davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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 ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-12-06
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)

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights! Also i would like this inaccurate public information removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i made no credit application with these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-12-06
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. (LA)

They are reporting a fraudulent car loan to my credit report. The dealership XXXX XXXX and California informed me they when they approved this fraudulent loan they did not even ask for identification or a ssn card until several days later. See attached police report old and new
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MT)

I deposited government-issued checks into my Wells Fargo account XXXX and they are on hold for 11+ days without availability. When I contacted Wells Fargo, they were unable to describe why the hold was in place and said they could do nothing about it.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I made a payment on XXXX XXXX and was charged a late fee of XXXX XXXXI called and was told my payment was late due to the time zone. 
I applied for and and the account was approved in this time zone. 
This was not an issue at the time received this card. 
the card is XXXX XXXX
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I asked yall back in XXXX to remove this account. I have sent the dispute letters and court documents to you and the credit bureaus, from the court of law that States that this is a Error being reported on my credit report regarding, this company Pentagon Federal account # XXXX Im not responsible for this and it has been filed with a bankruptcy and has been dismissed in court and without prejudice.

This account has been removed from the owner 's credit profiles. also needs to be deleted completely now!
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a fraudulent charge from XXXX XXXX, on my business card, in XX/XX/2018. I filed a dispute with my credit card company ( XXXX/XXXX ) They immediately removed the fraud charge, cancelled my card and sent me a new card, new account number. Great! Then in XX/XX/2018 I see a charge on my new card for XXXX XXXX and I call my bank to let them know that this is not my charge, They tell me that the charge went back on because of the " card updater program '' and even though it was originally a fraudulent charge and was returned to XXXX along with a penalty they were able to charge my new card, because the original fraud charge had been a recurring charge. So i called XXXX and they would not do anything because they had to send me a code to my XXXX account, which I do not own an XXXX account, because it was fraud. Now I have to cancel my credit card again. I was told there is no way to opt out as a consumer from this program. So in closing, the consumer, who is paying has, no rights when it comes to the " card updater program ''. and that should be illegal.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

I have been charged XXXX consecutive months now of fraudulent and illegal interest by Barclays Bank on my Barclays credit card, on underlying XXXX charges ( see attached letter to Barclays Bank ) that I clearly detailed to Barclays as also being fraudulent. Incredibly, Barclays Bank even REVERSED all XXXX of these charges, AND XXXX related interest charge, by crediting the full amount of ALL XXXX of them back into my Barclays credit card account ; hence, they must have agreed with me! 

I have mailed Barclays Bank XXXX demand letters by certified mail, return-receipt-required, but Barclays ignored both! XXXX I can clearly show that Barclays has, hence, violated the XXXX Fair Credit Reporting Act, for which Barclays should be fined by the federal government ( assuming that act has any teeth!?! ). 

XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-06
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)

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.

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 2023-12-06
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. (IL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXXXXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 
( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I noticed some Transactions posted on my credit report that is excluded my federal laws to my consumer reports! : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you reported transactions from to my consumer report. 
does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to or experiences between the consumer and the person making the report ; The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer XXXX remove transaction from the report
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/year> the day I receive my paycheck to pay my bills and provide for family. My hard earned money was not deposited into my account. Not only my pay check but I am also a XXXX and receive my benefits on this account. I received a message from Wells Fargo telling me the accounts are closed and they will no longer do business with me from the fraud department. I have no fraud activity on my account being with the bank almost XXXX years. I am unable to pay my car note today causing potential harm with my finance company which I am in good standing. I am unable to by food for my grand children and household. Closing an account causes hardship for customers. Wells Fargo has wrongfully closed my accounts. I spoke with my family member who recently got their accounts closed my daughter with the same last name and address as I. Closing a bank account because you live with or are related to another customer has nothing to do with my accounts that seems as though they are targeting me targeting this home address. Whatever someone else is doin on their account is no reflection of my relationship with the bank. It seems very suspicious that they close mine after closing my daughters and we are not even on the same account. Banks need to be held responsible. It is not good business to shut down accounts where people put all of their money into to live, without proof or warning that any fraud has taken place. Just because they have the right to end a relationship it is not ethical if in doing so they accuse you of fraud. That is defamation on the customer. And certainly closing down because of relation is insane. Now I have to deal with the pain and suffering of not having access to my money to handle Important obligations because I put my trust in a company that will not feel my burden. The regulations need to be amended it causes harm to the individual. Just because customers have a right to end anytime, banks say they do as well, the only difference is when Banks do it they do not take a financial loss such as the one put on customers. Customers will usually have their affairs in order before making that decision. Banks do this so viciously and for wrongful reasons even if for no reason at all. I trust the institution enough with my finances, yet they dont trust customers enough to resolve issues together. I literally put every dime I earn into this account and for this to happen there is no justice.
Consumer complaint received 2023-10-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I requested to know why my account was closed and they told me it was because my credit score was a XXXX and my credit wasnt a XXXX it was a XXXX but they closed my account and I couldnt pay it through the app or online. So I called and they sent me a link to pay through phone and the link did not work. So I called again and I was told there was nothing they could do. They then charged me a late fee and marked my account with a missed payment that I know will be marked on my credit history. Even after I payed about half of my account off.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (WY)

XXXX XXXX XXXX  Home Depot has charged me insane interest. I have a promotional balance on XXXX card of {$1700.00} that was due to expire on XX/XX/24 ( account ending in XXXX ). On XX/XX/24 I paid {$1700.00}. Home Depot decided to split the allocation between multiple purchases rather than pay off the promotional balance ( as I requested ) and on XX/XX/24 charged me {$580.00} in interest. They did the same thing on another account earlier this year ( account ending in XXXX ). That amount was only {$52.00} but it is still absurd.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I had XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX using CareCredit card, Synchrony Bank. Charges were made XX/XX/XXXX and XX/XX/XXXX for {$2500.00} by XXXX XXXX for XXXX  months. Charges were made by XXXX XXXX XXXX XXXX XXXX for {$1200.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX for 12 months. I received information from Synchrony Bank re payment giving a due date of XX/XX/XXXX while I was packing to go out of town. I had questions so I put the credit card into the envelope and took it along. I can not locate the card or the envelope now and the receipts I have only give last XXXX digits of XXXX. They want you to set up and pay online but this requires the whole account number. So, I called their customer service number regarding my questions and asked for the whole account number so I could set up bill pay, my bank and I select the day to pay. Said this required a different level of security and wanted a cell number. I declined, offered land line number or email for receipt of a code. I recently saw a video on billions made by companies sharing cell numbers with their " associates '' for their own marketing. I am trying to pay this bill by XX/XX/XXXX. How many calls come from individuals saying " I found somebody's CareCredit card and I want to pay on their account ''?? Why will they not provide the account number? To set me up for some late fees? Synchrony Bank needs to do better, or any customer service and I need some consumer protection from them. Please help. I am trying to pay. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
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. (OH)

To Whom it may Concern, This is this complaint is submitted Under OHIO LAWU.C.C1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : 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 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (NY)

I am writing to dispute the presence of a {$1900.00} debt that I have been recently notified about on my consumer report. According to my report, there is an account listed under Assoc Credit Services for which I am allegedly responsible. I want to emphasize that I have no knowledge of this debt, and I did not have the opportunity to dispute it before it appeared on my consumer report.
Consumer complaint received 2018-11-20
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (PA)

Navient Loan Servicing is contacting me daily via my personal phone number, my work phone number, my brother through phone, my personal postal mail, postal mail to my work, and my brother 's postal mail in order to collect a debt. In XXXX of 2018, I received mail correspondence stating that if I made 3 payments in the amount of {$60.00} for 3 months in a row, my account would be considered up-to-date. I made the 3 payments and the calls and letters still continue. They called my work phone number on XX/XX/18 wanting me to verify my social security information which I refused to do ( I do not have the privacy to give that information out over the phone at work, plus they should have that information if they are trying to contact me so much, even after I'm doing what they are stating that I should do in their letters to bring my account current. ) I am tired of being harrassed by them for following the requirements set forth in their correspondence with me regarding this matter.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (MA)

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- self, XXXX XXXXXXXX
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (FL)

I received a call from an unknown number stating that a certified letter was going to be delivered to me on XX/XX/XXXX between XXXX and XXXX XXXX. I was instructed to call XXXX and refer a reference number to prevent any further action. I called the number and was told that Wells Fargo, previously known as XXXX XXXX is filing a law suit against me for a debt that I owe on a checking account. My checking account was closed with that bank 15 years ago. I attempted to call the bank but without the account number, I did not get anywhere.