davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (GA)

I recently reviewed my updated personal credit report and noticed that unauthorized credit inquiries remain. It seems my credit has been compromised under your watch. Despite submitting FTC report # XXXX, these inquiries have not been removed. I previously contacted the companies listed below, requesting them to remove these unauthorized inquiries from their records and all credit reporting agencies. They assured me they would comply. Each company received a certified letter indicating the inquiries were unauthorized, and I asked for their removal. I am requesting immediate deletion of the unauthorized inquiries listed below. The purpose of this complaint is to address several unauthorized hard credit inquiries on my credit report. There are still FOUR ( 4 ) unauthorized inquiries listed. Enclosed is my new FTC report for your reference, number XXXX. I am disappointed by your lack of action. When will the XXXX and XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries. Also, I am requesting the TransUnion to please remove these inaccurate addresses from my credit report as well : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a notification that if these inquiries are not removed from my reports, I will be filing a lawsuit. My attorney is aware of my intentions and is ready to hold you accountable for noncompliance. This is the XXXX 's and XXXX 's FINAL NOTICE. Please remove the inquiries resulting from erroneous credit reporting. Thank you for addressing this matter promptly.
Consumer complaint received 2024-06-03
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)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-06-03
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. (CT)

In accordance with the Fair Credit Reporting act. This account below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681b permissible purposes of consumer reports : 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. This has violated my rights under the FCRA. 15 U.S. Code 1681a ( 2 ) ( a ) ( I ) states that the consumer report does not include information solely as to transactions or experiences ( such as payment history, charge off status ), between the consumer and the person making the report ;. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that company does not have the authority furnish any of my private information relating a consumer to any consumer reporting agencies- XXXX, TRANSUNION XXXX and XXXX. In each creditors terms and conditions, they all agreed not to share my information with non-affiliates. XXXX, XXXX and TRANSUNION are not an affiliate. In pursuant to 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) Duty of Furnishers of Information ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. According to my XXXX, XXXX, and TRANSUNION report, this debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness as a 1099-C is filed. I kindly request assistance in reviewing the charged off amount associated with the original creditors XXXX XXXX XXXX and also request that an inquiry be made to the third-party debt collector, for actual verification and validation affirming that they have a contract with me bearing my signature. Lastly, Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX written, non-written, verbal, and non-verbal per 15 USC 6802.
Consumer complaint received 2024-06-03
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was a victim of Identity theft and I believe someone applied for credit cards from XXXX XXXX and XXXX XXXX using my information and SSN. I want these inquiries to be removed, and any transactions on my credit report made on XX/XX/XXXX to be disputed since I was not responsible for any of them. They also got a hold of my credit card and bank documents from XXXX which I believe allowed them to get my details and SSN somehow.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I had deposited my amended tax return check that was over XXXX. I understand that there needed to be a hold on it, thats fine. Then, they froze my account. I went through multiple phone calls, multiple people, had to go to the branch multiple times. I finally got that fixed. They tell me that my check would not be released until today. Still is not released. This is ridiculous. This is what is keeping me from being homeless. I will try to call AGAIN, go to the bank, AGAIN. I have never had an account frozen or anything before because of a treasury check, yet alone have I ever had a bank withhold funds like this.
Consumer complaint received 2024-07-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a 5 month CD with Truist Bank. The Bank informed me in a letter that the CD matured and that I had 10 days to renew. I failed to renew the CD and so the Truist Bank renewed my CD for another 5 months at .01 % interest ( XXXX XXXX XXXX XXXX XXXX XXXX interest  ). I went to the bank to take the money from the CD The bank would not do this unless I paid a {$25.00} penalty for early withdrawal of the CD. 
I met with the Bank Manager XXXX XXXX, Truist Bank Branch located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
I advised XXXX XXXX that I did not think it was fair for the Bank to renew my CD for 5 Months at the ridiculous rate of .01 % without my permission. Furthermore, I did not think it was fair that I be charged {$25.00} penalty for my to get my CD money. 
The manager said that he would not waive the {$25.00} unless I opened another CD with these funds at his bank, and I told him I did not want to do that. 
I paid {$25.00} penalty to get my CD funds. 
The same thing happened a couple of days later with another CD that I had at this Bank and I was forced to pay another {$25.00} penalty. 
I do not think that any Bank Customer/Consumer should be treated this way. I don't think that the bank should be able to tie my money up at .01 % for 5 months without my permission.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

In XXXX, XXXX, a " non-traditional '' payment was made to the credit card company involved, sufficient to almost pay the balance in full, and keep the account open. However, when these companies " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. These companies have stated that they do not/ can not /will not " accept this payment, but have cited no relevant federal or state law to support their contentions and actions. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the companies involved, as " dead '', corporate entities, do not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MI)

I was encouraged to sign up for a 0 % credit card from a jewelry store. They promoted 0 % interest and I could choose the payback period. They didn't say one thing about deferred interest fees or that the minimum payment was not adequate to cover the promotional purchase. I thought my monthly payments were being allocated accordingly and that I would not incur any interest fees whatsoever. I put the payments on auto-pay and enrolled in the e-statements. Each month I would receive an email alerting me to the statement and that the payment would be going through. The email does not mention any expiring promotional purchases periods, or deferred interest fees so I had NO IDEA that was a possibility. Further when I called to inquire about the situation after noticing that my balance jumped up almost {$1000.00} - they told me that I would have to call in every month in order to specify the allocation of my payment towards each promotional purchase so that they are paid off in time. I made several purchases, so there would be different amounts with different deadlines, but there is no transparency about that on the statement or in the portal. They do not indicate how much is needed to pay to avoid the deferred interest. They do not specify how much the deferred interest will be. There terms are confusing and buried, to be honest I don't even know where to find them. Let alone the statements do not have transparency around what the promotional periods are and what the fees are if they are not paid off. This is so predatory. The sales staff was not equipped to sell this credit card, having never mentioned any of this at the point of purchase. I did not need to use a credit card and only used it because I was incentivized by the 0 % interest! Now I am paying almost {$1000.00} in fees which they tacked on to the balance due so the fees are gaining interest now as wel!!! This is disgusting.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (PA)

NOTE : This complaint is to re-address the issue ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX in which the respondent ( s ) did not properly address the questions and concerns raised, and in which certain presumptions and assumptions were made that were not previously addressed or rebutted. In XXXX, 2023, a " non-traditional '' payment was made to the credit card companies involved, sufficient to almost pay the balance in full, and keep the account open. However, when these companies " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. These companies have stated that they do not/ can not /will not " accept this payment, but have cited no relevant federal or state law to support their contentions and actions. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the companies involved, as " dead '', corporate entities, do not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I would to dispute the collections account for Account Card # Endimg in XXXX The Collections and account status is Disputed because their were unauthorized transactions on the account. 

The unauthorized transaction was a transaction With XXXX, Another Card was used to complete the transaction. XXXX cards were charged for the one transaction.

The Bank Statement of the Bank used to pay XXXX XXXX is attached. 

The same card was used to make the purchase from XXXX : Transaction XX/XX/23 XXXX Debit : Signature XXXX from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$45.00} The transaction with the XXXX XXXX  XXXX  is suspected denied for low balance and a second card the XXXX XXXX  was used. 

The card was lost and returned by the XXXX XXXX The transaction did not involve unpaid credit, the account status is incorrect, payments were on time exhibited on the Bank XXXX. 

The Collections were removed, the account was resolved previously. 

The account was resolved The Balance is incorrect, the balance is {$450.00}, more than the original amount credited to the Cardholder.
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I am in possession of a prepaid American Express gift card. It worked for several transactions, but suddenly will not work ANYWHERE, including THE SAME PLaCES THEY WERE PREVIOUSLY USED! This is insane. I have called customer service three times, they just assure me that there are funds on the card and it is ready to be used. I tried to use it several places online, no luck. This is craziness. I would really just like a check sent to me with the funds remaining. 

Apparently, this is well documented issue with MANY users all over the US. American Express should be ashamed of itself and should fix this issue forthwith.
Consumer complaint received 2024-08-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo committed Mortgage Fraud and was not discovered until 2022 by the US Government. Wells Fargo illegally added add ons to my mortgage account without my permission and consent causing my mortgage to go into foreclosure and repossession of property.
Consumer complaint received 2024-06-03
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
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: CITIBANK, N.A. (CA)

On XX/XX/year> received a promotional email from for a Citi AAdvantage card " 0 % intro APR for 14 months on balance transfers and purchases. '' " Balance transfers must be completed within 4 months of account opening. '' Filled out an Application for a Citi AAdvantage card and it was obtained on XXXX XXXX XXXX 
Citi AAdvantage balance transfer posted on XXXX XXXXXXXX XXXX 
1st Statement dated XX/XX/year> interest at 29.99 % Filed four written disputes with Citi over 3 months. 
I provided Citi with a copy of the Citi AAdvantage promotional offer. 
On XX/XX/year> received letter " We received your request to have a new account offer applied to your existing account. the offer is only available when opening a new accoun and can not be transferred to existing account. '' I called Citi and explain I was not trying to have an offer applied to an existing account I was demanding they honor the promotional offer they sent to me of 0 % interest for 14 months. Citi responded that I must not have applied correctly and there was nothing they could do.
Consumer complaint received 2023-12-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I got a American Express XXXX $ gift card for XXXX but everywhere I try to use it online the purchase is declined even though I have sufficient funds I called them to see what was the problem and got told that the merchant was declining it but I have tried to use it at multiple sites ( XXXX XXXX XXXX XXXX XXXX  ) I read online how this was common for the purchase to be declined everywhere and the card is basically a scam the only way to buy anything is to go to a physical store but that is not convenient for me and I would like to make my purchases online.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

In the ongoing saga ( now nearing 4 months ) of trying to get a refund of our escrow account balance in the amount of {$1400.00} so that we can pay our property taxes, once again Nationwide ( now known as Mr. Cooper ) has, without authorization, taken a full amount due of {$1700.00} for our mortgage payment in XXXX from our bank account, rather than the balance after this promised credit noted above which was authorized at {$220.00}. Since our last complaints this company has sent us a check for the owed amount which we deposited and then learned they later stopped payment on it without any notice to us ( which resulted in a fee to us by our bank and could have caused an overdraft in our account ), thereby taking back OUR money. That is what they did again on XX/XX/XXXX with an  unauthorized withdrawal. We have not approved an automatic monthly withdrawal by this bank, so we do n't know why they could take a different amount from us than that authorized in a phone call on XX/XX/XXXX. Every move made by them since our mortgage was sold to them appears to border on fraud. We have written letters, spent countless hours on the phone with multiple customer service people who provide no service. Our concern is that our property taxes are due XX/XX/XXXX and the money put aside is not at our disposal to pay them.