davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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. (VA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OK)

Through a phone conversation today with NationStar ( XXXX/XXXX/2015 ) the representative was helping us with figuring out how to drop our PMI ; in which we met all the criteria ( particularly a perfect pay history ) except the XXXX equity ratio. In looking through our file, the representative brought it to our attention that we have been charged " corporate advances ''. When asked what those charges were for, she stated they were for " property inspections '' since they were unable to reach us. We have no record of them reaching out to us nor did we authorize a property inspection to be charged against our account especially when they should have no reason to believe the property is abandoned since they receive on time payment from us. The original loan is through XXXX XXXX XXXX.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (UT)

I had a deposit for XXXX. It was supposed to be deposited into my venmo account. The account number was XXXX digit off. The check was being deposited by XXXX XXXX XXXX. Venmo is saying they never got it and deposit was confirmed by XXXX. I Provided Venmo with the wrong, right, and tracing number to locate the funds. XXXX will not recall it or send paper check until venmo send it back. Venmo never received it. I spoke with an attorney due to the irs saying If I can't get the funds I need to go to court. He advised me to reach out to both companies again. I contacted XXXX again on XX/XX/year> they keep providing me with different information like XXXX XXXX, XXXX, and different banks. I have emails from venmo. Staying they have gotten it and reach back or to XXXX.When trying to get a written response from XXXX they blocked me. Sherly id # XXXX stated that they will get back to me with the written response in 72 hours and they just blocked me in 72 hours. I'm not getting anywhere with either companies and I'm trying to avoid court if necessary. Please, if you could help me I would greatly appreciate it. Thank you do much for your time.
Consumer complaint received 2024-07-07
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. (ND)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-09-05
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (MN)

I made a purchase of a computer for {$1300.00}, but the charge was initially flagged and denied by the credit card company. They instructed me to verify the transaction and then reprocess it from the merchant 's side. I confirmed that the transaction was legitimate and reprocessed it, resulting in a successful payment. However, a duplicate charge for the same amount appeared on my credit card account. I disputed this duplicate charge twice, but both disputes were rejected by the credit card company. The credit card maintains that two computers of the same kind were delivered, which is completely false and invalid.
Consumer complaint received 2024-07-07
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. (NV)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-31
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: JPMORGAN CHASE & CO. (NY)

Through XX/XX/XXXX through XX/XX/XXXX are a handful or credit reports I never personally authorized to check my store or to know what my financial status is at that current moment. Anyone online can get information and try fraud under the radar unless you keep up on things.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I pulled my credit report and noticed these 2 accounts are being furnished by the wrong creditor. Both these accounts were Sold. please remove from my credit report FURNISHER : XXXX XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report. 




FURNISHER : XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. 
and I am Seeking Help From the CFPB to DELETE all unauthorized Accounts. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (DE)

Here 's a draft for your complaint letter : -- - ** [ Your Name ] ** [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] **Date : ** [ Insert Date ] **Customer Service Department** U.S. Bank [ Bank Address ] [ City, State, ZIP Code ] **Subject : ** Request for Overlimit Fee Waiver - Account Ending in XXXX Dear U.S. Bank Customer Service XXXX I am writing to express my concern regarding an overlimit fee of {$40.00} that was recently charged to my account ( XXXX ). The fee was assessed due to a refund issued byXX/XX/XXXX which I believe should not have resulted in an overlimit situation. 

I have always maintained my account responsibly and find this fee to be both unexpected and unwarranted. Additionally, I previously requested to speak with a supervisor about this matter but have yet to receive any follow-up. 

Given the circumstances, I kindly request that this overlimit fee be waived. I believe this is a fair resolution given that the overlimit situation was triggered by a refund rather than any new charges on my part. 

Please review my account and consider my request for the waiver. I would appreciate a prompt resolution to this matter. You can reach me at [ Your Phone Number ] or [ Your Email Address ] should you need any further information. 

Thank you for your attention to this issue. I look forward to your swift response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

In accordance with the fair credit reporting act. This creator XXXX XXXX  has violated my rights under 15 usc1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agent can not furnish a account without my written instructions under 15 usc166b a creditor can not treat a payment on a credit card account under a open and consumer plan act. As late for any purpose can you help wit that
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by silkionpor.com which involved me making deposits for a total amount of XXXX USD from my USAA account to fraudulent investment firm ( s )
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lincoln Educational Services Corporation (NY)

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 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 Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ).

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : XXXX. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation. 
XXXX. Notify the furnisher of the information that the data has been modified or deleted from the consumers file. 

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Consumer complaint received 2023-07-07
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I was a victim of fraud on XX/XX/XXXX I went into the bank on Monday XX/XX/XXXX XXXX when I noticed the people attempted to have charges reversed in an attempt to retrieve more funds. The local bank advised to open new account and they would immediately roll my Social Security direct deposit check into the new account as well as my life insurance policy ach and XXXX XXXX ach payments today I was advised after over 20 yrs with Chase Bank they are closing my account and will issue a check for the remainder of any funds in my account as its my fault I was a victim. My account is frozen/restricted
Consumer complaint received 2023-07-19
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. (TX)

This can't be happening!! This company must remove the as they need to validate this account! For the company to do what is fair and equitable to me as a consumer by updating and removing the late payment remarks on the items that I was never late in.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

hello i did not authrised theses transactionn police reprt # XXXX yes i left on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXetruned hom, e to XXXX tn on XX/XX/XXXX drunig this time a site that i have used modo.us withdraweld over {$7000.00} from cheecking actt with my debit card all so the bank aloud my actt to be come over dranw buy {$2500.00} the bank says this is a spenind habit of mine with XXXX i do not disagree that i have not used XXXX  but not the dates XXXX XXXX bank has denied me any credits they will be reopen case but could take more thank 30days allso there risk mgt called me and they closed my actt with them i belive the bank should of cut these chages off some were i was in the XXXX XXXX XXXXXXXX and XXXX can not do bunnies there XXXX XXXX XXXXXXXX rest i askiing the bank to please give me credit bank fro all charges to modo.us from XXXX XXXX i did not authrised them i any to post a recpit of were i travl i pad for tickets bank fith third bank Mon, XX/XX/XXXX XXXX - XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mon XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2024-07-07
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. (IL)

There is a fraudulent XXXX XXXX account on my credit reports opened in XXXX, 2020. It has approximately {$7000.00} balance on it that is negatively impacting my credit. This account does not belong to me and should be deleted.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I have been receiving unwanted calls from ( XXXX ) XXXX. I found that they are debt collection company and I do not have any outstanding debts. I have told them not to contact me and they have continued to do so. I am an attorney and I will not hesitate to escalate the situation if they do not continue trying to collect the debt that I do not owe. Any provided proof of debt would be inherently fraudulent
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In XXXX of XXXX  my XXXX secured credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On transunion it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on XXXX its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/year>, but also that I missed XXXX payment and shows no other payment history at all.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

I made a payment to my account using my personal savings account for {$3000.00} on XXXX XXXX XXXX, I attempted to use my card to purchase food on an online app & was met with a decline. I checked my available credit, and it showed {$0.00}. I found this odd as I have a limit of {$5500.00}, and the amount owed on the card was {$4300.00}. I was told there were circumstances on my account ( new account & large payment ), and my {$3000.00} payment was placed on hold. I was upset at the situation and escalated as this has now put me in a bind due to the money already leaving my external bank & now it's not available for use, but also the circumstances in which they placed the funds on hold after I've already made the payment. I made an additional payment of {$100.00} from a known and trusted account ( an account used to make multiple payments before ) to ensure an installment payment I had processed would go through, but the money is now unavailable. I contacted Goldman Sachs for the Apple Card and was advised that the {$100.00} payment was processed and should show available. I made them aware it has not & needs to be available for the payment that will be processed on XX/XX/2024. My call was escalated to XXXX, a manager within the call center & I was informed that while I had a balance of {$1200.00}, & while my payments of {$3100.00} were accepted and {$3000.00} of that is on hold, I do not have enough funds on my card. I was taken aback as just yesterday, I had an amount available & if we calculate the above numbers, I should have available {$1100.00}. I have now been informed that the balance for the installment plan for XXXX XXXX XXXX is also being considered in the balance & that's why my account is showing {$0.00} available. It has never been considered part of my balance before & I'm currently on my XXXX installment plan payment. Due to this, the payment for the installment plan I was told is part of the balance is now going to decline & I have no recourse for the issue.
Consumer complaint received 2024-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I was scammed Into paying a bill through cash app, two payments of XXXX, upon the second 1 the number changed. I told cash app because they advertise that they'll protect you and just open up a claim. I opened a claim, two, they did nothing not even declined just left in limbo.
Consumer complaint received 2024-07-31
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/year>, I found out that Wells Fargo closed my Active Cash Credit Card with no notice. On that XX/XX/year>, I called Wells Fargo asking why it was closed, and they said that I would receive a letter in the mail explaining why it was closed. It has been nearly one month since it was closed, and I still have not received a letter. The card was closed for no reason, all of my credit card payments are on time and I have never missed a payment with Wells Fargo.
Consumer complaint received 2024-08-04
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX