davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
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. (FL)

In accordance with the Fair Credit reporting Act ( XXXX 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. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting
Consumer complaint received 2021-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

While reviewing my PayPal account online I noticed I was charged a late fee, even after making my payment on the due date. I reached out to synchrony who then advised me that even though I have a due date of the XXXX of each month you have to pay your payment a couple days before your due date in order not to receive the late fee. The agent XXXX and supervisor XXXX both told me there is nothing they can do regarding the late fee. I asked when will this report to my credit and after not answering my direct question several time the supervisor told me that my balance will be reported on XX/XX/XXXX which it will affect my credit because the late fee is making my account go over the credit limit. This is not fair!!
Consumer complaint received 2021-02-12
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. (WA)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from XXXX XXXXXXXX XXXX to XXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXX XXXX. 

The XXXX XXXX  automated phone system is also incorrectly reporting me due for theXX/XX/2020payment which is also incorrect. 

Prior to the this reporting by XXXX XXXX, I have never had a late payment on any mortgage loan.
Consumer complaint received 2023-05-22
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am writing to address the ongoing issue regarding the inaccuracies present in the consumer report furnished by XXXX XXXX on my behalf. The purpose of this letter is to formally request that all communications from your organization cease immediately, unless you are willing to compensate me for the violations committed. 

It has come to my attention that XXXX XXXX has been reporting inaccurate information on my consumer report, which has had a detrimental effect on my financial well-being. These inaccuracies have caused significant financial losses and have hindered my ability to engage in various financial transactions. 

I hereby demand that XXXX XXXX rectify the inaccuracies in the consumer report promptly. Furthermore, I insist that your organization ceases all communications with me, unless you are prepared to compensate me for the violations committed. This compensation should reflect the damages caused by the inaccuracies in the report and the subsequent negative impact on my livelihood. 

Please consider this letter as a formal notice to cease and desist all communications regarding the inaccurate consumer report. Failure to comply with this request will result in further legal action to protect my rights and seek appropriate remedies. 

I anticipate your immediate attention to this matter and a prompt resolution. Please confirm your receipt of this letter within 10 days. Any future communication from XXXX XXXX should be in writing and strictly limited to the resolution of this issue. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

Subject : Unauthorized Third-Party Communication and Cease and Desist Notice Dear Sir/Madam, I am writing to address the unauthorized third-party communication I have been receiving from LVNV Funding regarding an alleged debt originating from 12 XXXX  XXXX XXXX  XXXX. It has come to my attention that LVNV Funding is in possession of my personal information without my consent or authorization. I demand that all communication from your organization cease immediately, unless you are contacting me to discuss a remedy for the violations committed. 

I want to make it clear that LVNV Funding, as an unauthorized third party, has no lawful right to possess or disseminate my personal information. I have not provided any consent for your organization to access or utilize my personal data in any way. This unauthorized acquisition and use of my information violate my privacy rights and potentially expose me to unauthorized disclosure of sensitive information. 

Therefore, I demand that LVNV Funding immediately ceases all communication with me, including but not limited to phone calls, letters, and emails. Unless you are contacting me to discuss a resolution for the violations committed, any further communication will be considered a violation of my rights under federal and state laws. 

Additionally, I require LVNV Funding to provide written confirmation that you will no longer engage in any communication or attempt to collect any alleged debt from me. Failure to comply with this cease and desist notice will result in legal action to protect my rights and seek appropriate remedies. 

Should you wish to contact me to discuss a remedy for the violations committed, please ensure that such communication is in writing. Any future communication from LVNV Funding must be strictly limited to resolving this matter, and should not be used to harass, intimidate, or attempt to collect any debt. 

I expect your prompt attention to this matter and an immediate cessation of all unauthorized communication. Please acknowledge receipt of this letter within 10 days. Any failure to comply with this notice will leave me with no choice but to pursue all available legal remedies to protect my rights and seek appropriate compensation for the violations committed. 

Thank you for your understanding and cooperation.
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To whom this may concern, Bank of America ( BOFA ). I have an EDD account with this bank. This is the second time my account has been compromised because I have this account. Thanks BOFA for protecting your members. On XX/XX/XXXX, I send the California EDD an email about a reduction of my payment because on XX/XX/XXXX, I was only able to withdraw {$440.00} from the ATM out of {$450.00} that was there. I was expecting to see {$900.00} like weeks before, so I sent EDD another email on XX/XX/XXXX because they had not responded to my email sent on XX/XX/XXXX. On XX/XX/XXXX, they finally respond to my email and suggest I contact BOFA directly because their system shows {$450.00} paid out to me on XX/XX/XXXX which was late and {$900.00} on XX/XX/XXXX. 
I contacted BOFA on XX/XX/XXXX to find out what happened to my money and they tell me that ATM withdraws were made on XX/XX/XXXX for {$450.00}. I thought weird because the ATM withdraws in only 20 and 100 bill increments, otherwise the week before I would have withdrew {$450.00} also and not {$440.00} when expecting to see {$900.00}. I suspected the EDD was messed up like they have been in the past. In the same conversation I tell them it was not me or anyone in the world I know so they send me to the claims department. Wonderful. The person tells me to fax over a copy of my ID with my claim # XXXX. I do it that same day. Two days later I call BOFA claims and they tell me my claim was denied because either me or someone I allowed withdrew that money. Really BOFA, your accusing me of committing fraud against your bank. How dare you treat your customers like common crooks. What a disgrace to have America in your name and act like a bank for crooks, even your BOFA representative said that is is a common crime and my type of EDD card gets targeted all the time. Let me see your statistics of these crimes at your bank and most importantly, what the freak are you doing about it BOFA! Accuse me, send in the FBI then and sue me first so I can make some money on your bank. BOFA has the proof and video surveillance of this crime. I filed a XXXX XXXX Police report # XXXX XXXX with XXXX # XXXX on XX/XX/XXXX because the BOFA failed to mention this to me when I faxed over my info to the claims department. Now more time has been was wasted.
Consumer complaint received 2023-05-22
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. ()

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State Zip : XXXX, Il XXXX Email Address : XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Cloarly states that 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.

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. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Crodit Reporting Act.
Consumer complaint received 2023-05-22
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any items in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NY)

I have a direct deposit with XXXX to pay my rent monthly, but since XX/XX/2023, I noticed that I've been charged by Wells Fargo Home Banking on my XXXX account. I contacted XXXX several times about been charged twice for my rent. XXXX told me that I was not have to pay the next month, but again I was charged twice on my account on XXXX, XXXX and XXXX.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (AL)

Back in XX/XX/2020 I contacted the bank known as BBT due to my account having funds stolen from them or someone having access to my account without permission, they advised me to change my password and my username, I did as instructed! During the following 2 years after, I kept expressing concerns about my account to them, they continued to cancel cards and issues new ones never suggesting closing down my account and opening a new one, due to them never checking into these issues, I was evicted from my homes 2 times and also filed XXXX  2 times which has caused me so much stress and emotional Turmoil and embarrassment and is unacceptable!
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-27
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. (MI)

My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Consumer complaint received 2023-03-18
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. (CA)

On XXXX XXXX  The Credit bureaus stated Account Name : XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXXAccount Name : XXXX  XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, 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. (NV)

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-05-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (LA)

XXXX XXXX came to my door XX/XX/XXXX I told the agent I was not interested but he insisted I listen to what he had to say and ask questions about my entergy bill and personal questions I did not intend to buy any products well a few days go buy I received an email that someone had signed documents other than myself and I had a loan through goodleap llc I wrote letters within 3 businesses days stating that I did not make this loan and want it terminated I was told that it's not possible to terminate the loan I left town for a couple of months and come home I have solar panels in my backyard nobody was home to even grant access now in XX/XX/XXXX I have a delinquent account posted on my credit report and my score dropped over 100 points and the solar panel system is completely unusable and not fully installed I have made several attempts to call XXXX XXXX but the company has filed bankruptcy.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (KY)

had filed a dispute on the reporting of first progress account # XXXX stating that the dates were inaccurate. I feel they didn't do a proper investigation because they have the open date as XX/XX/XXXX and said that was verified how is that possible when I have the date showing XX/XX/2018. This is causing me stress because it just seems like their process is hopeless