davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Day Sir or Madam I have requested several times that my name and address be updated on all XXXX Credit Bureaus XXXX, XXXX and TransUnion Under the Fair Credit Reporting Act ( FCRA ) My report should reflect accurate information I have provided all bureaus with copy of id and bill so my credit report would reflect the correct information. I have no access to receive any correspondence to any addresses listed on my credit report other then the one that is on my id and bill that already been submitted
Consumer complaint received 2018-04-16
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: SYNCHRONY FINANCIAL (CA)

I received a notice on my credit report today that indicated that XXXX XXXX and Walmart ran a hard inquiry on my credit report from XXXX Florida which I never authorized. I called and they claimed to have cancelled my application and that there was only one application from today. However, I have voicemails from last week from XXXX XXXX seeking to verify my loan application for fitness equipment ( XXXX ). I separately received a phone call from XXXX asking about my purchase. The Synchrony representative claims that they don't have any record of this other application as well. This is clearly a sketchy finance company based on the other records in the complaint database. I do not know where they are getting my information.
Consumer complaint received 2018-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

XX/XX/2018 HSBC account opened account and funded with {$100000.00}. 
Per terms of the agreement a bonus deposit of {$750.00} would be paid if the balance is maintained for 90 days. According to the terms, the bonus would be paid within 60 days of meeting the 90 day obligation. It is now well beyond the stated time frame as of writing this complaint on XX/XX/2018. The bank said they would research but failed to respond within their stated research timeframe. Additional inquiry has yielded no information.
Consumer complaint received 2017-09-20
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AZ)

First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.
Consumer complaint received 2022-11-11
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  / XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (VA)

My Citibank account was taken over by an unauthorized party that fraudulently stole over {$18000.00} during the week of XX/XX/XXXX. The unauthorized party used XXXX to transfer the money out of my account. 

I immediately filed a complaint but Citibank has refused to refund the funds or accept any responsibility for the robbery.
Consumer complaint received 2022-11-11
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 a letter to XXXX, Transunion and XXXX on XX/XX/XXXX. It been well over 30 days, I still have not 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 a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage 97 % Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX Credit usage 96 % Balance {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX XXXX LATE PAYMENT Credit usage 3 % Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card XXXX  XXXX Balance details 3 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Unsecured Loan XXXX  Balance details 0 % paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type Unsecured Loan XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I have two concerns : A ) I opened a business line of credit in XXXX of 2023. The person who opened the line of credit deposited the entire amount into my business account. I realized the error after I saw I was being charged an interest fee of {$120.00} and the checks I was issuing to my vendors were not going through. I immediately refunded the {$15000.00} and requested that the fee be removed from my account as this deposit was not something I was requesting. I have spoken to at least XXXX different people over the phone and in a branch near me and am being passed around like a hot potato. No one is willing to take ownership or accountability to help me get the charge removed. I filed two complaints and no one from Chase has reached out to discuss my concerns. The last person I spoke with was XXXX XXXX, Relationship Manager and she said she would get back to me but it has been about a week and I have hear nothing. I need the {$120.00} charge removed from my account because it is unwarranted. 

B ) I also have a concern about the lack of detailed information on my statements both online and paper, regarding where charges stem from. The vendors are not listed. I have to be able to know what my charges are for in order to pay them.
Consumer complaint received 2023-08-08
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: Experian Information Solutions Inc. (MI)

I requested Experian, XXXX, and XXXX to verify the accuracy of these accounts : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX IN Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXX However, they did not correct the errors and claimed that everything was complete and accurate. This is not possible because the open date, date of the last activity, and other information are incorrect. According to 15 USC 1681i ( 5 ), they are required to modify accounts that are not reporting correctly.

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 an 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. 

Also, they are not following the XXXX XXXX credit reporting standards. I have evidence to support my claim.
Consumer complaint received 2022-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (AZ)

So I sent money to XXXX  XXXX to my mom. So she went to soriana store to pick it up, but when the cashier was about to give the money to my mom he told her that the system was blocked. Then he told my mom to go to another soriana to get her money. So she went and tried but they told them that the money was blocked. That's when she called me and I went to the Sigue store here in XXXX Arizona to ask the cashier what the problem was. She looked through the system and told me that the money was already been paid. So I told her that my mom didn't receive the money, that it was a mistake. So they called my mom to ask for an explanation and she told them that she didn't get no money whatsoever. So my mom went to soriana again to talk to the manager and they told them that the money was blocked that they need another confirmation number so they can pay. But again Sigue don't want to give that number because they insist that the money was paid. Now they said they need the receipt that proves that the money was paid from soriana, wich is stupid because it doesn't exist. So help me please I don't want to loose my money.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

under 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 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, my Citi checking account was frozen, without any communication. I learned of this account freeze, when my debit card was declined at the grocery store. I contacted CITI bank Monday, XX/XX/XXXX to better understand the situation. I was told my account was frozen for XXXX hours while the fraud team investigated. I then contacted Citi bank the following day ( XX/XX/XXXX ) and was told to wait an additional XXXX hours. On XX/XX/XXXX, I once again contacted Citi bank, and was told I must wait until XXXX EST, as the fraud team still had until then to make notes. I called back and still my account is frozen. Furthermore, a transaction that I made was reversed, causing further complications with another banking institution. At time of writing this complaint, my account is still frozen and there has been zero updates. Please help.
Consumer complaint received 2024-04-01
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. (MD)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-04-01
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-06
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. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-07-18
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. (NE)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were fraudulently appeared. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
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. (IL)

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. 
XXXX # XXXX XXXX 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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX 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.