davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding the mishandling of my credit report, which is causing significant financial impact and distress in my life. On XXXX, I sent a dispute letter to address inaccurate and unknown items on my credit report. Shockingly, over 30 days have gone by, and I haven't received any response from the credit bureaus. The Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), mandates a 30-day investigation period for such disputes. The credit bureaus ' lack of response raises concerns about their compliance with this crucial requirement. As a consumer, I have the right to demand the immediate removal of these inaccuracies from my credit report if they fail to respond within 30 days. Yet, I feel as though my concerns are being ignored, leaving me with mounting financial stress. I must also bring to your attention that I have been affected by the XXXX data breach. This breach might have contributed to the inaccuracies plaguing my credit report, further complicating my financial situation. I urge the Consumer Financial Protection Bureau to intervene and thoroughly investigate this matter. The credit bureau 's prolonged inaction has caused me significant distress and financial hardships. I demand immediate attention and resolution to rectify these inaccuracies. As a concerned consumer, I am ready to take legal actions if necessary to protect my rights and financial well-being. I trust that the Consumer Financial Protection Bureau will act swiftly to address this matter and hold the credit bureau accountable for their actions. Please delete the negative inaccurate accounts from my credit report! Thank you for your urgent attention to this complaint. I look forward to a prompt resolution to this distressing situation.
Consumer complaint received 2024-04-18
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 writing about my previous attempts to address the fraudulent items on my credit report. Despite multiple efforts to rectify this issue, the fraudulent items persist on my report, adversely affecting my financial standing and peace of mind.

Furthermore, I ask for transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential.

I kindly request a thorough investigation into these fraudulent items and their immediate removal from my credit file. I have attached supporting documentation once again to facilitate the process. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (FL)

I did some online work and was supposed to be paid {$100.00}. 

I got an email from Wise saying the payment was ready, which included a link to set up an account. I was not able to set up the account because my bank does not have an XXXX number. When I tried reaching out to Wise, I was not able to get a real person, only a bot which wouldn't connect me to a real person without an account number. 

I tried explaining that I don't have an account number because the website wouldn't let me sign up, but still they would not let me talk to a real person. 

I tried setting up an account manually, but the website would not allow me to see any account information unless I deposited {$20.00}. 

I tried reaching out to them again, was told that a customer service rep would be with me shortly. An hour went by and I asked how long it would be, and was immediately sent back to the bot.
Consumer complaint received 2024-01-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I tried XXXX cell plan. After trying repeated attempts to improve service with tech help from XXXX we determined my home is in a dead zone. I canceled service on XXXX day. Then I get hit with collections. On XXXX XXXX removed this ( report # XXXX account # XXXX ) and deleted it from my credit report. It never should have been charged since I canceled XXXX service after XXXX  days of terrible service. Then it was deleted from my credit report in XX/XX/2022. Now its back again as IC SYSTEMS COLLECTIONS # XXXX for {$120.00} with about {$30.00} in fees and interest added to the amount. I have tried to get this removed, I never used the service because they couldnt provide service to me. The calls I made were all recorded for quality purposes. Ive requested copies of them several time, never get a response. 
Thanks, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I am lodging a formal complaint against Truist Bank for their failure to provide adequate customer service and accurate information regarding my account documents. On XX/XX/2023, I contacted Truist Banks customer service for clarity on my personal account deposit agreement, specifically regarding the processing of social security XXXX payments. At my previous bank, such payments were accessible up to XXXX days earlier. 

To my dismay, the customer service representative declined to discuss this matter and instead, directed me to visit a branch. This was not feasible due to my work hours overlapping with the branchs operational times. Upon requesting to speak with a supervisor, I was eventually connected, but received only a subjective interpretation of the deposit policy. When I insisted on receiving the policy in writing, the supervisor placed me on hold, which resulted in a call disconnection.

Moreover, Truist Banks claim that account information is readily accessible online through my business account is misleading. The only document available is the online banking terms and conditions, which does not cover the necessary details.

I assert that Truist Bank has been deceptive and negligent in failing to provide customers, including myself, with physical copies ( whether through email, online account, or postal mail ) of crucial documents such as account terms and conditions, deposit agreement, and fee schedule.

This experience has left me with serious concerns about Truist Banks commitment to transparent and customer-focused service.
Consumer complaint received 2023-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the fair reporting act this creditor has violated my rights. Under 15USC 1681 sec. 602 states i have the right to privacy. Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Services of Michigan (MI)

The XXXX XXXX XXXX XXXX has illegally sued me regarding a small fire that was very easily contained and controlled, which was extinguished and completely put out well before the XXXX XXXX XXXX Department had even arrived. They stuck me with a bill of {$1300.00}, which was originally declared as {$1500.00}. The fire in question occurred on a property that I didnt even own! I told the Chief of the Fire Department that the fire was not an emergency, but he ignored what I tried to tell him. It was extremely visible that the fire was fully extinguished, and Chief XXXX XXXX of XXXX XXXX XXXX Department continued to order his crew to deploy the fire hoses and douse the no longer burning fire. I had NOT signed and actually refused any documents he angrily demanded I put my signature on, declaring the incident my fault. For the last 4 years he has been pursuing collecting money from me that I Am NOT responsible for or to pay.
Consumer complaint received 2024-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I received a call from someone named XXXX from Bank of America who stated he was calling regarding a forbearance. 

I asked what day does it start and end. Per XXXX it starts on XXXX. I then ask what happens to XX/XX/ and he basically talked in circles. I repeated the question again but rephrased it. A nightmare. 

It was a simple question that should have an answer somewhere at Bank of America. After going round and round, he finally said XXXX is covered? What should have taken 30 seconds to answer turned into five minutes of confusion. 

I still dont think he knows. I then asked about the repayment options and he stated it could be this it could be that. No one knows until the forbearance ends. 

I then stated that cant be because the first forbearance they provided the repayment options at the time the forbearance was approved. 

Also my investor publishes the repayment options for forbearances. However, apparently my investor hasnt made Bank of America aware of these options.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance Owed : {$600.00}.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was at the ATM machine on XXXX XXXX XXXX in XXXX Texas the machine number is XXXX and the machine took XXXX XXXX dollars from me I was trying to get it back but it wouldn't let me that's my rent money all I got was XXXX I have the receipt in the time it was at XXXX XXXX I didn't see a selection for ATM taking your money
Consumer complaint received 2023-07-26
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. (NJ)

In accordance with the fair credit reporting act XXXX Account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX account XXXX XXXXXXXX XXXX XXXXXXXXr account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account # XXXX, account # XXXX. 

15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnisha account without my written instructions.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; 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 2024-01-04
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Pressler & Pressler, LLP (NY)

I was never contacted from this company via phone, email or us mail and according to original debtor it was sold to this law firm. They sent a letter to my employer asking for my social security number and banking information as well as a copy of a judgment I was never even served with. Not once have they contacted me or written any letters. I tried to call and your put on hold for hours and nobody picks up the phone.
Consumer complaint received 2023-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

Account name : XXXX XXXX  XXXX, XXXXXXXX Account name : XXXX XXXX XXXX, XXXX Account name : XXXX XXXX, Account number XXXX  Account name : XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX FXXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MN)

Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.
Consumer complaint received 2024-04-18
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FLAGSHIP CRE XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SYNCB/SAMS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-18
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. (MO)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2023-09-29
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

As of today XX/XX/, my checking account has a negative XXXX .Chase has taken 8 overdrafts fees from my account. Half of which is due to all the overdrafts fees. I recently had a death in my family therefor I haven't been working my full time job nor working during the holidays. I called Chase and provided them with this information, the representative was kind enough to take away 3 of the 8 overdraft fees that I have .And also suggested that I try calling back again to take another 3 off. I did and the next representative stated that nothing could be done. I am trying my best to keep account up to date but with all the over drafts fees its becoming harder and harder to maintain my checking 's account open.