davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-15
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. (OH)

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. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I  finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and XXXX XXXX XXXX  were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's  for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on  XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Consumer complaint received 2019-06-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (NC)

Please accept this as a Qualified Written Request for ; 1 ) An  unredacted copy of the letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/XXXX, for Property Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please, also pursuant to ... '' written request you are entitled to the following information : '' " Copy of the signed Note ''. Please accept this as a Qualified Written Request for a ; " Copy of the signed Note ''. For clarity, I am in possession of a copy of the XX/XX/XXXX " Promissory Note '', however, I have not been provided a copy of the " Note '' as referenced to in the XX/XX/XXXX letter defined above. 

Thank you - XXXX XXXX XXXX
Consumer complaint received 2020-11-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

I opened a cash app account via online app. Every time I log on I get an error notice on the page and Im unable to do anything further on the app. Some times I can see my balance and when I do it has been different amounts ranging from $ 5- {$11.00}. In the month of XX/XX/2020 I received two small deposits from my niece. One was for {$11.00} and the other was for {$7.00}. I never received a notification that she sent them as I have experienced with my last deposit made into my account from my daughter on XX/XX/2020 for {$100.00}. I received a text notification for my daughters deposit. My account however, has not reflected the added {$100.00} deposit. I tried to contact Cash App through the app but as I stated before I could never navigate the app due to the error screen that always popped up so I found Consumer Finance to submit a complaint since there is no other means of interaction for Cash App. I also submitted a complaint with another online website who I believe was a scam so I didnt further initiate contact with them because I was uncomfortable with the questions being asked. I have a card for the Cash App account that I have had constant log in issues with as well but have never used it. I have since made a new Cash App account and I wish to close the other account and receive all funds attached to the old account. I would like to be reimbursed by paper check in the amount of {$110.00}. That is the balance I am supposed to have in the account. Once that account has been close and deleted I would like documented proof to have for my records of this.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (KS)

On XX/XX/XXXX, a charge appeared on our XXXX Credit card from " XXXX '' ( see the attached document # 1 ). I asked those with access to this card in our family if they had used any such service from XXXX XXXX, and they said no. 

I immediately called XXXX to tell them this is an unauthorized charge. They posted a conditional credit to our card for this charge. I explained to them that nobody in our family had lost their physical card, but that someone must have gotten hold of the card #. XXXX then closed the account, and opened a new card. 

Meanwhile, XXXX mailed a huge amount of documentation to me. By looking at these documents ( see attached 'huge documentation ' document ), we saw clearly that this is a completely fraudulent use of our credit card by someone out there. The charge was incurred down in XXXX, Texas, apparently ( and supposedly ) between two supposed 'law offices '? 

XXXX XXXX then turned the charge over to their collection agency, Transworld Systems , Inc. " tsi '' The XXXX XXXX documentation shows a name of " XXXX XXXX '' as the one who paid for their delivery services. We have no such person in our house, and no such authorized user of our card. 

Transworld sent a letter to " XXXX XXXX '' at our address in XX/XX/XXXX demanding payment on behalf of XXXX. I immediately wrote them a response, stating that we completely reuse this charge ; we are not responsible. No such authorized user of our credit card made that charge ; we have done no business in XXXX, TX ; we have no shipping " account '' with XXXX ( as the XXXX documentation shows ) ; no member of our family or authorized card holder lives anywhere near XXXX ; we did not order anything sent from one 'law ' office to another in XXXX ; and there is no such person here named " XXXX XXXX ''. 

On XX/XX/XXXX, Transworld sent " XXXX XXXX '' a second letter at our address ( see document # 3 ) this time saying, " Thank you for your inquiry '', and your " request for validation ''. But our previous XX/XX/XXXX letter had neither been an 'inquiry ' nor a 'request for validation ' ; it was a firm rejection of all their claims that we are responsible for this charge. 

On XX/XX/XXXX, Transworld sent a third letter to " XXXX XXXX '' at our address ( see document # 4 ) saying they had not heard back from us. I am sending them another letter today ( XX/XX/XXXX ) again, denying any and all responsibility for this charge and explaining why we are not responsible for ( see document # 5 ). 

Whoever made this fraudulent charge did so only with the card # ( not with the physical card ), as we made certain that no authorized user of our card had lost or misplaced his physical card. 

Thank you! 
XXXX XXXX ( primary XXXX card holder )
Consumer complaint received 2019-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

I am writing to you to complain about First Federal Credit Control XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I have found adverse account information listed on my credit reports, mainly XXXX. I have no known or verified accounts with this business and after repeated verification request FFCC has not responded to my certified letters and continue to report to XXXX  in violation of federal law. This company unlawfully reported to XXXX  as resent as XX/XX/2019. First Federal Credit Control has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to at least one of the three major credit bureaus ( XXXX  ). The two erroneous accounts are in the amount of {$310.00} {$150.00}. The accounts are erroneous, inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact First Federal Credit control multiple times via registered USPS certified mail with return receipts which prove FFCC has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Consumer complaint received 2019-01-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NC)

CitiBank reported a 30 day delinquent payment to the credit reporting agencies on my behalf. This submission came after I spoke with a Citi representative who informed me I was in good standing and up to date on my payments. The reason I contacted Citi in the first place was to ensure I was not delinquent on my payments, since I'm well aware of what delinquent payments can do to a person 's credit score. I had not used this particular credit card in a number of months and wanted to make completely sure I was in good standing. Roughly 10 days later I see that my credit score has fallen 100 points. I immediately started calling each of my credit card providers to see what the issue could be. After speaking to Citi they informed me that I had a 30 day delinquent payment. I did not receive ANY notification from Citi that my payment was late, including in my online portal, via email, via phone etc. again, I had spoken to a Citi representative just a couple of weeks earlier who  assured me my balance wasn't due until the following month 's billing period. When I asked Citi to resolve this they told me to fax a physical letter to the " Citi Credit Bureau Disputes '' team. I have since faxed 4 separate letters and have not heard one response from Citi.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

ON XX/XX/2019 I SPOKE WITH XXXX REGARDING A DISPUTE FOR PUBLIC RECORD-BANKRUPTCY THAT CAME BACK AS VERIFIED. XXXX INFORMED ME TO CALL LEXIS NEXIS WHOM REPORTED THE INFORMATION TO THEM. I CALLED THE DISTRICT COURT AND WAS TOLD THAT MY FILE WAS IN STORAGE AND NOONE COULD RETRIEVE IT. I SPOKE WITH LEXIS NEXIS ASKED FOR MY DISCLOSURE REPORT # XXXX, INFORMED THEM TO DISPUTE THE PUBLIC RECORD BECAUSE IT IS SHOWING INCORRECT INFORMATION, AGENT CONFIRMED INCORRECT INFORMATION THAT IS REPORTING.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2020 I cash app {$460.00} to my bank XXXX XXXX XXXX and on Saturday XX/XX/2020 I call the bank and they told me they never received it to my account. 
and as of XX/XX/2020 it is still not in my account at XXXX XXXX XXXX XXXX. I have {$460.00} missing and no one knows where it went to. I am out of {$460.00} I dont know where it went to. I need someone to please investigate on this matter. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (SC)

EQUIFAX IS PLACING ACCOUNTS BACK ON MY CREDIT FILE FROM FTC REPORTS THAT SHOULD BE REMOVED/BLOCKED/DELETED AS THEY WERE BEFORE, NOW IVE NOTICED RECENTLEY WITH OUT ANY AUTHORIZATION THESE ACCOUNTS ARE RE-APPEARING THAT ARE ON MY FTC REPORT AND SHOULD NOT BE THERE PER FDCPA LAWS.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sequoia Financial Services (CA)

I went to XXXX to see a doctor for a XXXX issue. When I arrived at the reception desk, I provided my insurance information and asked whether there would be any out-of-pocket charges. I was assured there would not be any. As such, I saw the doctor and they ran several exams. A few weeks later, I received an invoice in the mail and immediately called XXXX to dispute the charge. After all, I'd been told there would be no charge. I spoke to two different people at XXXX and both rejected my dispute outright with no research and were openly confrontational. I later received a notice from Sequoia Financial Services notifying me they would send a notice to the major credit reporting agencies that I neglected to pay. I called them and told them the situation and they were uninterested and insisted I pay. I never would have seen the doctor had I been told there was an out-of-pocket fee. And especially not if I had known just how expensive that out-of-pocket fee would be ( now {$610.00} ). Fast forwarding to today, I now have reports with all 3 major credit reporting agencies that have lowered my score from the high 700s and low 800s and brought it down to the 600s. This is patently deceptive and amounts to extortion ; threatening my finances to get paid for a service they assured was covered.
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (TX)

I've contacted Frontline Asset Strategies / XXXX XXXX XXXX about a XXXX   XXXX line of credit that was fraudulently obtained in my name. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor.
Consumer complaint received 2019-01-22
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. (TN)

Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Consumer complaint received 2019-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have expressed this situation to my attorney and XXXX is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. XXXX, Equifax, and XXXX are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX  has done nothing. XXXX is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX   XXXX. Mr. XXXX rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX  replies to phone calls and emails even less than Mr. XXXX. The times XXXX has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   XXXX response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am filing this complaint because Experian, has ignored my request provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Account Name : XXXX XXXX XXXX Account Number : XXXX.
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We request the remaining money in the closed business account for the amount of {$4400.00} ( XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ). 

Unfortunately, our account was closed, and we have not been given a reason that brought the bank to make that decision. On XX/XX/XXXX Mr. XXXX XXXX XXXX intended to make a payment of {$2700.00} using an account under a different name, Mrs. XXXX XXXX XXXX. As one of our companys policies we review every payment and do not allow payments from third parties. As soon as this came to our attention, the situation was reported to Bank of Americas customer service and requested that the transaction would be cancelled. When the initial phone call was placed, the department in charge was not open so we were asked to call the next day at XXXX. eastern time. The next day, we called and opened claim Number XXXX with the Electronic Claims Services department. We were informed at that time that Mrs. XXXX had opened a fraud case the day before. Therefore, Bank of America proceeded to block our corporate account. As we requested to unblock the account, Bank of America explained that the amount disputed ( {$2700.00} ) was going to be put on hold which was understood as the amount of {$2700.00} were requested to be given back to Mrs. XXXX. On XX/XX/XXXX the amount of {$2700.00} was withdrawn from the account and placed back on Mrs. XXXX account, as requested by our company. The next day, our bank account was closed without explanation, and we were told to wait 10 business days to receive a check for the remaining money in the account ( {$4400.00} ). A few days later we received a letter stating the remaining money would not be returned to us. 
We have contacted Bank of America two times during the month of XX/XX/XXXX and no clear answer has been provided on whether the money can still be returned to us. Our company has clearly followed all procedures by reporting the situation and by requesting the transaction to be cancelled. Our company has not committed fraud nor intended to break the business relationship with Bank of America ; Therefore, we are requesting the remaining money left in the corporate account for {$4400.00} to be returned to the company. The remaining money left in a second business account for the amount of {$100.00} ( XXXX XXXX dollars ), and the remaining money on the personal account, for the amount of {$14.00} ( XXXX dollars and XXXX cents ). We are kindly requesting that you not involve XXXX XXXX  , XXXX and/or XXXX XXXX XXXX , XXXX upon this situation.