davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-14
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  account number XXXX, XXXXXXXX XXXX account number XXXX and XXXX XXXX account number XXXX have violated my rights. 

The information displayed in my credit report is inaccurate, therefore it must be deleted per the FCRA. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*Please note that the bureaus did not reply to my dispute letter.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called repeatedly or gone online to unfreeze my credit and i have been assured that it is unfrozen. But when I try to set up an account with XXXX, I am told my credit is still frozen. I have been dealing with this for months and it is almost impossible to talk to a person at Transunion. I just want my credit unfrozen so I can get a phone line set up.
Consumer complaint received 2023-11-10
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: Opportunity Financial, LLC (NJ)

Oop Financal Loan by XXXX XXXX is not considered to be payday loan weekly on credit report impact potential negative upon late payments after I did request them to be closed the account so that I could settle special program payments could arrangements unfortunately they refused to close the account before 30 days to put negative potential harm my credit report unacceptable however I did dispute all credit report bureau but not satisfied their results because its clearly not accurate report monthly payments instead of payday loan weekly report. Oops Financial Loan should be considered to be monthly payments upon credit report NOT PAYDAY WEEKLY!!! I did contact them twice but not resolved due to communication access I am XXXX to use video relay operator service to assist me communicating access by FCC federal regulators required I did dispute all of them again additionally information support PDF documents for weekly payments scheduled NOT MONTHLY!!! Also interest rates excessive more than weekly long periods I didnt appreciate them
Consumer complaint received 2020-04-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services (CA)

XXXX {$670.00} The company said I was approved for $ XXXX.Inbox loans took all my info down and said I had to fill out the agreement which I did.Every time I try to get the loan the loan officer kept saying he needs more info.I gave him all my info he needed and still he won't process the loan.I called them on the XX/XX/20 no answer ; XX/XX/20 no answer ; and today XX/XX/20 ask again, they hung up on me.Only when I said i would report them.I did not receive any money from them.I contacted my bank to make sure they do not take any money out of my account.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (NC)

Americash Loans is charging an excessive amount of interest on small payday loans that prey on lower class and middle class families that think they can pay the loan back within 90 days and when something happens that the consumer is unable to pay the loan back within 90 days, they profit by adding an additional XXXX onto of an loan that I only took out for {$1000.00} I dont mind paying back what I owe but these companies needs to be looked into further and shouldnt be operating a business that takes from hard working American citizens. They been taking out {$100.00} every since I took out the loan so thats {$200.00} per month meaning if they continue to take out this money I didnt profit anything from it accept for debt and high a interest rate meaning they profited from off me. Technically this loan is paid back over an 6 month period so why do the government still allow this predatory lending especially since XXXX  XXXX XXXX Was Fines For Predatory Lending Decades Ago. Im all about fairness and if I borrow money, I dont mind paying what I owed. Please investigate these predatory companies as I will move forward
Consumer complaint received 2020-04-07
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: Phoenix Financial Services LLC (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to include but not limited to : The diagnosis and procedure performed that I am being billed for, Dates of said procedure, Cost of any medication you may have provided, Cost of any medical devices you may have provided, Office Visits, Consultations, Hospital Visits, Misc. 
As I am not the person who owes this bill, I am aware that providing the information requested may lead to third party disclosure : a HIPAA violation. That would be your problem and not mines, as a consumer. And per the FCRA and FCPA, I am not required to complete a police report since the burden to prove the debt is on you. 
In addition, a provision of the FACTA regulations is the Notice of Negative Information provision, covered in section 623 ( A ) ( 7 ). 
I have never received notification that this had been or was going to be listed with a credit reporting agency. FACTA ( Fair and Accurate Credit Transactions Act ) requires creditors, including doctors and hospitals, to give the consumer a warning notice, so the matter can be addressed before a negative item such as this is reported in error. 
I am also requesting a copy of your in-house procedures that enable you to avoid the problems that lead to improper identification of consumers and the subsequent misreporting to the credit bureaus. 
In lieu of supplying the information Im demanding, you can simply stop all collection activity, including but not limited to removing this item from all credit bureaus to which it has been reported. If this is not done within 30 days of receipt of this letter, I will proceed to exercise all my legal rights, including litigation, to protect my good name. 
I look forward to your immediate co-operation.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On Friday, XX/XX/2023, I made a mobile deposit into my Truist checking account for {$840.00}. This was a payroll check originating at XXXX XXXX. Truist has held on to this deposit ever since. This is over 11 days. They said the reason was it is a new account.
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

The restarting of student loan payments has been a COLOSSAL DISASTER, and the fault lies on the XXXX, for not funding these servicers, and the incompetent servicers themselves. Im accruing about {$30.00} a day in interest and they are not processing my SAVE plan application, which would pause the interest, nor telling me when it will even happen. This is completely unacceptable. They have a massive conflict of interest because the more loans they service, and the longer, the more they get paid. I have Nelnet. Please help
Consumer complaint received 2020-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit because I was alerted by my social security card getting lost and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my credit profile. My identity has been compromised and this information in my report is not correct.
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX 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 2023-10-14
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (MI)

In XXXX of 2021 I had a chargeback with Binance.US. that resulted in my account being locked. After several failed attempts to transfer the money to my account I attempted to contact customer support. I never received a response from customer support. Finally on XX/XX/XXXX I was able to complete a transfer from a separate payment source for the amount of the chargeback. The payment was accepted and the chargeback was processed and settled. Looking into FAQ I found the guidance from Binance.US stating that 5 days after a chargeback is settled your account would be restored to full privileges. It is XXXX now, well passed the 5 day period, and my account is still locked. I have attempted to contact customer support several times and I have not received any contact back. The last helpdesk ticket was sent on XX/XX/2021 with me reaching out again on XX/XX/2021 inquiring about an update. 

I have attached screenshots of the payment that was mailed and showing the chargeback processed. I have also attached recent screenshots showing my account is still frozen. As well as screenshots from Binance.US FAQ guidance on account restoration and the email traffic regarding my final helpdesk ticket and my inquiring for an update. 

Thank you. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-10-14
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: EQUIFAX, INC. (VA)

I contacted Equifax to remove these hard inquires from my credit file and Equifax refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to Equifax as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I earlier file a complaint of wrong reporting on this account and the investigation didn't make any corrections. 
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I an account that are not correctly reported- XXXX XXXX account number XXXX you have it as recent balance XXXX as of XX/XX/2024 and status of account charged-off XXXX written-off XXXX but this account has been paid-off. 

You can call XXXX to find out about this account which is paid-off but your investigation came back as your correct information is accurate which is not true here is the payment confirmation number, call them and provide the number to them to confirm payment - XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NORTHWEST BANCSHARES INC (SC)

XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for XXXX days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time, XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at Northwest bank and passed along the letters that northwest bank have been sending to me to XXXX XXXX atXX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, Northwest Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to Northwest bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at XX/XX/XXXX. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from northwest bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eastpoint Recovery Group, Inc (GA)

I received a call from XXXX XXXX on today XX/XX/2020 @ XXXX XXXX He stated he was with a law firm in which that is a lie he works for East Point Collections. XXXX XXXX processed to tell me he was go to sue me over a XXXX account I had in the past. At this point I became very angry with this liar, I have never been notified via mail at all. Also, I inform XXXX  XXXX  back in XXXX of this year I was filing for Bankruptcy. This collection agency is acting as law firm in which they are not.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

CREDIT AND REOPEN the account ending in XXXX every billing cycle. XXXX XXXX XXXX XXXX XXXX XXXX is listed as the trustee according to Prospectus Form 424B2 in American Express SEC filings. According to the 10Q form for Q3 page 58 listed in the SEC in filing for American Express states We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. The monthly payment coupon received every month by XXXX XXXX is a receivable for American Express that has been credited due to the securitization of the asset. I rescind/revoke any security interest American Express has in the account ending in XXXX and XXXX, Brandon/agent assume all right XXXX titles, and interest for the XXXX XXXX for the account ending XXXX XXXX. Please respond within XXXX business days confirming fiduciary duties have been completed or reason for nonperformance of fiduciary duties if not completed. Failure to credit and reopen the PREPAID account ending in XXXX will result in an escalation to the SEC for securities fraud and a federal lawsuit for securities fraud.
Consumer complaint received 2023-10-14
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

on XX/XX/10 i called Capital One to ask if I could confirm if I qualified for their recent class action settlement because I was never sent an email or paper in the mail They then told me that yes I was eligible and notified via email but I never received the email they supposedly sent I asked if there was anything left for me to do They said no its too late & nothing can be done since I missed the deadline
Consumer complaint received 2023-10-14
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: Experian Information Solutions Inc. (SC)

All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!
Consumer complaint received 2018-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I dont know the exact time. they wont give me any information because the ssn dosent match what i gave them. Its not mines. I never received a car loan. I suffer from XXXX and XXXX its hard to focus and deal with this situation. Its not my loan.