions, then they said " It was because I was n't targeted, which it did n't say anything about being targeted on the advertisement and I have an email telling me how to get the bonus.
Consumer complaint received 2018-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Patenaude & Felix A Professional Corporation (CA)

I did have an account with XXXX XXXX Credit card company on 2004 last time, I went in to hard financial times and I was not able to pay I believe was {$200.00}, now around 15 years later they are trying to collect {$1400.00}. According to a website ( https : XXXX ) they can not try to collect my debt after 4 years, in the last two years they have ceased ( frozen ) my bank account three times, by getting a judgment, so my question is ; do they have the right to do this after all this time? the case number is XXXX, and the issuing county is in XXXX XXXX CA. XXXX XXXX. thank you
Consumer complaint received 2018-12-10
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: Experian Information Solutions Inc. (GA)

Need Copy of credit report w credit score 3 months worth of income source I am a landlord, and less than 2 years ago, I successfully used Experian landlord credit report feature to see the reports of potential tenants. I tried using Experience feature about 1 months ago and the system was not allowing me to send report request to tenants. So I then opted to use XXXX for my tenant applicant and XXXX has a feature that I can view the applicants credit report. When I try using XXXX  credit report check feature with my first applicant, it happens to be with Experian Experian says I have a security freeze and that I needed to send VIA MAIL ID, Bills with address etc so that they can verify my ID, despite me having a PIN for my freeze. I sent in the required information on XX/XX/2018 via USPS. Its XX/XX/18 and I have not heard from Experian and I still cant view my tenants credit report to make an informed decision. I have no idea if I am even going to be able to view my tenant credit history forcing me to have to make a blind decision. I dont understand why I am having such a difficult time with Experian when I have used their services successfully in the past and my security freeze I place myself years ago as a protective measure. Additionally, the tenant applicant paid money for me to be able to view their credit report. Lastly, I have tried calling whatever number I can to speak with someone at Experian but I cant get past the machine operators to speak to a live person. With the amount of information and power credit agencies have, they really should make themselves available to fix issues like this. This could potentially cost me good tenants and thus money.
Consumer complaint received 2024-11-02
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. (FL)

I am writing to request the removal of fraudulent accounts from my credit report due to a recent data breach in which my personal information was compromised. As a victim of identity theft, I am seeking to have these accounts blocked and permanently deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Fraudulent Accounts XXXX. XXXX - XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX XXXX XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$6200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$840.00} XXXX. XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$25000.00} XXXX XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$590.00}
Consumer complaint received 2017-06-17
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. (MD)

As it pertains to the  XXXX  's account on my profile, it contains many inaccuracy that TransUnion has not made a fair attempt to correct.  <P/> I have requested both verification and validation information to be forwarded to me and TransUnion has failed to provide this information.  <P/> Furthermore the CRA has violated several federal laws in regards to debt reporting acts in regards to this account on my profile.  <P/> Included you will find several correspondences in regards to this account and how the CRA has responded.  <P/>   One major fact to consider is 15 U.S.C. 1681s-2 and FCRA 623 ( a ) ( 3 ).
<P/>
If this creditor does not deleted from my profile, I will proceed to a small claims action against TransUnion 's reporting practices.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 2017-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (IL)

Trident Asset Managenent LLC  from  XXXX  Georgia is erroneously reporting negative information on my credit. They are a third party collections company and report every 5 days in attempts to collect on a debt that is not even mine. My identity was stolen and I have forwarded the report to the bureaus. Trident refuses to remove the item. I have also received notices that they sold the debt as well. They are in violation of the FCRA and I am seeking damages of {$1000.00} for each time they have reported to my credit file intentionally and maliciously.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

there should be a catagory for ''CREDIT REPORTING CRIMES AND FRAUD '' this would explain chexsystems making bad reports on my good name WITHOUT HAVING ANY TANGIBLE PROOF OF ANYTHING, XXXX XXXX XXXX XXXX XXXX IM SICK OF THESE XXXX, AND they send me a letter i have a ''consumer file '' how did that XXXX happen? I am not thier comsumer, can i see evidence that im a consumer of chexsystems? SHOW IT TO ME, AND WHO THE XXXX MADE ME A CONSUMER NUMBER WITHOUT MY CONSENT? AND THIS IS A CRIME FOR SURE, LET ME GET THIS STRAIGHT FOR THE UMTEENTH TIME, IM NOT YOUR CONSUMER, IM NOT YOUR MEMBER, IM NOT YOUR CUSTOMER, AND YOU CAN NOT HAVE MY SOCIAL SECURITY ACCOUNT ACCESS, ITS A TRUST ESTATE ACCOUNT AND I FORBID XXXX TO ACCESS IT, AND NO IM NOT GOING TO VISIT YOUR WEBSITE BECAUSE I DO NOT HAVE A CONTRACT WITH YOU CRIMINALS, AND IM NOT GOING TO CALL YOUR XXXX XXXX ON THE PHONE WHICH ASK ME FOR PERSONAL INFORMATION WITCH IS NONE OF YOUR XXXX BISNESS, I WANT TO KNOW ALL WHO YOU ARE REPORTING FOR AND I WANT FULL DISCLOSURE OF ALL REPORTS WHICH YOU HAVE FAILED TO DO OVER THE PAST YEARS AND COMMITTED MORE FRAUD AND CRIMES
Consumer complaint received 2024-11-02
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. (MO)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised. 
Please block and delete the following accounts from my credit report : Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2017-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MO)

I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.
Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Cedar Associates LLC (TX)

Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as Red Cedar Associates. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with Red Cedar Assoc certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 XXXX 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 2024-11-02
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. (NV)

I am writing to report that I am a victim of a data breach resulting in identity theft. I am formally requesting that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$86.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX