davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon viewing my most recent consumer report, I saw XXXX that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$55.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

My loan was originally with XXXX XXXX XXXX which has since been acquired by NewRez LLC. 

I unfortunately had a fire at my home which was covered by insurance. A large 6 figure claims check was sent to the consumer ( me ) to start building back my home. NewRez was attached as an additional party.

NewRez states their process is to have the homeowner sign the check and send it to NewRez by which they will, at their discretion, send money to the homeowner for payments. My issue is NewRez REQUIRES an inspection every time money is to be sent to the homeowner, NewRez will then CHARGE THE HOMEOWNER for an inspection that ONLY NEWREZ requires. In the state of Florida, a 4 point inspection is required after any major renovation to be covered by insurance. I'm already paying for a personal inspection, but NewRez WILL charge me for their own inspection. Not even the insurance requires inspections for funds. This is completely immoral and unethical and if NewRez would like to charge an inspection fee to make sure the property meets or exceeds their expectations, it should be the financial responsibility of NewRez.

In addition, there's something unsettling about releasing 100 % of the signed funds to NewRez to be used and given at their discretion. I'd never down ANY of this with ANYONE, EVER, yet this seems to be an acceptable practice for my Lender, whom I pay monthly money to for a home already and who is single handedly preventing access to funds to help me continue paying the mortgage. 

From everyone I've talked to in the industry, this is NOT NORMAL and is behavior that should be reviewed and revised. 

My home incident was in XXXX, we are currently in XXXX. I'd notified NewRez during several conversations, but they only documented the first portion of the process starting in XXXX. This has been the most infuriating part of the entire claims process. Not the contractors, public adjuster, or claims adjuster, but my Lender - NewRez LLC XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express sent me two 1099-XXXX forms XXXX I have no clue why they are saying I made " other income. '' I tried chatting with a representative who told me they can not help and I need to call. I called the number quite literally listed on the 1099, and the Rep didn't know what a 1099 is and gave me a phone number for a different department ( not correct either ). Next I chat with a rep again trynig to ask for the correct number, and I'm told there is no number and no one that can answer my questions. How is that possible? Someone from American Express had to issue the 1099, so how are they not able to answer any questions about it? They're sending me from one person to another, wasting tons of my time, just to tell me there's no help that can be provided. Completely unfair and pure insanity.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2023 I requested a dispute unauthorized transaction on my account made at XXXX  XXXX  of amount {$100.00}, {$9.00}, {$20.00} And {$10.00}. The bank gave me the money back than took it away out the account like a month later. I called to request same dispute. I was told they'll get back to me with their answer. Few days later I made a XXXX  transaction of {$130.00} by mistake because i was trying to do a bank transfer which i didnt have on my account and I reported that to them as soon as possible to dispute that as well. They made the dispute process but I didn't get no answer from them about that. Then I received a mail from them stating I'm overdraft my account and my account would be closed due to none payment. But i never added overdraft protection to that account, they even give you an option if you want to add it or not. Before that happened they blocked me from accessing my online. I was never told my account was overdraft of {$220.00} until I call XX/XX/2023. So they used my money that I was waiting on for some overdraft transaction I wasn't notified by to pay it off.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (CA)

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. 

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 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 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 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec 15 USC 1601 Acct XXXX  Account Status Date Opened Last reported date Date of Last Active Transunion has no payment history.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (DC)

On XX/XX/year> at XXXXXXXX XXXX., I went into Wells Fargo branch location at XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, for an appointment with the sole purpose of having my existing checking and savings accounts transferred into my relatively recently established Revocable Trust, as a part of my personal estate planning. I provided the personal banker ( as his manager provided oversight ) with my entire Declaration of Trust document and the Employee Identification Number ( established specifically for the Trust ) provided to me by the Internal Revenue Service. The WellsFargo representative made copies of all of my documents, processed the changes in their system and provided me with receipts of the change being made to the three of my accounts that were to be placed in the name of the Trust. On today ( XX/XX/year> ) I received a call from the same Wells Fargo branch representative advising me that the changes were rejected from corporate due to the EIN not being listed in my Revocable Trust. I advised/explained that you can't get an EIN for a Revocable Trust UNTIL the Revocable Trust is executed and you declare that the Revocable Trust has been executed when you request an EIN for the Trust. He insisted that this was the direction he had been given, which I disagreed with as I've had my checking and savings accounts at other financial institutions complete the same transaction without issue. I requested to speak to someone in corporate and was transferred to a WellsFargo representative with whom I filed a complaint regarding this matter and that case number is XXXX. It is known that Wells Fargo has a history of unscrupulous business practices when it comes to people of XXXX, of which I am a part of. People create Trust everyday and transfer their assets into them daily so this additional request makes no sense. But the kicker in the conversation with the personal representative was at the end of the conversation he advised me that this required amending of my existing personal Revocable Trust to include the EIN in the Trust document had to be completed asap or my existing personal checking and savings accounts would be closed. This further infuriated me as i've been an account holder with this financial institution for 20+ years and again none of what the representative state as a requirement made any sense. The personal banker subsequently advised that he/his manager would be filing a complaint with corporate on my behalf but that didn't make sense either and don't trust their internal checks/protocal/oversight given their recent history and settlements.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" 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 emails, letters, or notes documenting your interactions with the creditor.

Internal 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 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (ID)

Toyota Motor Credit ( TMC ) is illegally withholding {$1900.00}, which should have been posted to my auto loan account through Toyota Financial Services ( TFS ) two months ago. 
The details are as follows : On XXXX, TMC deposited a check for {$1900.00} from XXXX XXXX of XXXX, Idaho, which are funds that should have been posted directly to my loan account. I have attached a copy of the cancelled check along with the remittance advice. 

My phone conversations with Toyota Financial Services customer service representatives on their 800 number always result in a dead-end. I have been met with a series of scripted answers to explain, avoid, and delay any actions on their part. Examples of their delay excuses and tactics are as follows : They would 1 ) forward my complaint to the resolutions department, ( 2 ) complete a special form that would be sent to that department, ( 3 ) post the payment within the next 24-48 hours, ( 4 ) email the resolutions department, and ( 5 ) have a supervisor return my call, which never happened. 
Dates and times of my phone calls to resolve this matter are listed below. 
XXXX ( 22 minutes ) XXXX ( 11 minutes ) XXXX ( 21 minutes ) XXXX ( 34 minutes ) XXXX ( 42 minutes ) XXXX ( 12 minutes ) On two occasions, the representatives CONFIRMED that TMC did receive the check from XXXX XXXX but could not explain why it was not posted to my loan account. 

To date, TFS has made no attempt to post this money to my account. They must stop their illegal tactics of withholding money due to me and post the payment of {$1900.00} to my loan account immediately.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (GA)

I don't check my credit report much but after recently checking I've found a lot of discrepancies. I have no clue who this company is or where it originated. I want it removed as soon as possible.
Consumer complaint received 2024-01-31
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: M&T BANK CORPORATION (PA)

The issue is after transferring the balance from my M & T credit card of XXXX, so I could close this account, I logged into the account, and now it is stating I owe XXXX and that was AFTER the transfer. I added all the purchases and it totaled {$1300.00} and some change, and then I subtracted the payments made for that entire month, which left me with the balance of XXXX. That is the amount that was transferred. There is nothing showing that I made XXXX in purchases.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

I have a voluntarily dismissed bankruptcy that I have repeatedly disputed with all 3 credit bureaus. The bankruptcy was filed in error and immediately and voluntarily dismissed. The bureaus have stated that Nexis Lexis is the provider of this information. I have disputed this information with Nexis Lexis but the inaccurate bankruptcy is still present. I have listed the inaccuracies below. 

1. All 3 credit bureaus are displaying different case numbers.

2. All 3 credit bureaus are displaying the incorrect case numbers.

3. This has caused me to be declined for multiple credit applications with the most common reason given being '' multiple bankruptcies ''.

4. Two of the bureaus are reflecting a payment date which contradicts my explanation that the bankruptcy was filed in error and immediately dismissed without any payments or hearings. No payment was ever made and no hearings were attended. 

It is my right to request inaccurate information be deleted from my account. These inaccuracies have harmed me and are a blatant violation of the Fair Credit Reporting Act. I have attached my pacer report and the public records pages from the 3 bureaus.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Staff, I recently opened an American Express Charge Card ending in XXXX. I was declined a charge of {$3000.00} last Friday ( XX/XX/year> ), and I called and was told it was due to I only have a {$1500.00} limit on the card. The American Express Staff suggested I prepay my card, for example, {$1500.00}, and then I should be able to use my card for a charge of {$3000.00}. I then submitted two payments of {$1500.00} and {$100.00} using my bank ending in XXXX. I called American Express again and was confirmed that my available limit was enough to cover the {$3000.00} charge last Friday. 

However, when I checked my spending limit on the card, I was still declined for a {$3000.00} charge. So I called American Express again last Saturday ( XX/XX/year> ), and the staff told me due to it is the bank is not in business hours, and American Express hasn't received the funding yet and asked me to call back on Monday. 

On Monday ( XX/XX/year> ), I called American Express again, and the staff told me the fund had been deducted from my bank, and there was no more hold on my account, she also helped me connect the financial review team from American Express, and told there is no more documents needed from me, and I am ready to use my card right away, she even further stated to me that I had a total of {$4900.00} available limit on my card ending in XXXX ( fully {$5000.00}, there was a pending {$20.00} charge on my card ). 

However, when I tried to re-make my failed {$3000.00} purchase on Tuesday ( XX/XX/year> ), it was declined again by American Express. I called American Express, and the staff told me that they needed to hold my payment again, and wouldn't let me make any purchases anymore. I asked that then why American Express suggested I pre-pay my card to get a larger spending limit, and later held the user 's money and wouldn't let the user make any purchase. She said it is just American Express 's policy. I don't know what policy it is. It is a card without any due payment, I even pre-pay {$1600.00} into my card just because American Express told me to do so I can get a larger spending limit, but now American Express simply cheated me, and won't let me make any purchase, and the account is standing in a negative {$1500.00} balance, which means American Express owe me {$1500.00}! Why would such a big company be so evil to cheat an innocent customer 's money? It is due to my trust in Amex that I pre-pay the card without any balance, just because Amex told me so, but now I am fully cheated, and can't trust Amex anymore, I don't know what other excuse they are going to use to further hold my hardly earning money. 

I also didn't receive any email or any phone from American Express that my payment is on hold. What's more, on the American Express website, the payment shows fully credited on XX/XX/year>, but American Express just keeps cheating! 

Thanks so much for your help! 

Best, XXXX