davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (SC)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (FL)

There are accounts, date of accounts, amounts, and various incorrect and incomplete information on the XXXX credit report that I have been disputed over the course of the last six month. Most recently submitted XXXX XXXX XXXX XXXX 

The consumer name associated with said account has been affected by the Equifax breach settlement engagement number XXXX 

I only wish Equifax to provide the appropriate documentation and methods used to verify the information they claim is accurate. The inaccuracies have been extremely detrimental to getting jobs, as well as properly operating in commerce and accesses credits. 
The most recent dispute was mailed XX/XX/ requesting verification on alleged remarks and errors on the credit report. I encourage XXXX XXXX and Equifax to resolve these issues to avoid civil proceedings for violations pursuant to FCRA.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE ()

I do have a checking account and a business account at Huntington Bank. Right now I'm in XXXX, and I was making the payment from my business account to XXXX Bank through XXXX, I received the money from XXXX but XXXX wasn't able to charge my business account because of them putting it on hold. I called the bank to ask why my account is on hold and they said because of missing documentation from XXXX bank which I was transfered from once the owner changed. I was with Huntington for the last year, and without any notice, they froze my account stating that they missing some kind of documentation. Right now they not allowing me to provide it online, by mail, etc. They refuse to close my account if I send an authorized letter asking to close the account and issue the money. The only option is to come to the branch and it's not possible because I'm back in XXXX. 2023 XX/XX/XXXX XXXX  wasn't able to charge Huntington Bank and I'm in debt to them now, they are taking legal action against me to pay the debt, once Huntington is holding my money and refusing to release it.
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: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the XXXXr FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-29
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (GA)

Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft Also Ive been with XXXX XXXX XXXX  these past few years
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (GA)

Lack of Verification : ** Despite my request Credit Control LLC has failed to provide substantive evidence validating the authenticity of the alleged debt. This lack of verification is a direct violation of my rights under the FDCPA. 

2. **False or Misleading Representations : ** Credit Control LLC has made misleading statements and threats regarding potential legal actions and negative credit reporting. These actions violate the FDCPA 's provisions against false or deceptive representations. I Never lived or been associated with the address that was provided I am a victim of identity theft
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (SC)

This complaint was my follow up to Experian and XXXX Credit Bureaus. As I am hopefully expecting that the Experian and XXXX XXXX to remove these fraudulent inquiries from my credit reports. And for that I am sending this complaint again to make certain that the you, the credit bureaus will remove these listed fraudulent inquiries : EXPERIAN : 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 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (TN)

I have a conventional mortgage with NewRez. In XX/XX/XXXX they placed a Lender based Insurance on it even though we have no escrow as we pay our own through XXXX XXXX. They never informed us. Then in XXXX I noticed that the payment had changed from {$1200.00} to {$2700.00}. I got on the phone on XX/XX/XXXX and after 1 hour they told me they needed the HOA/association insurance papers not mine. I sent it to them. Nothing happened. No action no adjustment. Called them back XX/XX/XXXX was told they needed another year of HOA sent them that immediately, no action, then on XX/XX/XXXX called as payment was pending. Was assured its all fixed but no the payment was pulled extra {$1400.00} and also insurance has not been refunded. Now its XXXX still nothing, payment still shows as {$2700.00}.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (FL)

1990 XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXCELLENT CONDITION PAID FOR IN FULL, INSURED WITH XXXX XXXX, XXXX XXXX, XXXX XXXX, FLORIDA, UNRECOVERED, REPORTED STOLEN. NEW VEHICLE DENIED, LODGING DENIED, ALL FINANCIAL ISSUES DENIED.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (MO)

I was approached by charter communications last year on XX/XX/XXXX of XXXX  they told me that I was was eligible for free one year long cable internet so I signed up they came over to the house at XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX of XXXX  and they hooked my internet up that same day the neighbor had cut the wire I never got to use the cable whatsoever The house was condemned it's still condemned to this day but yet they filled me for {$240.00} and now it is on my credit report and it should not be it was not under my control to do anything about it I complain to XXXX credit report about it they did nothing about it
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2023 I filed a complaint against Truist Bank for withholding by overage payment and my GAP refund as the account was closed the beginning of the new year. In addition the GAP refund has been cashed by Truist on XX/XX/2023 and no one is providing me any updates except for telling me I will be getting a follow up call in " 3 business days ''. I believe it is now 4 weeks of waiting and I still have not got a call. 
The only information I have been told is that they forgot to send my overage, and then when it was manually initiated it got rejected. 
I was also told that some clients are waiting over a year for their GAP checks and that their cancellation department is very flawed and behind.

Upon filing my complaint, the GAP refund was sent and overnighted to me, but the overage was still not sent. 
I received the GAP refund check and cashed it, and figured I was done and I would just wait until my overage arrives. 

Today, XX/XX/2023, the GAP check was cancelled and reversed out of my bank account, according the rep at my bank.

I have called Truist and they have informed me that they have no clue why and they can give me an update in 3 business days.

In addition, they told me they did send the overage but they sent it to the wrong address because they did not copy my full address correctly and I need wait 15 business days for them to correct their mistake on their end.

Truist is providing no information to me and it seems as if once the complaint was closed they reversed their payment after. 

I am owed $ XXXX on the GAP refund and $ XXXX on the payment overage.
Consumer complaint received 2024-02-02
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: Bread Financial Holdings, Inc. (FL)

hello to whom it may concern. 
My husband brought our wedding ring XX/XX/XXXX at Jared of Jewelry for {$7700.00}. He made autopayment of {$220.00} every month. In XX/XX/XXXX I saw a balance of XXXX that we should be pay off by XX/XX/XXXX. Here where my problem starts. On XX/XX/XXXX, I went back to Jared to buy a nickel for my husband birthday ; It's cost {$1600.00}. He does not like it, XX/XX/XXXX, I returned it. In XXXX my husband saw the payment increase of XXXX dollars. He asks me why the payment increase, and the total balance now is double. I said I don't know. I went to Jared to ask why. The lady that I saw find out that I brought a Neckles. I said no I returned it in the next day. She calls Comenity bank to clarified. when the bills come for the next month. The bills say XXXX. I keep call Comenity bank every month to discuss that ; they never fix my bill. They want me to pay that amount which i do not have. I only brought one product ; in the bill I have two different due date to finish pay. Now in the bill, they put pay XXXX by XX/XX/XXXX. They change the bill without buy nothing more. They refuse to fix it. Please to who is going to read my complain, i am ready to pay {$1500.00} off for me can be done with this company. please help me. Thank you.
Consumer complaint received 2024-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I am writing this email to inform you regarding a wire transfer fraud on XX/XX/XXXX for a total amount of {$62000.00} through my Citibank account. 

To briefly inform you about how I noticed this fraud, I was living in my dorm and I found out when I came back to my room after going out to a nearby marketplace to buy some water when my debit card did not work and fortunately I had cash in hand. I opened my Citi app then found out there was a negative balance around XXXX XXXXXXXX on my checking account and {$0.00} on my savings account. I tried to call the citi priority, but my phone had no signal and nothing worked including my data and SMS. I used my roommates phone to call them around XXXX or XXXX ET and this was when I first reported the fraud. 

I also visited the Citibank XXXX in the XXXX branch the next day with my tutor to help me communicate with the XXXX bankers at that time. I told them what happened and we ended up finding XXXX unauthorized wire transfers through XXXX for a total amount of {$62000.00}. I also informed them that I did not receive any text messages or email for me to click on. The bankers at the XXXX branch told me that they will file a claim to the fraud department and they should reach out to me with their response within XXXX days maximum. 

The first letter I received was on XX/XX/XXXX saying that the fraud claim was denied after their investigation and the reason was that I did not take adequate steps to safeguard my account. I revisited the XXXX branch and found out that a partial amount was returned which was {$35000.00}, {$8000.00} and around {$7900.00}. Even with these, I still did not receive the outstanding amount of {$11000.00}. I visited the branch several times more to file the claim. I was really disappointed that the account holder, myself, had to follow up with the progress and not the bank or the department. 

I contacted my phone carrier at that time, XXXX  and they did not find any suspicious actions on my account. However, I visited another Citibank branch ( XXXX XXXX XXXX XXXX  NY XXXX ) and they insisted that it might have been a XXXXswap. I looked it up : a XXXX hijacker convinces your mobile carrier to port your phone number over to their XXXXXXXX XXXX  By transferring those incoming messages, fraudsters can easily access your most sensitive accounts by completing text-based two-factor authentication checks. 

It has been over XXXX  years since the fraud. I am fully acknowledged that the deposit accounts are insured up to {$250000.00} per depositor, for each account ownership category according to the FDIC insurance.
Consumer complaint received 2024-04-29
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. (IL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX 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 2023-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2023-10-26
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (IL)

Received email communications from OneMain Financial regarding a debt consolidation loan. Also noticed a hard inquire on credit file from the same company. I did not originate this loan request, and believe this may be fraud. I've contacted XXXX and filing this report.
Consumer complaint received 2023-08-03
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$6300.00} XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-29
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. (LA)

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.

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 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (TN)

I filed a petition with the court for XXXX XXXX XXXX in XXXX of XXXX. All of my creditors were notified, including Regional Acceptance Corporation that held the XXXX for a truck that i purchased. My bankruptcy was paid out and XXXX successfully in XXXX of XXXX. Regional Acceptance Corporation was notified electronically. Today, i received a XXXX for the car that I surrendered in bankruptcy to them and approved by the court. They reported the difference as income to the IRS and state of Tennessee. This is a factual lie. This was XXXX via XXXX XXXX XXXX, and I demand a corrected XXXX be issued immediately to the IRS, state of Tennessee and myself.
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (NY)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.