davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MD)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. MY ONLY ADDRESS IS XXXX XXXX XXXX MD XXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 
I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION (WI)

Truist Bank has issued a new {$25000.00} Personal Line of Credit to my DECEASED husband ( he died in XXXX  ). The statement I received is in his name, says that it is on automatic payment ( XXXX  ), and was sent to my address in XXXX ( where he never lived ). There is currently a XXXX balance, but I am concerned that someone else opened this account. 

I called the bank, but they won't take any action on it because I am not him, and, in fact, claim that they can not find any information based on the statement I have in hand. He had accounts with a previous bank ( SunTrust ), which was bought and rebranded to Truist, but closed those accounts at least XXXX years ago. 

I am concerned that they are issuing new lines of credit in his name and that some kind of fraudulent activity is occurring.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX XXXX HI XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XXXX XXXX XXXX XXXX Account Balance : {$11000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-08
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. (MO)

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and correction. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX, MO, XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-12-04
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. (WI)

On XXXX I disputed an account reported by TransUnion under the public records for child support. 

I was informed on XXXX that the item was deleted from my credit report. 

Now I have discovered that the item has been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) you are required to notify me of the reinsertion in writing within 5 Business days. 

I received no such notification. This is a very serious violation of the FCRA. I will pursue legal action if not removed. 

I hearby demand that TransUnion immediately delete the item from my credit report in order to avoid legal action.
Consumer complaint received 2024-06-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (KY)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX XXXX XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX XXXX XXXX. Based upon the understanding that www.coinbase.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information about the ISSUE Other service problem HAVE YOU ALREADY TRIED TO FIXTHIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATIONFROM THE COMPANY? 
Yes WHAT INFORMATION DID YOUREQUEST? 
Information they should have collectedaccording to the travel rule requirement ( information about the entity hosting thebeneficiary wallet ( s ) and/or informationabout the beneficiary wallet ( s ) holder ( s ) ) DID THE COMPANY PROVIDE THISINFORMATION? 
No Edit this section Edit this section What would be a fair resolution to this issue? Coinbase should either disclose the requested information about my outgoing transactions, or Coinbase should be seen liable for the damages that occurred to me and should pay me feasible compensation. See the attached letter of demand to Coinbase for further details. 
1 attachment View uploaded documents by clicking on the file name. Documents that pass virusscanning are typically available within 2 minutes of upload. 
VASPs hosting the beneficiary wallets. In my opinion, such behavior from www.coinbase.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

At XXXX XXXX XXXX, I called Capital One customer service as listed on https : //www.capitalone.comXXXXXXXX XXXX XXXX XXXX to inquire about why my account showed an interest rate of 30.74 % instead of the promotional 0 % offered to me when I applied for the credit card ; I also offered the sign-up spending bonus of {$200.00} after spending a minimum of {$500.00} within the first 3 months of opening an account. 

I was then told by customer service that neither promotion was applied to my account, with no specific reason given. The terms on the website state that the promotional credit is offered when clicking Apply Now through the website, which I did. 

This promotion directly influenced my decision to apply and use this credit card, so not receiving it as promised is problematic.
Consumer complaint received 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One I'm currently incarcerated within the Florida Department of Corrections. I've been under their custody and control since XX/XX/XXXX XXXX I'm a victim of identity theft. Capital One accounts ending in XXXX, XXXX, XXXX and XXXX were established utilizing my personal identifiers without my consent or authorization. I did not process any application, enter into any agreement with capital one or authorization anyone else to do so. Capital One also took approx {$3500.00} from my personal checking account without my authorization. as a remedy I seek : 1. ) Reimbursement of all funds taken from my XXXX XXXX Account 2. ) All of the Capital One Accounts and Inquiries removed from my credit report promptly 3. ) All negative information regarding my personal information is removed from Capital One 's systems.

I can be reached at : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX
Consumer complaint received 2024-06-17
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. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2022-10-25
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. (GA)

I sent the credit reporting agencies letters notifying them that they are in Violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations and Violation of 15 USC 1666b. This is a billing error. I always paid as agreed on time. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and help.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

They could authenticate me with my real address because they have an address supposedly thats mine will not let you talk to someone in USA and a supervisor is never around said they called and couldnt leave a message which is a lie they have XXXX XXXX XXXX XXXX  as and address which I have a state issue Id that says otherwise
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

The 3 Credit reporting companies XXXX experian and XXXX. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While XXXXredit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.
Consumer complaint received 2023-08-29
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. (CA)

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX and Transunion other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.

15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Consumer complaint received 2023-11-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc. (MS)

Recruited to work full time with benefits for XXXX  Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX office. Eight months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through RFGI, and that means that I was actually not paid at all for any of the full time eight month work that I performed.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The 3 Credit reporting companies XXXX XXXX  and transunion. CONTINUE and FAIL TO NOT PROTECT CONSUMERS. as consumers we must PROVE that incorrect/ erroneous items are so. While Credit Furnishers or debt Collectors. DO NOT HAVE any type of burden to prove that the negative information they provide is Correct. Suggest that ALL credit furnishers and debt collectors MUST Prove that ANY negative information they provide MUST Include proof.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts, late closed and charge off account. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction or removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution for a correction or a deletion : Kindly correct or remove these accounts : 1. XXXX XXXX XXXX Balance : {$470.00} - Please checked the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

2. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

3. XXXX XXXX XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

4. XXXX XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.