davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sent transunion a letter in XXXX asking clarification on an account and was never sent. They're reporting personal information. Something needs to be done before legal action is adviced.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc. (GA)

On XXXX 2022 my phone was lost and both my banking account and Cashapp were compromised. I filed all paperwork and was completely refunded all money from my XXXX XXXX account. I also reached out to Cashapp and out of 12 unauthorized transactions only 4 were returned to me. I spoke with several representatives and gave all information that was requested to dispute the unauthorized transactions for XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I have been trying to deal with them since XXXX 2022 when I was made aware of the unauthorized transactions. They have since closed the claim and refuse to return the reset of the unauthorized transactions. I have filed a report with the XXXX  they denied the claim. They will not address why they returned 4 of the 12 transactions. I have requested to speak with a manager several times and I have been denied. I feel like I'm reaching out and I'm wasting my time. I'm hoping to get some assistance because {$600.00} is a lot of money for someone to steal from you and you honestly get no assistance from Cashapp. My phone number is XXXX... My name is XXXX XXXX XXXX XXXX XXXX and my Cash tag is $ XXXX ... the address on my account is XXXX XXXX XXXX XXXX Georgia XXXX ..also the email with my Cashapp is XXXX these people will not speak to you and they will not give you assistance in getting your money back even after doing everything that they tell you that you must do. I'm completely lost and would appreciate any help or advice on getting my money returned to my account.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I want to counterlaw suit this company called Midland credit.com Company in XXXX FL. Don't provided people with the right tools instead threatened with lawsuit and I don't like this company at all their attitudes XXXX
Consumer complaint received 2022-06-24
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX, NJ Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/22 I was told by someone at Bank of America, that the check I needed to deposit was going to be available in 24 hours. So I proceeded to deposit my check in my account to cover the items that were going to come through in my account. After my check was deposited I received the notification that it would be 24 hours, to only find out my funds were not going to be available until XXXX XX/XX/22. I called BofA to see if upper management could handle the situation. No one there was willing to get on the phone to call the bank where my check came from. I was told that my items were going to go back with fees. The total of my check I deposit was {$7300.00}. I feel this is wrong and that humans are getting lazy, depending on a computer to decide when the funds are released. Please help me.
Consumer complaint received 2022-06-24
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. (AL)

In accordance with the fair credit reporting act XXXX accounts XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
please include accounts below also. 

XXXX  Account Name : XXXX Account # : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  Account Name XXXX XXXX CRED XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CO XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2022-06-24
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ERC (TX)

In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec 602 states, I have a right to privacy. Under 15 USC 1681 sec 604 section 2, states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-06-24
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. (CO)

Numerous Inquires to my Trans union credit report by this office on XX/XX/22. I tried calling back there number and the phone call will not go through. Thinking that this is a scam business.. Called Trans Union and my credit report has been frozen.The same company goes by 2 company names. I Place XXXX and Consumer Info. I have had numerous harassment phone calls from area code XXXX. I have reported this area code to FTC numerous times for calls. Information shown on credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX Phone number XXXX XXXX XXXX XXXX via I Place XXXX XXXX via Consumer info
Consumer complaint received 2022-06-24
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. (NJ)

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-24
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. (IL)

In accordance with the fair credit reporting act XXXX XXXX XXXX  Account ending in XXXX and XXXX has violated my rights 15 U.S.C 1681 SECTION 602 A STATES I HAVE RIGHTS 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 2022-10-28
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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 2022-10-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was XXXX  on XX/XX/2022 To XX/XX/2022. During that time I had unauthorized XXXX transfers happened from my account from my account. I couldn't have possibly made these transfers as I was incarcerated. I even showed proof that my cell phone was not booked in the jail with me as I as I left it in a hotel room and the people who stole my money obviously had it. During that time the people who have my phone drained all my credit cards and my banking account.Before and I drained my bank account no they looked up my user ID And reset my password. The people who stole my money Used my own phone as it was left in a hotel room when I was arrested.. After approving all this to the bank they still denied my claim. All these transactions from XX/XX/XXXX to XX/XX/XXXX were all unauthorized. They took all my money from my checking and savings account
Consumer complaint received 2022-10-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (KS)

We were approved for a Covid forbearance. At the end of the forbearance program we received acceptance from the Kansas assistance housing fund and a significant amount of funds were sent to XXXX and cleared. We are now a month later being told the funds can not be located and are now continued to be at risk of losing our home with zero resolution. Prime lendingXXXX XXXX has been absolutely awful in this process and now has lost tens of thousands of dollars that they can not locate even when being given specific check numbers, transaction numbers etc.
Consumer complaint received 2022-10-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-28
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. (GA)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXXXXXX XXXX Balance : {$0.00} ; 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.
Consumer complaint received 2022-10-28
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 of the erroneous information which is being posted to my report. 
Here are 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information 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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED ASAP By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX Account DATE : [ XX/XX/XXXX Reason : [ NEED HARD INQUIRY REMOVED FROM PROFILE PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AMERICAN HONDA FINANCE CORP (CA)

On XX/XX/XXXX, I received a Tradeline Reinstatement Request Approved Letter with the Retail Number : XXXX for a XXXX XXXX XXXX. It states that American Honda Finance Corporation will resume reporting my account to all three major credit bureaus in the next 30 days from the date on the letter. However, that has not been the case. It is now XX/XX/XXXX and I have not seen my account being reported to any of the bureaus when checking my credit scores.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

Good evening I XXXX XXXX has taken out a Complaint against Td bank. I am notifying the CFPB again to let them know that I went back to Td bank on XX/XX/XXXX and spoke with a rep. by the name of XXXX XXXX to see if Td bank came to a resolution on the disputes? She informed me that the manager of Td XXXX XXXX XXXX had put in a claim for {$5100.00}? Which was Denied And XXXX XXXX and XXXX XXXX XXXX put in a 2nd dispute for {$2500.00}? Which was also denied. They told me that I would be notified from the bank when the disputes were finished being investigated. I was never notified, I came in the bank to be told that the 1st dispute was denied because a PIN number was used, when I specifically told XXXX XXXX XXXX anything with a PIN number was me, she specifically told me that she put that in the notes, but she didnt, XXXX was very dishonest with me, she and XXXX was very dishonest leading me on to believe that both dispute claims was put in for {$23000.00} and they was very dishonest because the claims was only put in again for {$5100.00} and {$2500.00}? No where even near {$23000.00} and both of those claims was denied and Ive been to that bank at least 3 times a week since I found out and I was never ever notified from Td bank that the 2 claims was denied until I came to the bank to get the outcome to find out on XX/XX/XXXX the second claim was denied also for another inaccurate amount. XXXX XXXX told me that they were waiting on a response from Visa and XXXXXXXX XXXX and that if it was he he would hire a lawyer to scare XXXX XXXX because 9 out of 10 the company wasnt cooperating. I ask how if Td allowed some one to go in my account and steal XXXX out. XXXX had me to go back to the police station to file for forfeiture? Those two managers was very unprofessional, dishonest, and did not do the proper protocol of their job description. They have been perpetrating to give me back my full amount it has now been over a month I have been trying to get this very unprofessional matter resolved. I have made a formal complaint against XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX because both of these managers assured me that those claims was put in dispute for {$23000.00} and they was very dishonest because it was nottt!