davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Transunion LLC XXXX XXXX XXXX XXXX, PA XXXX Date XX/XX/XXXX To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Consumer complaint received 2022-10-26
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. (AL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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 XXXXXXXX Balanceed Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-23
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. (OH)

my credit was pulled to many times for a car loan at XXXX they cant do that more than once with out my permission 15 u.s.c 1681 section 602 A.states i have the right to privacy also credit karma wants me to pay them money ive never spent other than my own 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shall not furnish any imformation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the imformation is inaccurate
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Bank put a fraud hold on my account and closed it out without ever explaining the reason why. I called in to the bank to find out and they were really not helpful. Two checks were trying to clear my account that I had the cash to deposit to cover them, but because of the hold I couldnt deposit in ATM over the weekend. I followed up on Monday in branch and hold was never removed so I opted not to make the cash deposit and pay the person in cash instead. The bank never followed up until two weeks later ( never removing the hold ) and cut a check and mailed it to me. They also reported this to XXXX XXXX  Unfortunately this is now inhibiting my ability to open an account elsewhere.
Consumer complaint received 2019-11-13
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT,  CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

FCRA 605B, I believe, necessitates the elimination of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed contain inaccuracies regarding reporting, including inaccurate amounts and dates.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (AL)

The debt collection company claims that just because XXXX sent statements that constitutedba legitimate claim against me. This is not a true statement. I dispute the bill no matter how many times they sent it. I also take issue with CFPB closing this case early. CFPB claims i had until XX/XX/23 before this would be closed yet CFPB closed this case before XX/XX/23.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: eMoneyUSA Holdings, LLC (TX)

I received a loan offer by text from Emoney USA on XX/XX/year> after searching for online payday loans and filling out a form with my personal information. After responding to this they texted me to verify my personal information including my mailing address, place of employment, my checking account number which they already had on file and I confirmed it was correct. I also gave them my debit card number. I also was transparent with them about my overdrawn bank account and financial issues. They offered me a loan of {$600.00} without a credit check. They warned me to make sure I had funds in my account for my scheduled payment on XX/XX/XXXX otherwise I would be reported to a collections agency. I was desperate so I agreed to this. They deposited {$600.00} to my account the next day, no problem. I should also add that when I looked into this deposit to my bank account that it was listed as foreign currency. Anyway, I made sure to have enough money on my scheduled payment day to make sure there wouldnt be any issues as I was so grateful to have gotten this loan which really helped me to get out of a financial bind. They never withdrew money from my account and there was no indication of an attempted charge. Then, on XX/XX/XXXX I received a notice that my payment was returned because they were unable to locate my bank account number and that I would be moved to collections if I didnt update my information within 24 hours. Their website is set up so that I cant even log in. I expressed my confusion as to how they were able to deposit funds to my checking account, which I will say again WAS the correct number, and they attempted to argue that it was deposited to my debit card not my checking account which is total XXXX. and also, again it was the right information. They continually attempt to gaslight me about this and they are currently threatening to move me to collections this Friday XX/XX/XXXX. I told them that I am not sending out any more information over text, I sent them all of my personal information and now I am terrified that I have fallen prey to a scam. These people need to be put out of business.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc. (DC)

I was trying to get my money back sent to my cash app account from some items I didn't need or want anymore so I called this number XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I could receive my money back in return so she had me XXXX purchase 2 XXXX money cards from the XXXX here on XXXX XXXX XXXX XXXX DC XXXX the says $ XXXX {$200.00} dollars can be added on the card so I've used my cash app card and got nothing in return so she said that {$350.00} dollars would added to one card and the other of {$300.00} dollars so I borrowed {$200.00} dollars from my XXXX XXXX XXXX so he used his personal card to send me the money on my cash app account to get the other car now I'm out of {$650.00} dollars behind the fact of me thinking I'm getting my money in return nit knowing it was a scam so I could XXXX company customer service and they gave me your number and information plus they said it was a scam now they are not trying to answer the phone
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company. 

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. 

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX
Consumer complaint received 2023-06-14
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. (NY)

My name is XXXX 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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is reporting an allege account XXXX XXXX XXXX XXXX incorrectly. This account was not opened by me and I have previously submitted proof that I did not open this account and have since filed a lawsuit against XXXX XXXX for allowing the account to be opened. Do not add an identity theft alert to my report just remove the account from my consumer report or TransUnion will also be sued for violating my rights.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is reporting th account listed as XXXX XXXX XXXX/ XXXX  XXXX  # XXXX incorrectly there are several late payments on the account that is incorrect. TransUnion states they verified the information but that is incorrect. They do not have access to my financial records to prove that I was indeed late because this would be a violation of my privacy rights. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (DC)

I had lent some money to a friend in cash earlier this year. He paid me back on cashapp. On XX/XX/XXXX, without notice or any sort of contact, cashapp withdrew the XXXX dollars from my bank account, citing a dispute filed by the sender. They did that they aren't required to notify me, and could tell me no information about the dispute and that I had no way to fight it.
Consumer complaint received 2024-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Your organization has claimed that I owe a debt to your company, but I am unable to recall any outstanding payments or dues that I might owe to your organization. As per the Fair Debt Collection Practices Act, I request you to validate the debt and provide the required information to me before I proceed with any further payments. I will pay the amount under one condition if you can provide the following details : 1. Validation of the debt that is, the actual accounting. 2. the validation of a signed invoice 3. a copy of the contract binding both parties, myself, and your company, in a letter by certified mail so that there is an independent witness to it having been delivered. The accounts in question are as follows : XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, XXXX, XXXX. XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}, and XXXXXXXX XXXX XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}. I have already contacted other bureaus, and they have removed these accounts from their records after finding an error in the records. I am perplexed as to why your organization has verified them even though the other bureaus have removed them. I request you to delete these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2024-01-14
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 writing to you in accordance with the Fair Credit Reporting Act, specifically Section 609 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to verify accounts by physically verifying the original signed consumer contract. It has come to my attention that you have reported certain accounts on my credit report without providing verifiable proof of these accounts. This lack of verification has negatively impacted my ability to obtain credit.

As a result, I am formally requesting that you provide me with the verifiable proof of the following accounts listed below. According to the FCRA, unverified accounts must be removed from my credit report. If you are unable to provide me with the requested proof, I insist that you remove these accounts from my credit report immediately. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Account Type : Unsecured loan Verification Status : Unverified Account
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is reporting th account listed as XXXX XXXX XXXX/ XXXX  XXXX  # XXXX incorrectly there are several late payments on the account that is incorrect. TransUnion states they verified the information but that is incorrect. They do not have access to my financial records to prove that I was indeed late because this would be a violation of my privacy rights. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION (FL)

XX/XX/XXXX - Sent a request for a XXXX XXXX XXXX to complete XXXXXXXX XXXX XXXX XXXX XXXX XXXX  via certified mail XX/XX/XXXX - Follow up, no response XX/XX/XXXX - Complaint filed with Arizona Department of Insurance and Financial Institutions seeking oversight XX/XX/XXXX - Western Alliance Bank ( mortgage company ) says they will not provide the XXXX XXXX XXXX
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XX/XX/XXXX went to 5th3rd bank XXXX XXXX, spoke with XXXX bank manger about fraud alot with my accounts, she printed off papers where my new card was sent XXXX XXXX XXXX an old address and she stated sum was not activated but XXXX was activated ine card in XX/XX/XXXX and XX/XX/XXXX the XXXX card was reported stolen and replaced.i did not receive those cards and my home address XXXX XXXX XXXX XXXX XXXX.i spoke with XXXX 2 days later on the phone and she stated that she did not tell me the cards was activated.her story changed after i made a police report about identity theft with XXXX police deparment. case # for report XXXX on XXXX said XXXX had XXXX accounts and i should have only XXXX accs and my son has XXXX account. never had XXXX accounts and the latest cards activited was in XXXX and i was in the banking off when this info was reveiled.XXXX  Dishonest about the situations her story change 2 day later.i have banked the the bank since XXXX and have had the most fraud the this bank and no clear results.passwods changed and locked out my accounts on a regular basis .I had to have new bank card mailed to 5th3rd in XXXX to make sure i receiverd them.
Consumer complaint received 2024-07-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION (RI)

An email sent from Sallie Mae Bank provides evidence that the bank is using the name of the college in the email subject line in order to generate loans. The subject line of the email was " Assumption University 2024 Tuition Information. '' This is a clear violation of Reg. Z section 1026.48 ( a ) that clearly states co-branding is prohibited. If there is an endorsed lender arrangement, there is no statement that the creditors loans are not offered by the educational institution. 

Further, it is a violation of section 316.3 ( a ) of the CAN-SPAM Act. A reasonable recipient would not interpret the subject line to conclude that the email is a commercial advertisement. 

Further in the email, in order to apply for a Sallie Mae loan, it is stated that applicants must, " ... provide an unexpired government-issued photo ID. '' However, according to Reg. B, section 1002.5 ( b ), " A creditor shall not inquire about the race, color, religion, national origin, or sex of an applicant or any other person in connection with a credit transaction [ with limited exceptions ]. '' By requiring a photo ID, the bank is ascertaining the race and/or color and/or sex of all student loan applicants. This practice is openly discriminatory, potentially resulting in numerous fair lending violations. 

Finally, this Sallie Mae Bank email could easily be identified as a XXXX violation. Given the excessively high interest rates offered by Sallie Mae Bank in comparison to other student loan lenders, applicants are lured into applying with Sallie Mae Bank by using the school 's name in their marketing. The " Sallie Mae '' name alone mistakenly leads applicants into believing it is a government student loan with government benefits. 

As a private loan lender, Sallie Mae Bank should be cited for gross violations like this sent to people that applied for a scholarship on their website. This lure of uninformed consumers to their website for loans that they believe are endorsed by the school is a blatant violation of what Reg. Z, CAN-SPAM, Reg. B, and XXXX are all trying to prevent. 

I urge you to take action regarding this injustice. 

Concerned college parent, XXXX XXXX
Consumer complaint received 2023-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC ()

I'll try to make this brief as possible, covid impacted also exemployer broke DOT and FMCSA laws found guilty had to leave to protect my life and license, fell behind several months mortgage sold to a company called Shellpoint after having several serious issues and gathering info RED FLAGS popped up on laws suits on wrong billing improper information LIES committing criminal acts for personal greed, gain, and self interest like abusing religion to steal land and not pay taxes Thank you