davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
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. (GA)

My name is XXXX XXXX XXXX, and I am filing a complaint about an entry listed on my credit report for XXXX  and TransUnion, which is a public record, XXXX, which I have tried to have disputed three different times, which was first on XX/XX/XXXX, the second time was on XX/XX/XXXX, and on XX/XX/XXXX, and now disputing for a XXXX time. The XXXX came off but was re-inserted back on the credit file. Apparently someone with a similar name to mine filed XXXX in XXXX UNITED STATES XXXX COURT, XXXX XXXX XXXX XXXX for {$0.00}, and it is appearing on my credit report. After contacting the XXXX Court, they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any XXXX  cases. As you all know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it permanently, immediately.
Consumer complaint received 2021-04-25
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: Experian Information Solutions Inc. (AZ)

I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Creditor : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I applied for a Bank of America credit card that had XXXX XXXX XXXX XXXX points. The card was issued and if I spent {$1000.00} in 3 months, we would get XXXX points worth {$300.00} XXXX with either company. I requested the XXXX points and was told it would be worth {$300.00} but the company only forwarded {$150.00} to the cruise we are on. I had called Bank of America about it and a lady wrote down a request to check into the issue. Even the lady I talked to said it should have been {$300.00} but she wasn't able to do anything about it. After a week or so not hearing anything I wrote the XXXX XXXX XXXX about it and the following person was put in charge : XXXX XXXX | XXXX, Resolution Specialist Regulatory Complaints Operations ( RCO ) Executive Complaints Bank of America She says we spent the correct money in the 3 months she says we got the XXXX points but doesn't seem to get how much its worth. She seems more than happy we got {$150.00}. Issue is that XXXX points are worth {$10.00}. XXXX points we had is worth {$300.00}. I asked her to show me the points/rewards chart that says you get {$150.00} for XXXX and of course she hasn't sent it because there is no chart that shows that. It's {$10.00} per XXXX points. She just doesn't seem to care. I would love her to show me how I'm wrong and she's right but in reality, she just seems to say go away. Show me I'm wrong and I will go away. I uploaded the screen shots. You can see I had XXXX and redeem XXXX points. It shows {$150.00} but the fact is XXXX points is worth {$300.00}. The flyer that Bank of America sent us said it would be worth {$300.00} and if you check with XXXX XXXX points is worth {$300.00}!
Consumer complaint received 2022-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

My XXXX  has applied my monthly payment to principal only meaning I had to pay twice for one month. They have locked me out of my account online. I have no way to access my account of see if my payments are being applied correctly. I have spoken to ten people, been on hold for a minimum 15 hours, emailed someone at corporate. After a month I am able to access my account but then I can't see my account again. Can't pay online, don't have paper statements, etc. I call in and explain my situation then put on hold and transferred to a XXXX hole and wait an hour on hold then someone picks up and asks me why I am calling only to start the process over again. So incredibly frustrating. I literally have no access to my mortgage or able to pay or know how my payments are being applied without constantly calling in and verifying information, making double payments, etc. They tell me someone will contact me and won't give me a name, email or number for a contact. They call one time and it comes in as spam on my phone and goes directly to voicemail and their message is just to call the XXXX number so I start the process over again. Super frustrating. How are they allowed to operate a financial company?
Consumer complaint received 2021-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

On XX/XX/20 I submitted a payment via Venmo of {$60.00} to an active account for my niece. Shortly thereafter she informed me that her account had recently been hacked and the hacker immediately changed her contact data, and withdrew all of her funds. 

Venmo was unable to assist her because they claimed she could not confirm her identity since the hacker changed the email address and contact data on the account. Due to this she lost the funds tied to it. 

The hacker has left her account active, and the picture the same. However, she has no ability ( per Venmo ) to disable it as they claim she can not confirm her identity ( again due to the hack ). 

They told me the only way to retrieve my money was to have her account holder issue the refund. As you can see where this is going, she no longer has access to the account, and Venmo will not provide her with access. Therefore the money is in the hackers hands and contacting them is not possible. 

I have tried pursuing this with my bank as well ( XXXX XXXX ), however they just go off of the results of the company ( in this case Venmo ). 

I have tried pursuing this via the XXXX, Venmo, PayPal ( owns Venmo ) and XXXX. All avenues have resulted in the same run-around that without the hackers contact info and them refunding the money that the money is lost. 

I was under the impression that Venmo was a secure service but it would appear this is a major flaw in their protocols. I would say the same about XXXX XXXX. In this case the amount was {$60.00} but I fear what could have happened if the amount was larger. 

I hope you can help me resolve this and get the funds returned but at the very least I hope it triggers them to reevaluate their procedures to ensure a more secure process. 

Thank you
Consumer complaint received 2024-03-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX XX/XX/2024 XXXX, XXXX, Transunion, dispute department XXXX XXXX  XXXX XXXX, TX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXXXXXX XXXX Account number. XXXX XXXX card account numberXXXX  XXXXXXXX  account # XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX XXXX XXXX. account number XXXX XXXX XXXX  account number. XXXX XXXXXXXX XXXX Account number. XXXX XXXX card account numberXXXX XXXXXXXX  account # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction. 

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX, Transunion, XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX. Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX, Transunion, XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (FL)

XXXX XXXX is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc. (IL)

This complaint is in regards to Binance US. They are a cryptocurrency  exchange. They were supposed to require you to register your personal information to use their exchange. They allowed all of their customers to buy and sell cryptocurrency without being verified, until recently. They are now requiring you to be verified to sell any of your holdings, even though they allowed you to buy them without being verified. When you attempt to verify your account, it takes several weeks to be verified. A lot of people are in the same position.. They let customers put money in, but are refusing to let them take money out at their convenience. There's no good reason it should take weeks to verify your account. They have next to 0 customer support and there's nobody to contact to get your account verified quicker. It's irresponsible and should be illegal.
Consumer complaint received 2021-04-25
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)

Approximately XX/XX/XXXX I realized fraud account mixing with other account and sent dispute to Equifax. I escalated the complaint to FTC Report XXXX XXXX is inaccurate and is in civil litigation. By the provisions of the Fair Credit Reporting Act, I demand that this account opened this item be investigated and removed from my report. Please remove any information that the creditor did not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must remove until it can provide all the evidence. Equifax has failed to meet its statutory duties under sections 1681 i ( a ) and 1681 e ( b ) and continues to willfully violated the FCRA of reporting false information and did not delete the fraudulent account. Under the FCRA Section 15 U.S.C. 1681s, this account is in civil litigation against Equifax for fraudulent and unauthorized deceptive practices being committed on their behalf for simply making only cursory investigation into the reliability of information which has harmed me against getting a 2nd mortgage and ridiculously high cost of credit Here are the details of the account : XXXX XXXX XXXX XXXX XXXX Allegedly Opened date XX/XX/XXXX
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

The alleged bankruptcy listed on my public record report is listed with no information the specifies that this bankruptcy belongs to me. Furthermore, the bankruptcy court of Pennsylvania has confirmed they do not share personal information with Any reporting agency. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens MO 281 SW 715, 719. I presume no proof of the alleged bankruptcy, therefore any such debt, in fact exists.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (WA)

Equifax team, I am a victim of identity theft Please remove and block the fraudulent account XXXX/XXXX  XXXX per section XXXX of the FCRA. Dispute confirmation number is : XXXX.
Consumer complaint received 2021-04-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (OH)

Concerning Mr. Cooper mortgage company. 

XX/XX/2021 I was notified by XXXX XXXX  via a mobile alert at approximately XXXX my checking account was - {$2900.00}. Noted on my transactions was 2 ACH withdrawals of {$1700.00} XXXX totaling {$3500.00} XXXX from Mr. Cooper mortgage company. I did not authorize these transactions. These transactions were also not listed under my payment activity through Mr. Coopers mobile app. 

I immediately called XXXX XXXX and after 2 phone calls, I was told there was nothing they could do and I was to wait it out ( I have the phone recording ) I attempted to call Mr. Cooper and requested a call back and this never happened. 

I learned of this fraudulent activity through XXXX. Mr. Cooper did not make a statement until later in the day. I received an email at XXXX from them explaining what had happened. 

I also was not notified via Mail that my mortgage was going to increase due to an escrow shortage. I have had this company since XXXX and I am extremely unhappy with their customer service and delayed response to an extraordinary event.
Consumer complaint received 2021-04-23
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. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2021-04-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MD)

XXXX XXXX XXXX : XXXX The company has served me with papers and issuing me. I did not acquire the debt of that company. 
The date of the charge off according to them is XX/XX/2019. 

I found out about the lawsuit through the mail by another lawyer. I checked the court and was advised that they could not give me information. They only gave me a number and the company name and advised me that I should just pay them. Sound like they were working for them. I served papers a couple months later.
Consumer complaint received 2021-04-23
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. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX # XXXX, XXXX AND XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX, has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX # XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX, XXXX AND XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than needed dealt with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization.

1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until the debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.