davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
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)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-04-09
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. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX  XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-25
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 current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-04-09
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. (FL)

I recently reviewed a copy of my credit report and I notice I had fraudulent accounts on my report. Please remove these accounts from my reports ; they are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

XX/XX/XXXX I found a charge on my ASHLEY FURNITURE/ synchrony bank account in the amount of XXXX I contacted synchrony bank to tell them about it. This card had a balance of XXXX dollars as it had been recently paid off. I contacted them right away to resolve the issue. It took me calling them on 3 separate occasions before it was even reported as fraud. It is currently under investigation. However they are still charging me monthly payments on the account the balance is now up {$1500.00}. This is not the first issue I have had with them as a potential fraud took place in XXXX of XXXX and lead to them reducing my credit line from {$3000.00} to {$250.00}. The company has been jerking me around and messing with my credit since shortly after opening the account.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have at least 3 charge per month of an overdraft fee for insufficient funds, this been going for what i can see 2022 ( XXXX ) All of them for at least {$10.00}. I have been calling, but they said those are normal charges.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had money taken from my account, showing on my statement like when an automatic propane machine at XXXX failed to disburse the product and after contacting the propane company they said they refunded the money but now there is no evidence of the money coming out or being refunded and was told by bank of america that when the money is refunded they remove it from my statement. Now I have no record of it coming out or being returned which has happened more than once, I do not believe the money was ever credited back to my account.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

From XXXX XXXX XXXX, 2023, I deposited business checks into my bank account. Unfortunately, the company that issued the checks was a victim of theft and their bank account was compromised. I made this known to the bank last week. I was then told that a hold was placed and it was supposed to be released on the XXXX of XXXX, 2023. I then for security reasons opened a new account on the XXXX of XXXX, and I spoke to XXXX XXXX XXXX and I made an appointment with him for the XXXX of XXXX, 2023 at XXXX. When I met him, everything was up and running. Two hours later my account ( XXXX ) were frozen with no explanation. I had to make numerous phone calls a return trip to see XXXX XXXX, further communication to XXXX XXXX the branch XXXX at the location I went to at XXXX XXXX XXXX XXXX. XXXX. XXXX, FL XXXX. I have over XXXX frozen over an issue I did not cause. I was supposed to receive a call from a retail specialist supervisor, and that person never called me. I am without my money and I am not sure when I will get it, and I am a XXXX person and I need my money.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-13
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: SYNCHRONY FINANCIAL (MS)

JCP account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: DISCOVER BANK (NC)

I was pre-approved for a loan at a set amount and interest rate by Discover Home Loans. 

On XX/XX/2024, the loan came back for less than expected and with a higher interest rate due to the valuation, which did not include an ADU ( additional dwelling unit ) on our property. I submitted a form for reappraisal, specifically noting the error. 

On XX/XX/2024, I was asked for information on the ADU, to which I responded. 

On XX/XX/ 2024, I received the new appraisal, which had decreased by {$35000.00} instead of increasing as expected. Upon review, I saw that the new appraisal not only ignored the ADU but also decreased our bedroom count by XXXX, our bathroom count by XXXX, and our square footage by over XXXX sqft. I could not find county documentation of the room makeup but provided information on the ADU and corrected square footage. I asked how these erroneous changes were made on this " XXXX XXXX XXXX '' appraisal but received no response. I sent a second request for a correct appraisal, noting the errors. On multiple occasions, I mentioned I was open to an in-home appraisal to correct these errors. 

On XX/XX/ 2024, I received the new appraisal, which, as far as I could tell, was the exact same one with just {$10000.00} added to the value. No errors were corrected, and the ADU was not included. I asked more questions about why the errors were not corrected and expressed my frustration. I was requesting a very clear and simple correction that was being ignored. On XXXX XXXX, 2024, I was assured it would be looked into and that I would receive a response. 

On XX/XX/2024, I was informed that no further adjustments to the house value would be made and that I had to accept or reject the loan at the elevated interest rate. Given my clear and simple points to correct the appraisal, and considering the insertion of errors in their favor that did not exist before, followed by their refusal to correct them, I suspect this is not incompetence but a deliberate method intended to unfairly raise interest rates.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AZ)

When I was banking with chime ( i left this account open with XXXX just to make sure i have access to evidence ). The " customer service '' and " fraud department '' took XXXX out of my account. I was told it was for verification purposes. I called multiple times about a refund of close to XXXX from XXXX. When the customer service put me over to fraud department they made me download a couple apps. One was a screen manager. I guess it's like if someone has an IT issue they could see your screen from their computer. They coached me to send the money for verification purposes. If you notice in one of the pics it says that as a description under the person 's name. I have no knowledge who these people are. All I know is Chime is a scam and they have people who are predators to take advantage of others. I have not been able to speak to 1 person who is fluent in English so they can understand my side of this and just blame me fir their company 's issues
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TX)

I called on XX/XX/XXXX and spoke to an agent, their supervisor and the supervisor 's supervisor. I asked for a 1099 given I received a taxable ( according to IRS rules ) account bonus in XX/XX/XXXX. Agents kept repeating that they only issue 1099 INT for interest. I said that's fine, but they should produce a 1099-MISC or some other form. Bank refuses to issue 1099s for taxable income and this is against IRS rules/regulations.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

As of XX/XX/XXXX, according to Mohela 's tracker, I had XXXX payments to go in order for XXXX loans to be forgiven. Also, according to their tracker, I had XXXX payments to go on the remaining XXXX remaining loans. This was based upon my last XXXX form submitted in XX/XX/XXXX. Please see screen shot attached. 

After submitting my new XXXX in XX/XX/XXXX, instead of having the XXXX loans forgiven and the remaining XXXX loans reduced to XXXX payments, Mohela 's tracker, now claims that I have XXXX more payments to go on the XXXX loans and I still have XXXX payments for the remaining XXXX loans. Please see the document they sent me on XX/XX/XXXX. 

This company is attempting to add on payments and is trying to cheat those who qualify for loan forgiveness, and I want them held responsible.
Consumer complaint received 2024-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

28 U.S. Code 1738B Full Faith and credit for child support orders- ( c ) Requirements of Child Support Orders- State on orders Louisiana ( NOT TEXAS ) 18 U.S. Code 1509 - Obstruction of court orders Title 42 Sec 1983 Tite 18 USC Sec 242 Deprivation of rights. Makes it a crime for a person acting under " color of any law '' to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States. 
I have no Texas Child Support Orders by a judge.
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.
Consumer complaint received 2023-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I signed up for auto pay and noticed that the auto pay date scheduled auto pay was well past my due date. I called customer service and they told me to make a payment before my due date on XX/XX/XXXX. I made a payment for {$1100.00} on XX/XX/XXXX. Without warning, Navient made a withdraw from my account even though auto pay was deactivated for {$1100.00}. My checking account is negative and I am unable to make my rent or feed my children. 

Furthermore, Navient has posted inaccurate late payments on my credit causing my credit score to drop by XXXX points. My loan was in forbearance from XX/XX/XXXX to XX/XX/XXXX and Navient has posted XXXX late payments during that period. 

My credit is ruined and unable to get a credit card. My checking account is negative all because of Navient.
Consumer complaint received 2023-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/2021 I created a XXXX account which someone gained access to unbeknownst to me they applied for Paypal credit. While attempts were made to pay the credit back at a point I was unable to continue payments and payments stopped. I was unaware of the credit sepugte process so I attempted to pay the debt. Once I was made aware I disputed with XXXX that it wasn't my debt despite it being in my name but the debt was never placed on its original owner ( Unaware of who gained access ). I've recently had an issue with someone gaining access to another on of my paypal account and while I attempted to cancel the account paypal has only allowed me the option to limit the access on my account.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

A demand letter was sent to Capitol one dated XX/XX/2023 and I didn't receive any response. Now I am taking this matter to a whole new level being that Capital one want to continue to lie and disrespect me along with assassinate my character steal my money aggravate me cause me all this pain anguish and frustration when all they had to do is look at the date and time on my paperwork. I am gon na file a lawsuit on the matter then maybe I'll get my money back from these apathetic self righteous, people. I still do business with capital one. It was {$300.00} they took out my account. I sent Capital one my proof and to no avail still no resolve. My claim will be for {$5300.00}