davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
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. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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/year>
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns has violated my rights by calling more than the law allows per week. I have screenshots and call records of the excessive amount of times they try to contact me when my account is not even in collections. It can be a day or two late and theyre calling me multiple times in a day, back to back, and from several numbers trying to get me to answer. The law strictly says that collectors can not call more than 7 times per 7 day period, one call per day! 

The Fair Debt Collection Practices Act States Debt collectors are also prohibited from engaging in conduct that is intended to XXXX XXXX XXXX XXXX XXXX 

The amount of times they call is XXXX and I need them to stop calling me. My account is late, not in collections. I will pay when I pay. 

I should not even owe this debt to begin with. They added interest to this account that should never have been added and I wouldve been paid off by now if they hadnt done so. They refused to remove it and now Ive been paying this off and Im paying over double what the item was even worth! So Im not sorry if Im late on paying a debt I shouldnt even owe!
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-06-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (NC)

XXXXXXXX XXXX XXXX  unexpectedly closed a XXXX  CD ( {$150000.00} ) in the XXXX month. They sent a letter ( not email ) that they had closed this account. At the same time, they closed an XXXX XXXX ( {$10000.00} ) account. They can't/wo n't tell me where my funds are. They said they don't know when they will send the XXXX transfer OR when they will send a check ( s ). After the fifth phone call, they said the funds have been sent to " Unclaimed Property ''. We would appreciate 'legal ' and " official '' help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}
Consumer complaint received 2024-06-21
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am a state resident of Texas and received a prepaid gift card with {$25.00} on it. The packaging said no fee and such. Today, when I went to activate it, I was surprised it was {$0.00}, and they shared it was due to not registering the card ; when I try to register the card on their website, I keep getting an invalid card number. When I called in they advised me to keep trying as they can not help.
Consumer complaint received 2024-06-05
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. (FL)

On XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX i had payments not go through on XXXX XXXX application. The payment kept bouncing but the money was on the account. Eventfully all of them went through and i was able to pay. I worked with customer service and got it all worked out. But in reviewing my credit report it was never fixed.
Consumer complaint received 2023-09-27
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. (NC)

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

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 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CO)

I opened a new credit card with American Express. I have several credit cards and I ALWAYS set up my cards for auto pay of the full balance for each and every card. When I received my first bill from AMEX in XX/XX/year>, I went to their website. 
When I selected AUTO PAY, the choice was very confusing...... For the payment selection date, it says " Select the number of days after the closing date '' What in the world does that mean??

There was NO OPTION to pay on the due date. I was forced to GUESS the number of days after the closing date ... .which also had NO description or definition of the days after the closing date. As a result, I guessed incorrectly. I went in 2 days after the due date to make sure things had paid in full... they had not. I immediately called AMEX and made sure my ENTIRE balance was paid in full. I asked because of the very confusing directions on Auto pay to waive my {$29.00} late fee and my {$170.00} interest charge. She said she could waive the fee but NOT the {$170.00} interest charge. I paid off the entire balance 2 days after the due date, but was charged {$170.00}!!!

It is very apparent that these auto pay directions are designed to mislead the consumer and force us to guess the due date and calculate the due date. I have 4 other credit cards that are paid in full monthly and EACH ONE HAS an option to pay ON THE DUE DATE. It is apparent to me that this is AMEX 's way of tricking or confusing me into {$170.00} in unnecessary and unfair interest.

Please help me. Thank you very much.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$67.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$210.00}, XXXX XXXX XXXXXXXX Balance : {$72000.00}, XXXX XXXX XXXX Balance : {$61000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-05
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

In recent inquiries with USBank, I was denied the rights to have last name or operator ID number or even a reference or a claim number to follow up on my compliant. 

Also, you can't file a compliant in writing, nor you can call and file a complaint with their executive office. They are very talented in routing your call, without advance notice, back to the main XXXX XXXX number. I called on XX/XX/XXXX for info. regarding one of my monthly withdrawal, was very unhappy about what I heard and wanted to confirm info. I asked to speak with supervisor and was denied & as a result, asked to file a complaint and was told that my complaint was escalated to XXXX. XXXX REFUSED to provide me with hers or XXXX phone number, last names, operator ID or complaint reference ID. Regardless of the nature of the issue, a bank only provides verbal info. nothing in writing as they claimed. Also, their notes are written and viewed only by them, and the client is held liable for these notes even though he/she unable to validate or view them. On XX/XX/XXXX, I spoke with XXXX and XXXX who both rotated me to the main number ( check the calls ). I wasted more than 1.5 hrs to be heard. Online has created a one-way communication, they are in control of redirecting your call at any time without advance notice or justification for their action. They say what ever, do what ever, and the client pays the price. For example : once I said that I am filing a formal complaint with the gov. XXXX on from USbank decided to release Operator ID : XXXX after she claimed that she didn't have any.. Why the others refused to give any reference information. This bank customer services need to be investigated. A class action lawsuit is warranted. Help us.
Consumer complaint received 2024-06-25
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: Spring Oaks Capital, LLC (SC)

This company purchased my debt for original party I had a loan with them during XXXX and defaulted on said loan I was not afforded my rights under The CARES Act or made aware of such rights section 2202 a8. 2202 allows for an additional year for repayment if I was allotted this time, I would not have defaulted on said loan, I do not think it is lawful to sell of purchase this debt under these conditions.
Consumer complaint received 2024-07-14
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and 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 2024-06-05
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. (OH)

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX  {$560.00} XX/XX/XXXX XXXX  XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX ( Bank ) XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently disputed accounts on my credit report that is inaccurate and does not belong to me. The credit bureaus are reporting inaccurate information on my credit report. This company did not thoroughly investigate my dispute ; however, they sent a generated templet that had nothing to do with my complaint. I also requested supporting documents that helped with the resolution. As of today, I have not received any documents. My credit report/score has had a negative impact due to the lack of investigations from the credit bureaus. The inaccurate accounts I deputed is listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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. (NV)

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 XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XX/XX/XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year> I opened my personal checking account with the Bank of America Application on my phone and to my surprise the account balance of over {$7000.00} was on hold. It was too late to call so I called XXXX XXXX XXXX XXXX XXXX When I went on the Bank of America application again that day, I realized the whole account was gone, there were no traces of it anywhere. When I call their general consumer line, they could not locate such account anywhere in their system. It took over an hour and XXXX employees to locate the account. They then transferred me to Closure department which they had closed down my account and held funds to a check I had recently deposited stating it was flagged as stolen. I immediately called my employer and they contacted their bank to their surprise there was no notes nor was the check flagged in their system. After several calls back and forth, Bank of America will not answer XXXX XXXX XXXX  XXXX fraud department to receive the funds back to their account, since Bank of America told me they could not release the funds to me. I need this money to pay my bills and responsibilities. This is outrageous what they are doing to us consumers who have to survive paycheck to paycheck. Now they are saying that the account is not closed and can not send the funds to XXXX XXXX XXXX until the account is closed of which they can take 30 days to do so! How is this legal?? To have the approval of another bank telling them there is no fraud reported on their end and they still decide to keep the funds in house. This is exactly why people do not keep money in US Banks! At any minute they can close down your account at their convenience and not even give you time to open an investigation and prove no fraud has been committed, not even allow the bank who issued and released the funds to contact them!! How is this even legal?
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Im being denied to make a payment a payment on my credit card. Fifth Third Bank has been placed a hold on my account which causing an issue with me payments online or through customer service. I have no way of making a payment on the balance owed. They informed me to go to the branch and submit a check but I dont have checks to my payment checking account. When I asked to close the account since I cant use it or make any payments to remove the hold they refused to do so. How can I use a card that I cant make payments too?
Consumer complaint received 2024-06-25
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC. (CA)

I do not have any loans that have gone to collections and I've told them that in the past. I check my credit report several times a year and still do not have any loans or anything in collections. Midland Credit Management still calls me several times daily for collections accounts that do not exist.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (VA)

Paid settlement offer to XXXX XXXX XXXX XXXX for Montgomery Ward XXXX XXXX XXXX account. Account # XXXX. Payment Date XX/XX/year>. Was advised settlement payment would reduce amount owed/ balance due to XXXX. 

Montgomery Ward is currently still reporting a balance due of XXXX, and status as charged off. I have contacted Montgomery Ward, XXXX XXXX collections, as well as XXXX several times and have not been successful in my attempts to get accurate information updated.
Consumer complaint received 2024-06-05
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (GA)

In XX/XX/year> I applied for an XXXX XXXX on a website called XXXX. I also send my headshot with identifying details for the job as requested. The job sent an email back congratulating me on the position and further details as it was a modeling position for a clothing/shoe line whereas they sent me a check for mobile deposit in the amount of {$2600.00}. They also suggested that I rent a studio where after the money was deposited to my account I sent a XXXX in the amount of {$1800.00} to another person requested by the person that sent me the check. Later the {$2600.00} was returned and my account became overdraft {$1600.00} because I only had {$200.00} available. My account is not supposed to be able to overdraft only because this money was made available and money was asked to be sent. I filed a complaint for fraud that was later denied because Truist bank claimed that the transaction was authorized although it was a scam. Now XXXX left with an overdraft account.