davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-15
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. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : 1. Transunion 2. XXXX 3. XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child. 


15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

( THIS IS ON TRANSUNION WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (OH)

I received a US Bank Reliacard for which I did not apply on XX/XX/XXXX XXXX.They have cancelled the card at my request. I have placed fraud alerts on my credit reports and frozen my credit.
Consumer complaint received 2023-10-15
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  Acct # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, Has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States That A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.
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. (IL)

My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.
Consumer complaint received 2023-10-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: E MORTGAGE MANAGEMENT, LLC (NJ)

On XX/XX/2015 I was instructed by XXXX XXXX at Fortren Funding XXXX Id XXXX to issue a cashier 's check to a well known title agent. Before XXXX XXXX arrived to my home, she had contacted me earlier that day and instructed me to make the check payable to " I Abstract Title Agency '' She mentioned that she was working for '' Abstract Title Company located in XXXX New Jersey. '' When XXXX arrived at my home she presented XXXX different affidavits and had warned me that the title company had mixed up my identity with my late father 's identity. However, I noticed that XXXX had signed another 's name ( XXXX XXXX ) and was using tracing paper as well attached to a document that I partially signed ... ... ..So I then obtained a witness to watch me sign the correct affidavit stating that I was SOLELY named XXXX after my late father. Well. since then I have submitted numerous and repeated complaint amongst ALL these no good individuals where justice is now taking place and will be served on my behalf whatever it takes at this time after XXXX LONG years ... ... ... ..justice will be served
Consumer complaint received 2023-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

Prior to XX/XX/XXXX  I had a checking account and savings account with chime bank ( XXXX XXXX ). Unfortunately I was XXXX  for a short period of time but when I was released I noticed that my accounts were closed. The customer service said that since I no longer had the phone number that was connected to that account that there was nothing they could do. I even offered to email a copy of multiple forms of identification but they refused to be of any help. I know for a fact that these two accounts help over XXXX US dollars as I had just received a direct deposit the night I was XXXX.. Ive been trying for over a year to gain access to these accounts and to my money but have been stonewalled the entire time
Consumer complaint received 2023-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (WA)

For years I had a XXXXXXXX XXXX XXXX for XXXX XXXX, the payments were by auto pay. Starting in XXXX through XXXX I was on several cruises in a row. My mail is held during this time. On arriving back home I discovered that XXXX had sold account to Wells fargo card. The transfer took place XXXX, by this time the acct. was reported as 30 days late. I have had Wells fargo for almost 30 yrs and have never been late on the several accts. and loans that I have had. My credit score went down XXXX points because of this. I explained this to Wells fargo and tried for 2 months with the help of a banker at my local Wells fargo branch to remedy this. On XXXX I received a call from XXXX XXXX from Wells fargo executive office stating that in XXXX my statement alerted me of this change. I pulled up both XXXX and XXXX. statements and nothing was mentioned pertaining to this. I am XXXX yrs old and have worked hard to maintain my good credit score and this is unacceptable.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : XXXX. XXXX XXXX. Equifax XXXX. XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child.

15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

( THIS IS ON XXXX WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT
Consumer complaint received 2020-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I am a victim of a scam in which the seller never shipped me the item I paid {$780.00} for on XX/XX/2020. They said they shipped the item but demanded XXXX gift cards in order to activate the USPS tracking number. This is when I realized I had been scammed. Prior to realizing this, I paid through XXXX, which I accessed through my Fifth Third Bank account. I contacted XXXX and they said they couldnt do anything to help me considering XXXX is separate from them and I was aware of the transaction. It is extremely misleading when XXXX provides XXXX as an in-app service but is not willing to backup or investigate clear acts of fraud and scams. XXXX is advertised as a similar service to XXXX XXXX an organization that does provide transaction security ), and in the process provides a false sense of security to its users. If Fifth Third is going to automatically attach XXXX to my mobile banking account, they should more clearly specify that they are not willing to help in the case of a financial scam ( even though they should ). Instead, I was tricked by not only the scammer, but also Fifth Third Bank.
Consumer complaint received 2018-05-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Loan No. XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In my initial contact with Select Portfolio Service Inc, I request to Select Portfolio Service to validate their claim of debt owed by XXXX XXXX, after countless threatening letters which includes notice of default and right to cure from Select Portfolio Service Inc, they stated " that they were the holder of said promissory note and it was available for my inspection in the State of Utah ''. As a Servicer/Intermediary between XXXX XXXX banking institution and XXXX XXXX, I gave specific instruction on where to redeem said note with allonge attached to the appropriate obligor. I have fully acknowledged said Warranty Deed which is required by law as well. I XXXX XXXX have exhausted all legal and lawful remedies in trying to satisfy my obligation with said mortgage company, and to make matter worse the mortgage value is not reflecting the state property value in any way. 

Thanks you for your attention to this argent matter XXXX XXXX
Consumer complaint received 2020-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NJ)

I called into the wells fargo branch in XXXX, new jersey and asked about the {$300.00} business checking promo they have going on. His name is XXXX XXXX. We set up a time XXXX XX/XX/21 XXXX XXXX to set up my account in person. He created the account but never added the bonus. They're refusing to honor it. Even worse, they refuse to close the account for me unless i come into the branch. It took me an hour to open in person last time and i don't wan to go in there with the coronavirus getting worse and worse. Please help me get the XXXX checking bonus.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Deposit a cashier check into checking account on XXXX XX/XX/2023. After 10 day waiting period when to bank to withdraw some money that was when I was told my account was frozen and had to get in touch with the fraud department. I checked my voice messages and a XXXX XXXX had left a message the day before.So I returned his call at which time XXXX told me that the person who send me the cashier check had to go to the bank in her area with two forms of identity to say she did send the cashier check her bank verified that the cashier check was good.But XXXX wanted to know why I was getting such a large cashier check from the lady. She told him why but he still wanted to know from/for what business. I had to submit my paperwork from the State of Ohio that I do have a business register. That's when XXXX started accusing me of being scammed to being involved in a scam to being involved in a fraud money laundering. Now XXXX want paperwork that I had given the lady money to invest for me and XXXX is now saying the money belongs to a third party but he wouldn't give me the name of that person. XXXX has been rude disrespectful toward me and even hung up on me.
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FORD MOTOR CREDIT CO. (FL)

I bought a XXXX Ford XXXX XXXX through Ford Motor Credit. I paid the loan off. Ford has never reported this to the credit bureaus. I have been on the phone with them three different times each time they say they will take care of it but never do. They finally sent me paperwork saying that I bought the van through them and paid it off. I sent all this information to XXXX and XXXX. with explanations about everything and neither one of these companies have done anything to help me I need this reported on my credit.
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Started dispute with Transunion on XX/XX/2023. It has been eight days and they will not allow me to request an updated credit report. Also I do not see that Transunion notified the furnishers within 5 days of starting this dispute. Currently Transunion has started the dispute and is not complying with the FCRA.
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: EQUIFAX, INC. (NC)

I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing XXXX XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-10-14
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. (NY)

Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.
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. (NC)

I mailed a letter on ( XXXX  ) ( they received it on XXXX ) stating that there was fraudulent /hard inquiry on my equifax report and they said I didnt tell them what inquiry it was when I clearly precipitated it to them in the ID theft letter.
Consumer complaint received 2023-10-14
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. (CA)

1. **42 USC 408** : If TransUnion improperly handled Social Security numbers , such as using them without proper authorization or for purposes not permitted under the law, it could potentially be in violation of this statute.

2. **15 USC 1602** : This is part of the Truth in Lending Act. If TransUnion misrepresented credit terms or failed to provide necessary disclosures, it could be in violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply to TransUnion unless there's an issue with a specific financial instrument at play. For example, if TransUnion were to issue a negotiable instrument that doesn't meet the requirements outlined in this statute, it could potentially be in violation.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

On XX/XX/2023 I was issued provisional credit on my account for an unauthorized transaction I filed a dispute for. On XX/XX/2023 I made several transaction moving money in and out of my account. I placed an order for XXXX online to be picked up in two hours, 3 items totalling {$78.00}. Upon looking at my account ofcourse the outgoing money was deducted from my account but still under the pending section of my account. Not even an hour after the transaction was done I received an email as well as phone alert from XXXX saying that two items I had ordered weren't in stock so that left one item only available to be picked up. Which was only {$5.00}. Being since the more important 2 items were canceled I then shortly after decided to cancel the one item as well. Me thinking that my funds would be returned to my account once the payment posted and was no longer in pending state. My assumption that posted transaction meant that all refunds payments were received and The transaction needed nothing more because it was considered completed. However the posted transaction that was pending at {$78.00} had posted as {$5.00} and still no sign of the the money from the other two canceled items on the same order that had been canceled and according to XXXX returned in the same day. Yet once the payment posted. Still nothing in my account. Do do apparent foul play on Chime Banks behalf. I contacted Chime in hopes to resolve the issue only to be asked the same questions repeatedly and directed to several different XXXX to some other department to so called better help me with my case Today I've been sitting all day in hopes for a resolution for someone to get a clue do the math and see that my funds are missing have apparently disappeared to somewhere but what I can sucks you is it sucks that we people have put our trust and faith in such an unprofessional establishment and trust that these people holding such incompetence. That simple adding and see that my money is missing and make the needed corrections instead I waited days to get some automated response not even in relation to what I'm taking about. I want my money plus some for the hard time and the struggle. Money in compensation for my time spent waisted in attempt to reach out to them in hopes to come to a resolution. But that's gotten me nowhere. Thanks for taking the time to review and my complaint.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (NC)

These reports are incorrect. I have requested that the credit companies remove them but they have not. The dates are wrong, the accounts are wrong altogether. 
I have sent validation letters to all 3 bureaus. XX/XX/2023 I have disputed them multiple times, XX/XX/2023, XX/XX/2023, and XX/XX/2023.