davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
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. (TX)

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 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

Issue has be on going for almost 6 months with no real resolution insight. Fifth Third Bank closed my account and is keeping my money for their investments use but will not return my money nor give me access. 

XXXXSigned up online for checking account and funded the account {$500.00} via online from my bank account. XX/XX/23. Received email stating my debit card had been activated, though I never received the card. Called customer service about unauthorized debit card activation, was told to come into a branch to verify my identity. Informed them that is was not possible because I live in KS and the branch they suggested was in Indiana. XX/XX/23 Received letter in mail stating the account would be closed. XX/XX/23 Called customer service about deposit being returned due to the account being closed. During the call I was transferred to local branch in Indiana, and was giving the same irrational answer of flying into Indiana just to show someone my ID even though I have no account with them at this time. 
XX/XX/23 Called customer service to speak to upper management about situation only to be transferred back to fraud department. Representative informed me of the option to email ID and SS to get verified by Indiana branch. Rep said she would note my account of the matter so Indiana branch manager could better understand the situation. Called Indiana branch never spoke to branch manager because called was screened by a rep who rememberer my call from months ago of same issue. Indiana branch refused to accept their own suggested solution of emailed copies of verification. 
Bank still wants me to fly out of town to go into branch to show a teller my id. Upon showing my ID, I still wont get my funds on demand because they will be mailed by check in 7-10 to my home in XXXX  XXXX XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (SC)

This is a continuation of complaint XXXX which was closed too early by Fay Servicing LLC XXXX The initial complaint was against XXXX XXXX citing forgery of XXXX XXXX XXXX signature to obtain a payoff for the outstanding mortgage loan. 
Fay Servicing failed to verify the authenticity of the signature, which could have been done with a simple phone call to XXXX XXXX or XXXX XXXX to verify authorization was given, yet it wasn't. 
Because of this failure, XXXX and XXXX XXXX 's PII was provided to an unauthorized 3rd party. 
Pursuant to the Privacy Act : Personally Identifiable Information ( PII ) is Information about an individual that identifies, links, relates, or is unique to, or describes the individual, e.g., a social security number ; age ; military rank ; civilian grade ; marital status ; race ; salary ; home/office phone numbers ; other demographic, biometric, personnel, medical, and financial information, etc. 
Fay Servicing failed to protect our PII in the following ways ( these are only a few points taken from the Privacy Act ; the official lawsuit will list out more detailed violations ) Record Any item, collection, or grouping of information about an individual that is maintained by an agency. This includes but is not limited to, education, financial transactions, medical history, and criminal or employment history and that contains an individuals name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph Security. Any organization creating, maintaining, using, or disseminating records of identifiable personal data must assure the reliability of the data for their intended use and must take precautions to prevent misuse of the data. 
We are still in pursuit of the forgery claim initially submitted against XXXX XXXX. We filed a police report, see attached, and have retained an attorney to take legal action in a civil suit in accordance with the law against XXXX XXXX and Fay Servicing. 

We ask the following : 1. Continuation of the forgery investigation against XXXX XXXX. 
2. Provide us with your legal counsel 's information.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX at around XXXX XXXX I deposited a cash amount at a Chase Atm , a total of {$1800.00} in cash all XXXX dollar bills. Atm shut down mid process and the deposit didn't go through and no recipient was given as well as the moeny didnt get returned. I called immediately at XXXXXXXX XXXX and was told I was going to be credit for the {$1800.00}. On XX/XX/XXXX I was charged back {$1700.00}. I called Chase and was informed that they had audited the ATM and that they had only found {$94.00} despite only depositing $ XXXX. Tried to fix this through them but Chase doesn't not want to fix this saying that they can't do anything else. That I just have to eat it. I have spoken to a claim rep 3 times and superviser 2 times. They took the {$1700.00} and now want me to pay the {$1700.00} to get my bank balance back to {$0.00}. I have also insisted that cameras be checked and they say that no that it was already audited and no further actions can be done. I have told them about the discrepancy regarding only depositing {$100.00} dollars bills and them only finding {$94.00} dollars and have been told that they have nothing to say to that. That they don't have an answer to that.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Hello, I had a checkings account in Chase Bank and I have over {$1100.00} in this account. I tried entering my account and it says " It looks like you don't have any accounts to show ''. I can't find any information on how to solve this problem. I live abroad, I live in XXXX and I can't go to a branch to try and solve this. 

Please help. 

Thank you.
Consumer complaint received 2024-04-23
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)

My information was sold and bought illegally because l was a victim of the XXXX data breach. I have phone them several times and nothing has been done. I have received no settlement whatsoever even though I have sent multiple claims. They all have gone unanswered. I want all the fraudulent items Deleted from my credit reports effective immediately. I attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. My credit was XXXX before I went into the hospital for a year when I came out its now XXXX this is unfair unjust and unethical. Especially since Ive already informed them and they in fact told me that I was a part of the breach. I shouldnt have to go through so many hoops for them to rectify there mistakes. Especially after serving my country. I really need this remedied and would like to know what happened to my settlement.
Consumer complaint received 2024-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Linebarger Goggan Blair & Sampson LLP (CA)

My daughter had a closed court ordered bank account and this agency put a XXXX XXXX on my XXXX  account because I signed as an adult for a minor. This was her account not mine. It is an account for her when she turns XXXX. I no longer have an account with XXXX XXXX at all. This savings was hers and not mine
Consumer complaint received 2018-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (KY)

Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include em
ails, letters, or notes documenting your interactions with the creditor.

I

nternal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-04-23
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. (TX)

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 2023-10-30
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-07-11
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC. (AR)

My car was traded in on XX/XX/2023. I received a call several times a day about payments. I called and told the company was the car was traded in and a representative called and I stated the care was traded in to XXXX XXXX. Representative stated that I still needed to make payments or the will repossess the car. I said the car was traded in so you will have to take that up with them. Now they have reported on my credit that its late and continue to call me several times a day. XXXX stated a check for payoff was sent exactly a week after the car was traded in.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I just received a check from california rent relief program. The check is drawn on wells fargo which I possess an account as joint account holder. Both myself and joint account holder traveled to local wells fargo branch both Thursday XX/XX/XXXX and Friday XX/XX/XXXX. On first day the bank actually deposited check several times while there at bank and placed their stamping marks upon it after having me execute my signature on reverse side. Initially they claimed they could not accept check because unable to reach program for verification. However we successfully reached program who then spoke with bank and verified everything. Then bank tells us that they will not accept check because they deem it too high risk. We traveled to several nearby branches locally whereby we were advised that they were notified by original branch and they would not allow depositing of check.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MS)

I reported my card missing/stolen in XXXX of this year. They allowed other charges to placed on the credit card even though already reported. I should have a credit of {$5.00}. However, they are still charging late payments and finance charges on items that should not be on my card. The last payment I made, I noticed after paying a charge of {$5.00} after paying the bill. I immediately contacted Citi 's Fraud Department and reported the non-purchase charges. I even called back after contacting the largest of these charges which was a subscription charge I did not ask for. They immediately canceled these charges and gave me a cancellation number. I called back and spoke with a XXXX and he stated that he notated the account of these two credits. XXXX also stated don't worry about the late fees and charges that they will be removed from my account. I contacted Citi today XX/XX/2023 at the Citi Fraud phone number and it states closed even though its the middle of their operating hours. I called customer service and they advised me to pay the bill and I would be credited for the {$100.00} plus charges. I don't really trust that they will do this even if I paid what I don't owe. At this point, I should have a {$5.00} credit and their trying to charge me {$110.00} for charges that I didn't make. Please help.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (OK)

In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Has Violated My Rights. 

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.
Consumer complaint received 2024-04-23
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. (TX)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, 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. (TN)

Fraudulent accounts or charges appear on my credit report from a car dealership running my credit through all the places they can find. I did not give authorization to pull my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.