davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
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)

This complaint is for TRANSUNION, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that 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 instruction.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (KS)

I have a checking account with Chime Mobile Banking. I have been fighting several charges for fraud since XXXX of 2023 totaling over {$4000.00}. I have submitted large amounts of evidence and a police report but all my claims have been denied with no explanation. The only person you can talk to with the bank is customer service which is outsourced to XXXX. They do not understand my issue, they just try the same thing every time, and they are never able to give me information over the phone. All the information that I get regarding my claim is sent to me via email and all it says is that it was denied, and when I try to reply I dont get a response. My account is FDIC insured and all these charges and made out of the country, by fake companies, yet despite that and all my evidence, they deny it with no explanation and I have no way of fighting their decision as I can only talk to one person about my issue. On top of that, they are extremely negligent and at this point corrupt, as half of the time I am hung up on, put on hold for over an hour just for the call to drop, or I am told simply that the customer service rep just isnt going to help me because they dont want to or they are tired of me. And there is no way to fight this as there is not a single other phone number for chime other than the customer service number. Please feel free to contact me by phone if more information is needed, I just dont know what other options I have. Thanks.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

This account Dept of EdXXXX was opened on XX/XX/2011 and is already paid off and I recently asked for this to be removed but I did not receive any response.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The reporting agency list an acct # XXXX on my credit report. this account is past the 7 years to be reported, which is a violation of the Fair Credit Reporting Act. 

the last payment of this account was XXXX  This account should be deleted from my credit report.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I have someone getting into all my accounts and have fraudulent charges. They are changing settings on my phone, have ruined my credit, been in school account, TV/internet account, cell phone account and cell phone. Messing with my emails. I am having a horrible time. They are controlling my every day Life. They are messing with XXXX and XXXX account. THIS IS NOT LEGAL. Oh even my medical records. Thanks. I did not contact XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I have been a customer of Citibank since XXXX and have never missed a payment on my credit card or used any services other than making purchases and consistently pay significantly before the due date each month. However, I received a notice in my email that based on an XXXX credit report that Citibank has made a business decision to lower my credit limit from {$2400.00} to {$1700.00}. The purpose of this complaint is to expose this bank 's unprincipled business action and total disregard just for basic customer service. My response to Citibank 's action about my account is to close it and pay off the balance due of {$1700.00}.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-04-15
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. (OH)

I appreciate you in taking the time to update some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus need to validate these accounts ( A ). I hope these disputed accounts will be updated. 
XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-15
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. (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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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: Experian Information Solutions Inc. (TX)

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (WA)

I have been a member of Wells Fargo bank for over 15 years. I have personal checking, savings, mortgage and when it came time to open my business I opened business checking and business credit card with them as well. After 5 years of having my business I decided to restructure it from sole proprietorship to an LLC with the same name. After registering with the state and updating my business licences I scheduled appointment with the banker at the local branch. They called and asked to bring the paperwork such as Certificate of formation and Tax Id. I brought all the paperwork and the banker copied them all and told me that all I needed is to close my old business checking account and open a new one under the company name, which I did. When I asked about business card he said I didn't need to worry as it can remain the same. After a week I received a letter from Wells Fargo requesting documentation about my company ( i.e. certification regarding beneficial owners of legal entity and new assumption agreement ) in order to change my business credit card. I again scheduled appointment with the banker and brought the paperwork to the branch office where I filled it out in front of the banker. He copied all the documents and told me that it will all be taken care of. After XXXX weeks my business card account was closed. I could not use my business credit card anymore. I again scheduled the appointment and spoke with the branch manager. She spent XXXX hour talking on the phone with someone, then she made me fill out the same paperwork that I already did XXXX weeks ago and said that this time all is taken care of. After another week I again received the same letter requesting same information I already submitted twice. I filled it out and then faxed it and mailed it. I waited for another week and when nothing happened I tried to call the number provided in the letter. The lady on the phone said that my account was closed because I didn't submit the paperwork in time. She said that the paperwork that I filled out previously is invalid since I didn't indicate the country ( XXXX ) in my address line. 
It feels like the company doesn't want me to be their customer and trying to find a way to get rid of me.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

I have filed a complaint about Debt Recovery Solutions before, and they have responded. Unfortunately, they have not fulfilled the obligations of their response. The response was as follows : [ [ This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau. The account in question was referred to our office for collection in XXXX, 2020. In light of the information set forth in this complaint, we have closed this account in our office and returned the matter to our client for further review and processing. As such, you will not receive any further communication from our office concerning this account. Additionally, we have instructed the credit reporting agencies to have this account deleted from your credit profile. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX ] ] The account has NOT been removed from the credit profile despite me disputing to XXXX, XXXX, and XXXX. This means that they believe the account is still " legitimate '' and can be collected on. This also means the account is NOT closed. This means they have NOT informed the credit bureaus to remove this inquiry. They must promptly do as they said they would.
Consumer complaint received 2023-08-15
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: ENCORE CAPITAL GROUP INC. (UT)

Midland Credit Management is 3rd party to XXXX XXXX  treating to put lies on my property and 8 yes add another one. Tried contacting XXXX XXXX # XXXX no answere several times was given this phone number from Midland Credit Management. The statement shows several different amounts, XX/XX/23 XXXXcurrent balance XXXXXXXX pay off XXXX..original XXXX credit card balance. Only received email today XX/XX/23 from XXXX XXXX XXXX collections with different contact number to collect this debt. I'm disputing this debt due to all this financial harassment abuse toward an elderly woman. Thank You XXXX XXXX MCM Account # XXXX
Consumer complaint received 2015-10-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

Nationstar mortgage refuses to adjust the value of my home that they have on file to match the original appraisal value indicated by the original purchase documents and the original appraisal. I 've provided the original assessment conducted when the home was purchased to show that the home value was appraised at XXXX rather than the incorrect and improper XXXX that they have on file.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dispute letters to correct my personal information were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time they claimed a credit repair company sent my dispute letters and would not correct my personal information. 

The letters sent on XXXX and XXXX specifically stated I was not using a credit repair service and that the letters were being sent by me. When I called the rep. today, they told me I needed to alter to them so don't look like they come from a credit repair company. I asked her how am I supposed to this and she said she does not know. She stated it's against FCRA requlation to use a credit repair service which I believe is not true. Even so, I was'nt so I was still upset regardless. 

At this point, I am upset because my claims are not even being recognized due to misconceptions with my dispute letters. They keep telling me to do it online or over the phone but I want to mail them and that should be up to me. I believe I am being unfairly treated.
Consumer complaint received 2023-03-05
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. (AR)

Hello, Ive mailed letters to Transunion, XXXX, & XXXX in regards to inquiry removal. While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries that I did not authorize nor did I sign an authorization by those companies.
Consumer complaint received 2022-11-01
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. (TX)

I have sent letters on XX/XX/2022 disputing these unknown information in my report, but I did not get any response from the bureaus. If they have investigated or even took action they should have sent me results but they did not.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I opened XXXX trust accounts at Truist bank, depositing close to {$5000.00} in each account. 
Shortly after I was told I had to open a personal account to have access to my online banking. I then opened a personal account. I started transferring funds from my other bank accounts to use Truist for all my banking needs. 
On XX/XX/XXXX, I deposited XXXX cashiers checks into my personal account : XXXX from my business account at XXXXXXXX XXXX for {$120000.00} and XXXX from my business account at XXXX XXXX for {$53000.00}. 
I was told that a hold would be placed until XX/XX/XXXX. On XX/XX/XXXX, I went into the bank in XXXX and was told my account was on hold by I believe his name was XXXX, not sure. We called Truist customer service stayed on hold, then the banker had to call another number and we stayed on hold, then I was instructed to call another number. Spoke with the lady and she mentioned something about a hold in the fraud department. I stayed on hold another XXXX minutes and then the phone hung up. 
I went into the branch in XXXX, spoke with XXXX, the only thing I was told was that my account was closed on the XXXX of XXXX and a letter would be mailed. I received the letter a few days later and it stated I would receive the funds within XXXX business days if funds where not collected at the branch. They would not let me withdraw the funds at all and it has been more than XXXX business days. 
I have called to no avail and have been on hold for almost an hour. I need my money now!
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2024 Wells Fargo said they sent the funds back to the sender in the amount of XXXX the merchant XXXX XXXX is saying that they don't have the funds and that the third party that used to send the funds XXXX doesn't either. They said XXXX  has the funds and they aren't going to get the funds to credit my account back and to reach out Wells Fargo in trying to get those funds back to them or however it will work. The funds are in limbo currently I don't know what to do. No one is helping me.
Consumer complaint received 2022-11-01
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. (PA)

I disputed account on my credit file which is currently closed and doesnt belong to me. The account was opened fraudulently. XXXX XXXX XXXX XXXXXXXX  I submitted a ftc report along with proof of my identification. The account was blocked from my credit report for the duration of the dispute investigation. However, I received an update for the account which stated it was verified and it would remain on my credit file. I was not provided with any proof of verification, which means this account XXXX XXXX XXXX XXXX  should not be on my credit report. IT SHOULD HAVE BEEN DELETED!!
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have requested that Equifax investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. Equifax has responded to my letters stating that they have done an investigation each time. I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX Section XXXX A states I have the right to privacy. XXXX XXXX XXXX XXXX XXXX Section XXXX A states a consumer reporting agency can not furnish an account without my written instructions