davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Credit reporting 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. (MD)

I have been monitoring my credit score and reports. On XX/XX/2023 my credit score for Transunion was XXXX and my XXXX score was XXXX. My income is {$110000.00} but since I don't have a lot of open accounts my credit scorXXXX had been pretty stagnant, so I decided to open up a credit card account so I can establish more credit and have an opportunity to increase my score. 

As previously stated my credit score on Transunion was XXXX and my credit score on XXXX was XXXX on XX/XX/2023. I then applied for a XXXX card and was approved. The account was opened in mid-XXXX When XXXX card account was opened immediately my score on both the Transunion and XXXX reports changed, which was expected. But what it changed to was very unexpected because the new credit score from Transunion and XXXX were so different. 

Transunion score saw a decrease of XXXX points. Transunion decreased from XXXX to XXXX ( vantage XXXX score ). XXXX on the other hand saw an increase of XXXX points. That score went from XXXX to XXXX as a result of the new XXXX card account. So basically my issue is... ..Transunion score decreased XXXX points, while XXXX increased XXXX points. Why did the two credit reporting agencies report such different results for the same report activity? 

Both reports show the XXXX card was the underlying factor for the change in credit score. But Transunion went down XXXX points and XXXX up XXXX points. That doesn't seem right. Transunion score is showing XXXX and XXXX XXXX and they are both using the XXXX XXXX scoring model and both have same accounts. So my question. Why did the Transunion score decrease so signficantly ( minus XXXX points ) when XXXX went up? 

I know there can be differences between credit reporting companies but they are both using the same credit scoring model and both credit scores was neck and neck ( XXXX and XXXX Transunion and XXXX respectively ). So why did Transunion go down XXXX points and XXXX go up XXXX points? 

I think the Transunion score is wrong and I need someone to review but they don't have any dispute mechanism in place to dispute the credit score. I have dispute the credit report and accounts, etc, but their website doesn't let you dispute the score which is why I am writing you. 

I need a government run regulatory body to review this matter and request Transunion to review independently and report updated status. Also want to know how the same event ( opening a new credit card ) can have such different effects on Transunion and XXXX credit reports. especially since the scores were similar before the event and the companies are using the same credit scoring model. Please advise.
Consumer complaint received 2024-01-10
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (OH)

Kay Jewelers charged me excessive interest without notifying me from the inception of the purchase it would an increase if not paid back in a certain time. I went back to the store I purchased a chain and it was almost laid off then I got this ridiculous interest. The guy never showed Ma receipt or read it to me he admitted he didn't to me.I put a complaint in and it took them XXXX  months to respond I finally got an answer yesterday. I purchased an item for {$1300.00} and almost {$4000.00} was added nor explained to me I was told there was no interest and was instructed to sign a receipt. The interest was never explained the guy admitted but told me he couldn't reverse it I had to call corporate. Which I did and wasn't successful..!!
Consumer complaint received 2024-01-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CARS Acquisition, LLC (AZ)

Car Financial Services is committing Identity Theft, pursuant to 15 USC 1681 ( q ) ( 3 ) by continuously fraudulently reporting to XXXX, XXXX and XXXX, regarding my contract agreement with XXXX XXXX. 

I spoke with XXXX XXXX and XXXX XXXX, via phone, at the XXXX XXXX for Car Financial Services, on XX/XX/, regarding the unlawful reporting by Car Financial Services. I informed both employees that not only was Car Financial Services unlawfully reporting on my credit profile, but reporting TWICE for the same car loan. XXXX XXXX XXXX cited what they believed would be on the contract, as the foundation for the continued Identity Theft, stating that the clause in the box at the top of the contract allowed XXXX XXXX to transfer the contract to an " Assignee. '' I informed both, XXXX XXXX XXXX, that the contract proves that XXXX XXXX is also the " XXXX '' on the contract, not just the seller. XXXX XXXX XXXX cited the fact that the file had been returned to XXXX XXXX due to alleged incomplete payments being made for the vehicle, and XXXX XXXX allegedly paying off the vehicle on my behalf. 

I was contacted by someone purported to be XXXX XXXX XXXX, a legal representative for Car Financial Services. XXXX informed me of the same information as the previous Car Financial Services representatives : that the contract with XXXX XXXX authorized the credit reporting by Car Financial Services and, the contract and payment history are the only available information the company currently has, after returning the file to XXXX XXXX. I, again, informed the Car Financial Services rep that in accordance with 15 USC 1681 the company only had 3o days to prove authorization existed. Car Financial Services still has not and can not produce the demanded documentation, and has refused to act lawfully by ceasing to report the unverifiable derogatory information attached to my current credit profile. 

I filed a previous CFPB complaint for Improper Use of a Credit Report, regarding Car Financial Services ' unlawful unauthorized and duplicate reporting to the the credit reporting bureaus. This complaint resulted in Car Financial Services removing the account showing no derogatory history, but continuing to falsely, and without authorization, report the second alleged account with a negative unverified payment history. 

I have filed and attached a Federal Trade Commission complaint for Identity Theft and an investigation into possible securities fraud regarding the securitization of my identifying information without proper authorization. 

I will also be filing a SEC complaint regarding the same possible issues regarding securities.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OK)

On Sunday XXXX XXXX I mobile deposited a mobile check to my checking account through chase for {$1900.00} that was dated for XX/XX/2024. I called Monday morning to see why there was a hold on my account and they said the funds should be available Tuesday morning. I called Tuesday morning because when I checked my account it said there was a hold on my account. I called them again and the lady said she would need to see if she can find a verified number through their system so she can contact my employer to verify the check. She said she was unable to find a verified number and that my funds would be available until XX/XX/2024. Later that day I tried to deposit cash into my account and found out my account was restricted because of the check hold. I called Chase bank back and they asked if I could provide them with a number they can call. I give them the owners number and then they say the number isnt verified. They said until they receive a verified number my check will be held and my account will remain restricted. I have bills to pay and my funds are being held from me and my employer is unsure which number my bank is needing.
Consumer complaint received 2024-01-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (AZ)

I moved out of an apartment without giving 60 days notice. I provided 30 days. I did not want to move but the living conditions became unbearable. There was mold. Maintenance never fixed anything. There was a large renovation that took place while living in the unit resulting in more exposure to the mold and changing the living conditions. The debt collectors called me I tried to explain the situation and I was told Im trying to run and not pay my debits, 2 different reps yelled at me degraded me and threatened to garnish me if I dont give them money within 24 hours. This list is so much longer!
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: LoanCare, LLC (CA)

About XX/XX/2024 I got alerts from identity guard about 30 day past due notice on mortgage that I am the co borrower in which I was never contacted on by the loan servicing company Loan care nor was I notified of data breach. Since I have been made aware all payments have been posted. Loan care did not follow the proper guidelines as established in there delinquency policy, had proper guidelines of notification been done this situation would have not accelerated in regards to payment. Data breach better security systems should be in place and consumer information would not be compromised.
Consumer complaint received 2024-01-08
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. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

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.

has violated my rights. Or a 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 2024-01-08
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)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2024-01-08
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CT)

I opened a VENMO account to receive payment of {$800.00} from a different VENMO user. 
the user paid {$800.00} into my account on XX/XX/XXXX ( {$1.00} ) and on XX/XX/XXXX ( {$790.00} ). 
right after funds were in my venmo account I tried to transfer into my bank account and received an error message that my account was frozen. 
contacted venmo and provided all documents requested to prove identity XX/XX/XXXX. 
finally received response from venmo that proof of ID had been received and my account was unfrozen on XX/XX/XXXX. 
I tried to access my money when I received this account unfrozen email on XX/XX/XXXX but account was still frozen and money inaccessible. 
since XX/XX/XXXX I have sent over XXXX emails and called 3 times to request help getting this problem fixed. every time I am told that they have all documents needed and my account will be corrected within 24 hours. 
it has now been 2 months that Venmo is holding my money without my permission and I continue without access to my funds.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I had a Savings account as well as a Checking account with Truist, both of which have since been closed. 

RE : the Savings Account - I never paid any bills from this account, only transferred money to it and occasionally transferred large amounts out from it to a larger credit union account. Starting in XX/XX/XXXX, the account started to be hit with monthly DIRECT debits from two service providers, XXXX and XXXX. Both are companies I deal with for my own service, but these direct debits were completely separate from my normal monthly payments from checking. 

As I believed the savings account to be secure and rarely touched it myself, I did not monitor it closely, and I finally caught the issue in XX/XX/XXXX. 

RE : The Checking Account - the situation with Savings prompted me to examine Checking again, and I found a few smaller, unauthorized amounts direct debited there as well, also from XXXX, going back to XX/XX/XXXX. They had occurred alongside, but clearly separate from, my normal monthly charges. 

There is no one among my family or friends who would have had access to these accounts, and my only guess is that an online banking password breach may have caused it. 

Upon discovery of all, I immediately filed a fraud claim with my local Truist branch detailing all dates and amounts, and I closed all my existing accounts. 

Truist has been considering my claim for a couple of months, and has returned a few amounts ; however, most of the amounts, though they were still within the allowable window of time for consideration ( 6 months ) and I signed to verify that I did not authorize them, have been declined, presumably because of Truist 's inability to recoup funds from the carriers in question. 

This complaint is only concerning those amounts that were within Truist 's 6-mo. statute of limitations, yet still declined. 

The amounts in question are below. 

SAVINGS ACCOUNT XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$250.00} XXXX XXXX {$320.00} XXXX XX/XX/XXXX {$270.00} XXXX  XX/XX/XXXX {$290.00} XXXX XX/XX/XXXX {$270.00} XXXX XXXXXX/XX/XXXX {$200.00} XXXX  XX/XX/XXXX {$460.00} XXXX CHECKING ACCOUNT XX/XX/XXXX {$90.00} XXXX  XX/XX/XXXX {$97.00} XXXXXXXX XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$90.00} XXXX
Consumer complaint received 2024-01-09
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. (FL)

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 2023-06-20
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: Experian Information Solutions Inc. (OH)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15U.S.C. 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

MEDICAL COLLECTIONS ARE ALSO PROHIBITED FROM VIOLATING HIPPA LAWS AND WITH WRITTEN CONSENT CAN NOT FORWARD ANY PERSONAL HEALTH DIAGNOSIS TO ANYONE
Consumer complaint received 2024-01-07
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. This has been hurting me as I am in the process of trying to buy a house for me and my family. Please remove fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2018-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (IN)

I am still missing my wire transfer and it was NEVER credited to my coinbase account. Details are as follows:Name on a/c: XXXX XXXXAmount: $XXXXSending Bank: XXXX XXXX XXXX XXXXDate Sent: XX/XX/18Fed Ref for wire tracking: XXXXReceiving Bank:  XXXX XXXX XXXXRecipient:  CoinbaseCoinbase Ref #: XXXXMy telephone # XXXXMy funds have been in limbo too long and I was charged a $XXXX fee for wiring these funds. This is very disappointing & difficult to understand how it could possibly take this long to credit or deposit funds into my Coinbase account or refund my wire back to my bank acct.I have called XXXX XXXX XXXX, they acknowledge receipt of the funds and stated this is a Coinbase problem.  The only way to contact Coinbase is "online" support tickets, which they send preformatted responses to customer inquiries.  No one has taken ownership of this issue nor replied where my missing funds have gone.  Coinbase claims to be FDIC insured.  How can a bank or brokerage firm be govt regulated and operate with impunity?