davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
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. (MO)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX Balance : {$1700.00}
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Hello, I have been banking for XXXX century. I have used many different banks in different states and different countries. Never has a banking experience domestic or abroad, resulted in the police calling me. 

Today at approximately XXXX I made an impromptu stop Citizen 's Bank XXXX XXXX XXXX I needed cash and didn't want to go to XXXX XXXX XXXXXXXX which was further away. I intentionally do not carry a debit card for all of accounts. Citizen 's is one of those accounts. This has never been a problem at any location I have gone to. In fact, I rarely use my local branch where I opened the account, and when I do use them, I only use an ID. My experiences with using the ID has NEVER been met with the bias I experienced today. 

I presented my ID to XXXX. I explained I didn't have my debit card, and wanted to make a withdrawal. I told her I had XXXX accounts, and I wanted to check on the balance before decdeing how much to remove. I infomed her that XXXX balance was {$2400.00}, but I wasn't sure about the other. She looked at my lines and stated, " People from XXXX do not usually make withdrawals in XXXX. Are you conducting business in the area? '' Never has my address been an issue in any bank outside of my residence. Why was this a sudden pre-requisite. 

She proceeded to ask me question following " policy '' to protect my account. The questions seemed endless : XXXX. When was the last deposit, who made the deposit, what was the amount, where did I open the account, address of where the account was opened .... 

I stated this was excessive and I felt this was clear profiling. This was a new experience and unsettling experience. Rather than withdraw I was shutting down my account. She would not cooperate. I went to the manager. I was irate. I stated I would not leave without my money. If you refuse, feel free to call the police. 

HE DID. 

They came. This made me more irate. 

He still would not shut down my account. 

He did ask me more questions : Last 4 digits of my SS, middle name... 

He still would not give me my money. I spoke with him afterwards and he had the audacity to say he wanted to preserve the relationship. 

This was a crazy encounter. Bias was obvious from the very beginning.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought tickets for a concert that was supposed to happen in XXXX, however, a refund was not offered until XXXX. I was supposed to get a refund to my original form of payment from XXXX around XXXX XXXX and they supposedly sent me a refund to my bank ( Bank of America ) . I never received a refund and was in constant contact with both XXXX and BoFa about the whereabouts of my refund- at one point, XXXX gave me an XXXX, which should have been able to locate my refund. Still, BoFa stated that their companies use different systems so the numbers meant nothing, and IN ADDITION TO THIS, did not have any record of the card I used for the purchase. However, I have records of me using this card and the bank statements that reflect this card 's connection to my bank account. After making this note, both BoFa and XXXX stop responding to me for months. Fast forward to XXXX, I call BoFa again and they are able to use the ARN. However, they still refuse to give me a refund because it was past a year since the purchase. 
This does not make sense because I was never offered a refund until MORE THAN A YEAR AFTER the purchase. In addition to this, XXXX states that if the original card was to no longer be in service, the refund should still go through as long as the card is connected to the bank account. Therefore, I should have gotten a refund in XXXX XXXX since the same bank account used for the original card ( now expired ) still is in use today. However, BoFa is refusing my refund on the terms that it was over a year ago. They're holding my money illegally and I demand my refund back. There is a lack of proper documentation on BoFa 's side and they refuse to show documentation for the whereabouts of my card and why it is no longer connected to my account. They also refuse to show documentation of my refund and the ARN number ( which should lead back to my account for a refund! ). I have all the proper documentation, yet BoFa still refuses to refund me properly. A refund to my checking account should not be an issue, especially when there is a withdrawal confirmation of that same amount from when I bought the tickets. If I was able to buy tickets from this account, I should have my money back into the same account.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the in the US Bankruptcy Court of XXXX XXXX, and it appeared on my credit report. Frustrated I decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2022-08-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I have been struggling financially for awhile now due to losing my job in the horrific pandemic. I was blessed to be approved by the HAF program on XX/XX/2022 with funds to clear my past due mortgage balance which lifted some of the burden away, at least I thought. On XX/XX/2022 my mortgage company notified me that my award funding through the HAF program was received. They informed me that it would take 3-4 days for the funds to be applied to my account and I would receive an email when the account was updated. On XX/XX/2022, I called my mortgage company again because I had not received the email confirming payment was updated and they informed me that no funds were actually received on XX/XX/2022. Due to misinformed information, I am unsure that they are being completely honest with me. I am worried that they are holding the award funds hostage in efforts to foreclose my home. I have 2 small children and I am in fear of us losing the only place we can call home.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (TN)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Kingston Data And Credit for committing identity theft. I have never given Kingston Data And Credit any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from before they Kingston Data And Credit committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Kingston Data And Collect can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Kingston Data And Credit can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Kingston Data And Credit continues its collection efforts, I will file for litigation for actual damages caused and Kingston Data And Credit will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (KY)

I never even knew anything about that they are saying was mine. American Express hired a law firm to take it to court. This case was dismissed with prehudice on XX/XX/2020. Why is American Express sending me a email saying I missed a payment on XX/XX/2020 when the case has been settled and the account ( which was never mine to begin with ) has been closed? Please see attached images for my proof.
Consumer complaint received 2024-10-29
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (DE)

XXXX REPORTING A BUSINESS CREDIT CARD ON EXPERIAN WITH A BALANCE OF {$33000.00}. This card does not belong to me I have no association with the business and did not open the card. EXPERIAN continues to report this fraudulent account on my report even though I disputed it.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX Account has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple names and addresses are reporting on my credit credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (TX)

Wednesday, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of Documentary material & the original signed consumer contract - any and all accounts you post on a credit report. Pursuant to 15 USC 5561 documentary material includes and IS NOT LIMITED TO, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$1200.00} 2. XXXXXXXX XXXX Account Number : XXXX Bal :
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Submitted complaint a few weeks ago regarding my account being blocked and my money frozen by Truist. Complaint ID XXXX. I received an email stating I could contact XXXX XXXX for assistance during the so-called investigation. However, I've been calling her for weeks and she has not called me back. I called her because I can't understand what she is " investigating '' so long. As aforementioned, I called Truist because I was concerned about someone trying to withdraw money from my account. The fraud department suggested that I put a block on the account. I told him that I wouldn't be able to go to a branch, so I'd need to close that account and transfer my funds to a different account. He told me that I wouldn't have to go to a branch, that he would transfer me to a representative who would close that account and transfer my money to the new account. After the transfer, the rep told me that my account was blocked from withdraw and only the fraud department could unblock it. She told me that I wouldn't be able to close it or access the funds. As such, she transferred me back to the fraud department and I spent hours on the phone without getting any help. I have bills to pay and Truist has blocked me from accessing my funds for over a month. This is unacceptable and illegal. So there's really nothing to investigate and certainly nothing that would take more than a few hours to resolve. But Truist has allowed this rep to sit on my complaint for over a month, while I need my money to pay my bills. This is unacceptable. This beeds to be investigated. This is a habit.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not
communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

Last night I opened a account with Current Mobile banking and transfered almost XXXX dollars into the account. They said my card would be shipped but they had a virtual card that I could use till it come. I wake up today and I have zero access to my money the virtual card doesn't work at all I can't buy anything or get money out to survive. I made 10 phone calls today and everytime they told me they didn't have a supervisor I could speak with and they didn't have to let me talk to anyone that they would just sit there on the phone till I got bored and hung up. I asked for the number to someone above them and they told me they didn't have one I asked for there names they told me they didn't have to tell me there names.they didn't inform me that my entire account would be of no use till I get the plastic card in 2 weeks knowing I can't feed my kids or anything without it. They even have me suspended from sending my money online to other people to get it out.. they refuse to help me and told me that my money is gunna have to sit there till the card comes in and that can not be legal
Consumer complaint received 2022-08-11
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. (MO)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00}
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

To Whom It May Concern, Please remove the SECURITY FREEZE from my Consumer report. I'm writing to you to request this. You must abide by the provisions of the Fair Credit Report Act. I'm aware that some kind of identification verification will be required by your business to confirm my identity.
Consumer complaint received 2022-08-11
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. (MO)

I submitted a letter to the XXXX and TransUnion on XX/XX/22 to update this suspicious information. I think XXXX and TransUnion have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$27000.00}