davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
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 whi
ch 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 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-01-08
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. (NY)

Hello! I recently review my credit report and i was shocked to learn that ive been a victim of identity theft. I found account on my credit report that were not opened by me. This has been hurting me as im in a process of buying home for my family. Please remove this fraudulent account from my credit report as soon as possible.
Consumer complaint received 2023-11-23
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. (VA)

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 2023-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VA)

I reached out to chime in XXXX for fraudulent charges on account because I didnt have my card or phone anymore the rep asked me to verify the last 3 charges on the account but I couldnt because I couldnt log into to update my phone number because the last phone was taken had to wait for a new card which took forever for me to receive I finally was able to update my phone number to get into my account theres a lot of charges on my account that are unauthorized and they keep denying the claim even though the charges are not in my name chime is literally trying to keep my money for charges that I didnt even do
Consumer complaint received 2023-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc. (MD)

Upon signing up for this service to help build my credit. I wasnt made aware of the amount of interest I would be charged. The problem happened when I decided to pay the remaining XXXX dollars of my XXXX balance needed to open my credit card account. Once you reached a savings amount of XXXX had XXXX months of on time payments with an account in good standing. You would be eligible to open the card. Upon doing so on XX/XX/2023. I had all three needed requirements completed. Noticing the updates on my account but no access to opening the card I contacted self. I was first told I didnt have the money and the payment I made applied to my interest and not my savings. The worker then came back on the phone after placing me on hold and told me that the money did go through I would just have to wait 5 days for it to process. I wait 5 days and within those XXXX days the money I had put into the account began to decrease. What was XXXX was not XXXX next day, XXXX the next day XXXX and today XXXX the XXXX XXXX. When I contacted them about the decrease I was told that money was being taken and applied to my interest. However with loans Ive never had this experience where money Ive already paid was continuously taken and added to my interest daily. Especially since this is a savings account. When asked how much they could not tell me an answer nor could they fully explain why. Upon learning all of this I feel this needs to be reported and looked into. They do not make customers aware of this when starting out. In essence it makes it difficult to save if your money is constantly being taken and used, especially when you make payments towards the interest and principal monthly. So what is the need for the extra being taken without my knowledge or consent? As of today even with all checklist marked off an account in good standing and a amount of over XXXX dollars saved up. I have still yet to receive my invite to sign up for the card. And my money in my savings continues to decrease. I just want to be sure all that is going on is legal and appropriate. I do plan on closing the account early but only once this is completed.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-11-23
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. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (FL)

This is my third of fourth time contacting you and having Wells Fargo " attempt '' to contact me and resolve my issue. 


The first time I was assigned to XXXX XXXX. XX/XX/XXXX The second time ( XX/XX/XXXX ) I was assigned to XXXX XXXX who I played phone tag with for over a month. The last voice message said that WF had a resolution to my complaint and I would be receiving a letter. The letter said they did not have enough information to find the foreclosure. They never asked for it. 

So the third time I finally reach the representative ( don't have his name ) and we spend an hour on the phone while I contact the XXXX XXXX Regional Courthouse to get the information they wanted, specifically the street number. That was that. 

The fourth time was last night XX/XX/XXXX at XXXXXXXX XXXX when the agent wanted to know what the addresses were again. He said that there was nothing in the notations. I was irate. This is abuse on top of injury. 


What happened was in XXXX Wells Fargo foreclosed on my home ... .swiftly and when toward the end I tried to give them the back mortgage money, maybe 3 or 4 months, they would not accept it. They took my {$40000.00} equity. My credit score was XXXX at the time. I became XXXX and went into great trauma that I am still recovering from. These people are the XXXX of the earth.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian for starters says they havent reviewed any disputes on the items Ive been disputing for the past 7 months, they said that they have not received a dispute from me since XX/XX/2023 which I myself have filed 4 times myself since then and also with a credit repair agency called XXXX XXXX which I had them file with all three bureaus which was well after XX/XX/2023. The creditors that Ive been disputing were for accounts I had during the COVID 19 pandemic, those disputed items reported charged off in the midst of State and Government closures here in California which I had a loss of my UI benefits due to no fault of my own and took two years to have my appeal hearing which was in XXXX on the XXXX XXXX XXXX XXXX which I won but the CA EDD refused to honor the judges decisions on my case and said they couldnt pay me what I was supposed to receive after winning the appeal due to the EDD was out of pandemic federal money and couldnt pay me our what I was owed and refused to pay me all the money that took as overpayments. I also had paid those creditors I have been disputing for their own credit protection services which the creditors are not honoring as well as the cares act credit protection and Californias implemented laws for protection for consumers during COVID 19 pandemic as well.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (AL)

On XX/XX/23 I received a missed payment on a loan I paid XX/XX/23. I reached out and received several conflicting answers now they are saying even though I paid on the due date they applied that payment towards my XXXX payment and my XXXX payment is still owed. I want the loan to reflect the payment I made for the month I made.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Wyndham Rewards Card ending in XXXX XXXX Stayed at XXXX  XXXX XXXX XXXX XXXX XXXX POINTS. NO CHARGE on checkout receipt. XX/XX/XXXX XXXX from XXXX of {$76.00} from XX/XX/XXXX on Barclay 's XXXX bill. Called Barclays, called hotel as they requested. Spoke with clerk, who confirmed no charges generated from hotel. XX/XX/XXXX Called XXXX, spoke with manager, who confirmed NO {$76.00} charge from hotel, points were used, emailed me copy of XXXX balance bill. Bill and cover letter sent to Barclays. XX/XX/XXXX XXXX dated XX/XX/XXXX from Barclays, NO credit due to " not provided with proof of altered amount or paid for by other means ''. Called Barclays supervisor XXXX, she confirmed that points were used for stay, stated this is not a disputed but a fraudulent charge, would place fraud report, close card, issue another one. New card received in 1 week. XX/XX/XXXX Same fraud charge on XXXX bill. Called XXXX at Barclays, he stated fraud refund was in process for XXXX. XX/XX/XXXX Amount of XXXX Bill, called Barclays, spoke with XXXX and her supervisor. They state dispute was closed, charge is due, no record of fraud report. I have been victimized by fraud and Barclays, was in XXXX NM on XX/XX/XXXX and have proof of points used and no bill from XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received notification from Bank of America that they were reducing the credit limit on a credit card they think I have with them. I do not have a Bank of America credit card and think they opened it fraudulently in my name.
Consumer complaint received 2023-11-23
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. (GA)

Transunion needs to remove these fraudulent inquiries off my credit report I did not authorize anyone to use my credit, please remove these fraudulent inquiries immediately, I am a victim of identity theft, Im filing this complaint because my credit report was used with out me knowing, I want these remove, Im sending a screen shot of all the hard inquiries on my report, do not put no fraud alert I just want these inquiries to be processed immediately and removed thank you.
Consumer complaint received 2023-11-23
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. (TX)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This company has been reporting negative information on a charged off account and I as a consumer is entitled to my privacy and fair credit consumer act says and also I ask them to verify the account, showing my signature for the account, and they have not sent anything with my signature about this account 15 U.S. CODE 1692 ( YOU HAVE A RIGHT TO PRIVACY ) 15 U.S. CODE 1692 ( C ) ( A ) - A DEBT COLLECTOR HAS TO HAVE YOUR CONSENT TO TEXT, CALL. OR EMAIL YOU
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I bought a refrigerator from XXXXXXXX XXXX in XXXX of XXXX. I made the huge mistake of getting a XXXXXXXX XXXX credit card in order to take advantage of the 5 % discount. Never again. 

The refrigerator was defective and made a sound like a bone breaking when I opened one of the doors. I paid the bill in full before the end of the month, and I waited for a couple of weeks to make sure the horrible noise wouldn't just go away with use. It did not. 

I went to the store in XX/XX/XXXX and asked them to swap it out. That put into motion the biggest ordering-delivering-accounting snarl I've ever encountered. Instead of just swapping out the refrigerator, they required me to order a second one because " they couldn't show 2 refrigerators out of inventory at the same time. '' It's hard to believe they had not encountered this situation before -- do they really always require a person to buy a 2nd refrigerator when the 1st one is defective? I ended up returning the 2nd refrigerator also, because it had a loud high-pitched whine. I ordered a 3rd refrigerator of a different brand, but before it could be delivered and the 2nd one taken away, XXXXXXXX XXXX called or emailed me to tell me it was not in inventory. I was completely disgusted by the whole mess and the HOURS AND HOURS I'd had to spend to try to straighten it out. I made many, many phone calls and at least 5 trips to the store. I gave up and bought a refrigerator from XXXX XXXX. I called XXXXXXXX XXXX  and had them pick up the 2nd refrigerator on XX/XX/XXXX. After that, I DID AND DO NOT HAVE A SINGLE REFRIGERATOR FROM XXXXXXXX XXXX. I also destroyed my XXXXXXXX XXXX credit card and will never buy anything from them again. 

The snarl was so tangled that at one point they showed I owed them for 4 refrigerators. XXXXXXXX XXXX told me they couldn't straighten it out and I would have to contact XXXXXXXX XXXX 

After requiring me to spend many more hours writing, calling, and faxing letters, XXXX investigated and decided in my favor. I received a check from XXXXXXXX XXXX for the amount I had paid for the 1st refrigerator in XX/XX/XXXX. It seemed the horrible ordeal of dealing with them was over. 

That, however, was not the case. After some time, XXXX somehow forgot about their decision and started trying to collect money from me again. They again put lots of false information on my credit report. I told them on XX/XX/XXXX in a letter, which I both faxed and sent through USPS mail, that I would not contact them again ever, but if my credit report were not straightened out and all adverse events on it removed, I would contact CFPB. 

Their records and my credit report are still mangled. XXXX has begun phoning and mailing me again. I ask for your help to end this horrible ordeal and restore my credit reporting.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (LA)

Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed Stash investment account that was issued back in XXXX XXXX XXXX and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're working on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last XX/XX/ I've been on this matter. Around XXXX last year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since last year XXXX, I have not yet received any valid update regarding my funds from XXXX Investment or XXXX XXXX XXXX and even 53rd bank.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-03-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Tesla, Inc. (MA)

I leased a car in Massachusetts through Tesla Finance in XX/XX/XXXX. When my XXXX XXXX XXXXXXXX XXXX XXXX stopped working for a period of time, and it took me awhile to get a new one, I called XXXX XXXX and they said they would either take the tolls off my credit card ( which was on file ) or bill me until which time I received my new XXXX XXXX. So, I assumed I was being billed and had no reason to think otherwise as I had received no violation notices. 
When I tried to reregister my car in XX/XX/XXXX, I was told I could not because of outstanding XXXX XXXX ( XXXX XXXX ) violations. Apparently the violation notices had been sent directly to Tesla and they were never sent to me which is in violation of N.Y. Comp. Codes R. & Regs. tit. 21, Section 201.8 ( Section 201.8 ) pertaining to toll violations committed over New York State bridges.

Because these were Tesla 's violations, XXXX XXXX and the collection agency refused to give me any specific information or allow me to pay the violations because Tesla was the registered owner and only Tesla could pay them. It took Tesla a total of XXXX months to pay the violations during which time I was being charged for my lease but could not legally drive my car. 
Now Tesla is demanding I pay all the violations and fees, which total {$8300.00} ( most of the charges are late fees incurred because Tesla failed to notify XXXX XXXX that the notices should be sent to me ) and has charged me for XXXX months of my lease when I could not drive my car. 
**Please see 30 Day Demand Letter attached and additional back-up which provides more detailed information.