davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
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. (NV)

I sent the letter to XXXX, TransUnion, and XXXX on XX/XX/2022 it's been over 30 days and I still haven't received anything back. According to 15 Usc 1681i ( a ) ( 1 ) ( A ). XXXX transunion and XXXX have 30 days to respond to my dispute. This is the violation of my rights.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

I purchased a product ( auto part ) from a merchant, and when I received this product it was faulty/broken. The company refused to refund me for the product. I bank with Regions Bank and so I filed a dispute about this transaction. I was told that because the merchant used XXXX to process their credit and debit cards that they would not provide me with a provisional credit or protect me in any way. Every merchant uses a third party to process credit and debit card transactions, just because this company uses XXXX does not mean they get to XXXX people over and nothing can be done about it. Regions failed to protect me as a customer in the most basic sense of the word. I will be banking elsewhere as soon as humanly possible, but I do not want this organization to get away with this kind of treatment and or policy.
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, 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. (MA)

I noticed my TransUnion score with credit karma declined almost  XXXX  points. Upon further investigation I noticed  XXXX  recent credit inquiries on my report that I did not authorize. I called transunion and spoke to a representative and she would not help me or assist me in removing these. They are from   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX ,  XXXX  and   XXXX   XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-01-07
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: EQUIFAX, INC. (GA)

This is my 5th 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 alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Comerica (OK)

On XX/XX/XXXX, I ordered a direct express paycard by calling the social security administration and was told it would arrive in 15 business days which would be XX/XX/XXXX. 
I never received the card and called to cancel the request and was told they have no record of it and I was told to call the card company directly who directed me to the U.S.Treasury department who had no record of my order for my XXXX benefits to be direct deposited to the card monthly. 
I randomly call the SSA to make sure that my bank account number hadn't been swapped with the benefit card that I ordered but never received and have since attempted to cancel though they have no way to cancel but show that there is no card number that took over my social security number payroll deduction XXXX account.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-08-15
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)

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Inquiries from Transunion... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL 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 also states a consumer reporting agency can not furnish a account without my written instructions. I DEMAND THAT ALL ITEMS BE REMOVED EFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREDIT REPORT DAMAGING MY LIFE.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The company had a check image deposit option which did not work at all over the internet. After downloading the app, and trying to take a photo of the check which was to be deposited, the check did not appear in the box created by the phone 's camera. There was no image of the check saved to the app. The amount of the check was blocked, and the actual digits which were being given were a lesser amount of the check as they were typed from the device. After creating the image attempt and entering the amount which was made available for typing an amount, which was {$1000.00} less than the amount of the check, there was no pending deposit displayed at all. After viewing no pending transaction in the list of transactions including any possible pending deposit, and there not being a pending check deposited, I called customer service. The representative who I spoke to said she would cancel the deposit. The following day instead of there being either no additional activity or the deposit being marked as cancelled, the total amount of the check was withdrawn from my account. There was no money added to the checking account and the entire amount of the check was withdrawn giving it a negative balance in excess of {$3400.00}. The representative who answered the phone number when dialed then argued about the account, and asked me to give very detailed information about what the check was for, and not about where they check was drawn. They wanted other very personal information during the call and I was abused by the man on the phone in the way that he was asking for what he was asking for. Now, when signing into my account online, there has been a hold put on the actual balance which is now the correct amount of {$34.00}. My debit card is currently being blocked and I can not use the checking account to make any payments or withdrawals. There is also a recorded voicemail when dialing the number to have the block removed which asks me to give my detailed account number and to also give my name and the reason for my call instead of the normal 24 hour customer service for the block to be removed from the account. The voicemail which answered also stated that the voicemail which I leave will be " reviewed '' and then considered for a possibility that they might remove the freeze placed on my checking account after 48 hours.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00} Status Account charged off. {$3900.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$440.00} written o XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Collection account. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1600.00} Status Collection account. {$1100.00} written off. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : payments never late XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
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. (MD)

This is my third 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$860.00} ; XXXX XXXX Balance : {$1000.00} ;
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.
Consumer complaint received 2022-10-23
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. (MD)

Factual data sheet attached. CFPB XXXX : XXXX Re : XXXX See attached the factual sheet : XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX and XXXX Full XXXX XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX Spouse Name XXXX Spouse Social Security # XXXX Credit Report Dispute / Account XXXX XXXX Section Company Name : XXXX XXXX Account XXXX XXXX XXXX XXXX Not XXXX account XXXX XXXX XXXX Was never late XXXX XXXX XXXX XXXXAccount paid in full XXXX XXXX XXXX Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : XXXX XXXX XXXX XXXX XXXX number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- XXXX -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Consumer complaint received 2022-10-23
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. (MD)

Factual data sheet attached. CFPB XXXX : XXXX Re : XXXX XXXX attached the factual sheet : XXXX XXXX XXXX XXXX XXXX, Trans union XXXX and XXXX Full XXXX XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX Spouse Name XXXX Spouse Social Security # XXXX  Credit Report Dispute / Account XXXX XXXX Section Company Name : XXXX XXXX  Account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX  Was never late XXXX XXXX XXXX XXXXAccount paid in full XXXX XXXX XXXX Current status incorrect XXXX XXXX  other XXXX XXXX XXXX  Dispute Explanation : This account was paid in full Company Name : Company Name : XXXX XXXX XXXX XXXX  Current status incorrect XXXX XXXX  other XXXX XXXX XXXX  Dispute Explanation : Company Name : XXXX XXXX XXXX XXXX  accounts : XXXX XXXX XXXX XXXX XXXX number for courthouse records only XXXX XXXX  Not Mine ( explain ) XXXX XXXX XXXX Satisfied XXXX XXXX XXXX  Released XXXX XXXX XXXX XXXXDismissed -- -- -- XXXX -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 Transunion P. O Box XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Consumer complaint received 2022-10-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Hi. I contacted XXXX, Experian, and XXXX XXXX regarding the reporting of inaccurate information that each of said companies are currently reporting incorrectly.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

I opened an Ally savings account on XX/XX/2022. The new account had a welcome offer of 1 % up to {$500.00}, meaning a maximum deposit of XXXX. Ally ran this offer up to XX/XX/2022, leaving new account owners with a small amount of time to deposit these funds. After opening the account, I made three transfers over multiple days totaling over XXXX. A day after the second transfer was posted, Ally locked my account out. The reason for the lock was " too much money deposited. '' Now I need to send in bank statements and a selfie with my driver 's license in order to " verify my identity. '' Until then, my account is locked with no access to the money. What kind of a bank verifies customers after they collected XXXX? I am currently stuck, unable to access my account. I would like for this company to unlock my money so I can close the account and get out.
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  # 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
Consumer complaint received 2023-06-09
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. (NC)

ompany is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, and 15 USC 1666b-timing of payments Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-10-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

This is in regards my Truist Money market account ending in XXXX. On or around XX/XX/2022 I noticed that there was an administrative hold in the amount of {$8800.00} on my funds. I called Truist to find out why. They gave me a number to call. That led to speaking with someone at a lawyers office, XXXX and XXXX who said it was a garnishment, scheduled for XX/XX/2022. After communicating with them several times they decided to dismiss the garnishment. 

After I received the documents, I took them to my branch on and around XX/XX/2022, showed them legal documents that shows the dismissal. I was still told they wont be able to release the funds to go back into my account. so they cant do anything before XX/XX/2022. 

I noticed yesterday that Truist paid this lawyers office on XX/XX/2022 in the amount of {$8800.00}. 

I need assistance getting back my {$8800.00} back into my account. XXXX and XXXX dismissed the garnishment but TRUIST STILL gave them over {$8000.00}.
Consumer complaint received 2022-12-06
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: CLGF Holdco 1, LLC (MA)

I received my XXXX statement and noticed that my balance increased by {$3500.00} and my minimum payment of {$380.00} increased to {$660.00}. When I reviewed the charges it was for some purchases that I was already charged for back in XXXX of 2022. Which means that I was already compliant and my payments were going through. 

When I called the company they said that changed banks and that it was an error on their end. I stated that I was upset because this hit my credit. It affected my credit by showing that this card was maxed out and that was not the case. I also asked them to fix my monthly back to the regular amount of {$380.00} before my automatic payment is withdrawn. I explained to them that they are not allowed to take out more than what I agreed to pay monthly. They said they will submit the dispute and my payment should stay the same. When they day of the payment arrived they took out the {$660.00} which was the error they made. When I called to get answers they said that they saw the mistake and apologized. I asked how this was going to be resolved and they hung up on me.
Consumer complaint received 2023-08-14
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. (AZ)

Dear Experian I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX