davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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. (UT)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
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. (TN)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3900.00}
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems in the amount of XXXX ( XXXX XXXX ). I have reached out to them several times informing them that I have no debt with this company or original company. Transworld Systems have stated the debt was valid and that is untrue. The name on the account and personal information such as social and dates etc are not mine. It also was during Covid-19 and I'm not sure who or why my identity may have been compromised. Again, the names and personal information don't belong to me. I want this to be removed from my credit report. Thanks!
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (AZ)

As a member of Navy Federal Credit Union, I have been advised on several occasions that NFCU is a non-profit organization. After reviewing my credit card agreement disclosure, I learned that I granted NFCU security interest on my accounts and determined that was not beneficial to me. On XX/XX/2023 I sent request for old securities/ right to rescission XXXX XXXX via registered mail # RF XXXX XXXX XXXX Additionally, I sent the same notice to Navy Federal Credit Union legal department certified mail # XXXX, which were delivered on XX/XX/2023. 

It is my understanding that my request to NFCU is valid in accordance to 12 USC 1026.15 Right of rescission.

( a ) Consumer 's right to rescind. 
( i ) Except as provided in paragraph ( a ) ( XXXX ) ( ii ) of this section, in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind : each credit extension made under the plan ; the plan when the plan is opened ; a security interest when added or increased to secure an existing plan ; and the increase when a credit limit on the plan is increased. 

Furthermore, it states effects of rescission.

( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

As of today 's date, I have not received any correspondences or communication to remedy this situation. My account has been notated, so it is my belief that NFCU lack of action is both willful and intentional. While I only wish to recover what I contractially obligated to, I will pursue criminal and civil remedies to hold NFCU accountable if necessary. 

Please note : CFPB # XXXX, a separate matter, is still open/ pending company response. I spoke with XXXX XXXX on XX/XX/2023 regarding NFCUs indentured trustee/trustee, I requested that phone call be followed up in writing in which has not.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TX)

The following points will be in the order in which they happened : XX/XX/XXXX Phone was stolen late that night XX/XX/XXXX I realized that phone had been stolen immediately called Cash App, XXXX and our local police dept. 
XX/XX/XXXX spoke to XXXX advised of charges : {$500.00} to a XXXX XXXX, {$170.00} to a XXXX XXXX and {$100.00} to XXXX XXXX there was a charge to XXXX  in the amount of XXXX but it was denied. 
XXXX responded with " based on our review {$100.00} was still pending and i had to wait for it to be completed. She then stated that I had to reach out to support and deactivate my card. Once that was done I could dispute the transactions once they were complete. 
They had me answer some questions, change my pin and wait 10-14 days until an agent would be contacting me. I was then advised that it may take 45 calendar days to review and resolve claim. Then I was told that my claim had been escalated and my reference number is XXXX. 
XX/XX/XXXX I requested update. Was transferred to a specialty team who will provide documents on which their claim was based. 
XX/XX/XXXX requesting update for reference XXXX, I the then had to give them the transactions i was talking about. 
XXXX until present day i have been doing this. i have sent the police report as well as the XXXX receipt to them 7 times. I am continually denied and told that i authorized the transactions.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ME)

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXXXXXX XXXX XXXX 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 furbish an account without my written instructions.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

The incident started on Saturday, XX/XX/2023, around XXXX XXXX  at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue. 

After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim. 

I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days. 

I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original. 

They kept repeating to wait for the next claim response.
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: T.S. Holdings (TX)

According to I.Q. DATA INTERNATIONAL INC. the debt is for {$1200.00} fee was included in. The date is for XXXX. I had a lease with XXXX XXXX XXXX. I reached out to XXXX XXXX of the apartment. He was supposed to get back with me to tell me the adjusted amount. Last weekend of XX/XX/XXXX, I moved out. I went back to finish cleaning I noticed an eviction notice on the door with false amount. In XX/XX/XXXX, he told me he would reply to me once the amount has been adjusted. I never heard back from him. Instead I received some harassment calls from XXXX to request a payment. I had blocked the number. I also received a mail from the debt collection. Please read below the emails between me and the manager Your account is closed XXXX XXXX. No additional fees are going to be added. Please be patient as we fix your ledger. We had to put a ticket in to resolve the issue. You will be notified once your ledger is corrected. 

Get XXXX XXXX XXXX From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Good morning As of this morning, I have not seen any update on it yet. Today is the last day to avoid any fee. I can't afford any more fees. 
Thank you From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : Re : XXXX Hello XXXX XXXX, We are working on adjusting your ledger. I will email you back once it's completed. 
From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX Subject : XXXX Good afternoon I attempted to get in touch with you over the phone when I called the first week of XXXX. However, I was transferred to a lady I think it was XXXX if not mistaken. I know according to my note my last day was going to be on XX/XX/XXXX. I spoke to a lady that week and told me I could come in Friday XX/XX/XXXX. It was raining I could not come. I came in that Saturday. After clarification, the ladies allowed me to go in. I went in I saw a bill for over {$1200.00} attached to my apartment on the inside and it was an eviction notice. I had already moved out that weekend prior. One of the main reasons I could not stay in that address is because I have some stalkers for the well being of my daughter and I had to. I am willing to pay my balance and you can keep my deposit if you have to. I need the balance to reflect my last day of moving out please. If possible, is there a way you can take one of the late fees? My income has not changed and I would appreciate everything.

Thank you
Consumer complaint received 2023-09-28
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)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fundo LLC (GA)

- On XX/XX/XXXXXXXX  I applied online for a XXXX for {$1400.00} - on XX/XX/XXXX, an amount of {$1100.00} was credited to my personal checking account from FUNDO LLC ( Financial Institution ). 

- XX/XX/XXXXXXXX  I requested a reconciliation to have my payments lowered due to financial hardship. 
XXXXXXXX  Fundo Representative ( XXXX XXXX ) emailed me indicating that they could not approve my request and that contractually they are able to collect up to 22.31 % and increase my monthly payments to {$250.00} a week. 
XXXXXXXX  I reviewed my rights as a consumer and detected Fraud by Fundo. I invoked a right to rescind my contract, revoked FUNDO access to my bank and returned all payments made. {$800.00}. 
XXXXXXXX  Fundo illegally filed a UCC lien XXXX XXXX XXXX XXXX XXXX Clerk of Superior court for {$6500.00} XXXXXXXX  I requested validation of debt, signed invoice, copy of agreement binding both parties, evidence there exist a business titled " XXXX XXXX '' per their claim, and my original application XXXXXXXX  second attempt to request information XXXXXXXX  FUNDO LLC sent me my agreement and partial application XXXX which indicates a loan was disbursed ) XXXXXXXX  I invoked my right to access, request was ignored. 
XXXX I informed FUNDO ( XXXX ) that I have evidence a loan was disbursed XXXX XXXX denies and claims it was a technical issue XXXXXXXX  i infomred fundo that i am aware that XXXX XXXX, director and lawyer for Fundo has been sued by the CFPB, and US attorney office general for debt relief scams. Please reference " XXXX XXXX XXXX and XXXX XXXX XXXX ''. XXXX has also been investigated by the DOJ. 

- XX/XX/XXXX. I had a 13 minute conversation with Fundo Paralegal and COO, XXXX XXXX in which she proposed a reduction in balance from XXXX to XXXX and the debt will be cleared. 
XXXXXXXX  XXXX sent a follow up email pertaining to our conversation and will follow up prior to XX/XX/XXXX with a decision on my behalf. 
XXXXXXXX  I requested my right to access ( no response ) XXXX I requested my right to access ( n response ) XXXXXXXX  Filed complaint with US government accountability office
Consumer complaint received 2023-07-24
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. (FL)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-09-05
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom it may concern, I am writing to formally request that you block the fraudulent information on my credit report in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and certain information on my credit report was not initiated by me. 
The fraudulent accounts or items that I request to be blocked include : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Under FCRA Section 605B, I demand you block and stop this information from reporting within four business days after receiving this request and the necessary documentation. Please confirm in writing that the fraudulent information has been blocked and will no longer be reported. 
I appreciate your prompt attention to this matter. If you require any additional information, feel free to contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I found out my account has been suspended ( blocked ) when I was tried to make a purchase with my ATM card. I immediately called them and I was told by Citibank representative that, they can not provide me with no information I would have to wait for a letter which has a code that I will submit to them for verification. 

After a week from the suspension, I went to the Citibank branch and spoke directly with the representative who had open the account for me on XX/XX/XXXX. Her name is XXXX at the : XXXX XXXX XXXX XXXX , XXXX, VA XXXX location. XXXX called customer service and she was told the same thing which is to wait for the letter. 

Today is the XX/XX/XXXX and am yet to receive the letter. This is my only account and the same account all my bills comes out off. 

I have also exhausted all ways of borrowing funds to sustain. My cell phone was disconnected today due to not paying my bills and the rest of my bills including my mortgage payment is due this Friday. I need help and I do not know what to do.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (PA)

From XXXX XXXX : Between XX/XX/2023 and XX/XX/2023, a new account in collections was added to your report. The collection agency is MERCANTILE ADJUSTMENT BU. The original creditor was XXXX XXXX XXXX. 

I have no idea who " XXXX XXXX XXXX '' is, and have never had business with them. A XXXX search does not show any results for a company with that name. I tried to contact the collection agency, but was sent to voice mail or hung up on. This is not my debt and looks to be coming from some form of fraudulent shell company. Also, Mercantile never tried to contact me to resolve before filing with the credit burau.