davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-12
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. (AR)

I am writing to you for the tenth time regarding the fraudulent items that persist on my credit file. Despite multiple previous attempts to rectify this issue, the fraudulent entries remain unresolved, causing significant XXXX  and XXXX  harm. 

It has been a considerable effort on my part to repeatedly provide evidence and documentation proving the fraudulent nature of these items. Despite assurances of swift action, the lack of progress in their removal is deeply concerning and reflects poorly on the integrity of your credit reporting system. 

I demand that you undertake a thorough investigation into these fraudulent entries and take all necessary steps to remove them from my credit report promptly. Additionally, I expect to be provided with a detailed explanation of the measures being implemented to prevent similar occurrences in the future. 

Furthermore, I insist on compensation for the damages incurred as a result of this ongoing issue, including any financial losses and the time and effort expended in attempting to resolve it. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX Opened 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 2023-09-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

I purchased a laptop at an Apple Store on XX/XX/2023. The total cost of this purchase was {$4200.00}. I chose to finance the card using an Apple Card which I opened at the time. On XX/XX/2023 I was charged for the above amount. However, when I reviewed the billing statement for the card, the total amount due was {$4600.00}. It seems in addition to the cost above I was charged an additional amount of {$360.00}. I called Apple Card to clarify why I was charged this amount, and they were unable to tell me why. They recommended calling Apple directly, which I did. They were also unable to tell me why I was charge the {$360.00} amount. My receipt does not list this purchase amount.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

CitiBank has caused me significant distress, inconvenience, and financial losses due to the trauma caused by not sending my remaining account balance after closing it. Below are some details : I opened my account in XX/XX/XXXX. 

On XX/XX/XXXX, I deposited {$75000.00} from my XXXX  XXXX XXXX account, which serves as my primary and salary deposit account. 

I received a signup bonus, which I eventually had to pay taxes on in my XXXX tax return, including the earned bonus and interest. 

I needed the money, so I transferred {$25000.00} and {$25000.00} back to my XXXX  XXXX XXXX primary account, in accordance with the transfer limits, requested on XX/XX/XXXX. All proofs of these transactions will be attached in this complaint. 

After the transfers, CitiBank locked me out of my online access. I was able to call customer service and have XXXX, XXXX, and XXXX checks sent to my home address, which I successfully deposited later. 

I intended to keep {$1500.00} in my CitiBank account to avoid maintenance fees and use CitiBank for my future banking needs. 

I made numerous calls to CitiBank to regain access to my online banking, but they flagged my account for fraudulent activity without a clear reason. I endured many stressful calls, with each department transferring me to another, none able to unfreeze my account. 

XX/XX/XXXX, I got an email saying that my account is closed in 60 days, and the email clearly states, " we will send any funds belonging to you to this address, once the account is closed. '' When I called the customer service, they said after the account is closed I will receive my funds in XXXX to 90 days. 

I patiently waited for my account to be closed and several more months for the remaining {$1500.00} funds check to be sent to my home address. During this period, I experienced significant mental trauma and personal losses due to my inability to focus and the suffering I endured. I lost a considerable amount of time dealing with this issue. 

I hope I get this resolved and get my remaining funds sent, otherwise as I was recommended to go with other ways like approaching a lawyer, who can get my money back and can help get compensation for the personal losses incurred due to the mental trauma, and CitiBank will be responsible to pay the court and lawyer fees. 

But for immediate action if this is not quickly resolved, I am prepared to take further actions to seek resolution and justice. Will start sending emails Citi ERU. Will continue by raise complaints at XXXX XXXX XXXX of XXXX XXXX website OCC, FIDC, FBR, NCUA, CSBS XXXX XXXX / XXXX / XXXX XXXX gov / file.a.complaint Didn't expect this banking experience would become so miserable. 

I sincerely hope that this matter can be resolved promptly, and I can recover the remaining funds from my CitiBank account.
Consumer complaint received 2023-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (OK)

Received an email and invoice # XXXX today XXXX from Pay Pal stating they charged my account with a purchase o XXXX crypto currency. See attachment below. I have filed another complaint concerning this same issue.
Consumer complaint received 2024-04-12
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-04-12
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-04-23
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. (IN)

CASE # XXXX DATE : XX/XX/2022 AFTER CHECKING MY CREDIT REPORT THSESE ACCOUNT IT STILL APPEARING ON MY CREDIT REPORT AFTER DISPUTING BACK IN 2022. REPORT STATES ACCOUNTS COULDN'T BE VERIFIED SO WHY OUR THESE ACCOUNT STILL REPORTING ON MY ACCOUNT. THIS IS A ERROR ON YOUR PART FOR KEEP INACCURATE ACCOUNT ON MY CREDIT REPORT AND I ASK THAT YOU REMOVE OR DELETE THIS ACCOUNT AS SOON AS POSSIBLE. I'M IN THE PROCESS OF BUYING A HOUSE AND WITH THESE ACCOUNT THAT IS NOT MINES REPORTING IT'S HARD FOR ME TO GET APPROVE.
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is 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.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

There is NO balance owed on this account, requesting a deletion again on this inaccurate remark XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} Nothing owed inaccurate data
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX credit card ( XXXX XXXX ). was transferred and bought by XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX to verify paid and settled in full. It was showed as a paid and settled account on XX/XX/18 but on XX/XX/18 they took paid charge off. Off the comments. Its not in dispute other then the dispute should say paid charge off. Settled and paid in full thx. XXXX XXXX
Consumer complaint received 2024-04-12
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 have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (TX)

UMB Bank was running an offer of {$400.00} cash back bonus if one opens the account and have {$2500.00} or more as direct deposit within 60 days of account opening. I tried opening the account online but it didn't worked. So I went to the UMB Branch in XXXX TX and was able to open the account with the promo code with the help of XXXX. 
Within first 60 days, direct deposit of more than {$2500.00} has already happened. Within 30 days {$400.00} should be provided as case back. Followed up with XXXX but not getting any response.
Consumer complaint received 2023-06-19
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. (MD)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 15 US-CODE 1692E FALS
E OR MISLEADING REPESENTATIONS-10 XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 


. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number XXXX XXXX  Delete this account.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 1. The inquiry was not authorized ONXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

On or about XX/XX/XXXX, I realized that my checking account balance, which is always high, was not adding up. I saw checks being honored for large amounts that I did not write ; they were forged. I reviewed my statements going back and found a total of 66 checks, many for small amounts, that were not signed, not endorsed, illegible, or otherwise obviously not from me. I have been writing checks with this bank since XX/XX/XXXX. They were mostly written to " CASH. '' I went to the bank and filled out 66 Affidavits of Forgery. I was promised an investigation, and given a new account. A week later, I called. I was told the Affidavits were " misplaced. '' Finally I was contacted by an investigator who gave me a phone number to call and a case number. A few days later, I was contacted again by someone who did not give me her number. Over a week passed with no updates, and no refunds to my account ( this adds up to approximately {$10000.00} ). I called the number given and found that it does not work and does not give me the fraud department. I called my bank and was told they could not call the investigator but had to email her to get in contact me -- who knows how long that will be. I have been with this bank, as mentioned, since XX/XX/XXXX. I have lots of money with them. The bank grossly ignored banking regulations and the XXXX in honoring instruments that were defectively filled out and not written by me. Literally, they apparently would honor any check anyone stole from me and filled partially out.
Consumer complaint received 2024-04-12
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo repossessed my car in XXXX  when I was only 30 days late for fees and current payment. No warning and no help when I called in they said I would have to pay the full loan in full to get the car back.. I called month later to pay in full and they told me too late even thou the car was not sold for 2 more months.. I have been receiving these checks from them the last year apologize for fees accrued ( never cashed any ) and the letter said they were removing the repossession of my credit as paid in full.. I never knew about a lawsuit for this and was not offered compensation from Wells Fargo besides 3 or 4 checks each being between XXXX to XXXX..
Consumer complaint received 2024-04-12
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. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-04-12
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. (SC)

Transunion has has not updated nor deleted the inaccurate I for that has been reporting on my report for more than 26 months thats XXXX XXXXXXXX XXXX XXXX That is currently in litigation and a federal court case has been established! Also transunion is also violating the FCRA but reopening every 30 days and reporting false reports thats the same accounts are closed! This is fraud and need to be cease immediately. The account that is reporting is XXXX XXXX XXXX XXXX! The account has been closed since 2022 but transunion is falsely updating every 30 days! The XXXX XXXX  that is reporting falsely has already been discharged and should no longer be reporting! Also with student loans that is a violation of FERPA the Family Education Rights and Privacy act and also has been discharged!
Consumer complaint received 2023-12-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Tally Technologies (VA)

I included this line of credit in a XXXX XXXX bankruptcy in the state of Virginia. I filed in XXXX of XXXX and received my discharge in XXXX of XXXX. This account was verified included and Tally would not update my credit report in a timely manner. I emailed Tally approximately 9 times before I received a timely response to update their information on my XXXX report. Tally finally updated my report to reflect the account as discharged through the bankruptcy and still to this day sends me constant payment due date reminders and past due amounts for this account via mobile push notifications. I can not close the mobile account with a balance due. This is against FCRA requirements as this is considered contacting me in attempts to collect a debt thats been effectively discharged through a XXXX XXXX bankruptcy.
Consumer complaint received 2018-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

I have submitted the forms for an Income based Repayment Plan for my loans handled through Navient several times since XX/XX/XXXX. I did once in XX/XX/XXXX, once in XX/XX/XXXX, another again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They keep saying that they don't receive them. I did XXXX XXXX XXXX XXXX at the same time in XX/XX/XXXX, and they received their documents and I am under a IBP with them. 

Navient keeps having me resubmit. They say they got it, and looks complete but they need me to resubmit it since it wasn't processed last time. 

Also they have the same loan repeating on my credit score multiple  times. I have asked them to fix this and they have not, and I have asked them to combine the student loan in to one loan under one account, they have refused at this time. 

These loans were for XXXX XXXX and XXXX University, both of these institutions have closed due to fraud and accreditation issues. I have applies for these loans to be dismissed as employers do not take my degree seriously, and if I want to continue my XXXX degree I would need to start completely over at a new school because the credits despite being told they would, will not transfer. 

So ontop of paying for something I should not have to due to fraud, misrepresentation, and accreditation, dealing with Navient is getting out of control.