davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Siggi LLC (FL)

Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/2022 my husband XXXX XXXX endorsed his payroll check, ( which was a chase business check issued by a verified company ) over to me. I used mobile deposit to deposit in into my account. Days later my account was restricted, so my husband and I both went into chase bank to verify his identity with XXXX forms of i.d . chase bank is refusing to release my husband 's check even after providing proof of his identity, verification that he endorsed it to me, and that it was a legitimate check issued by his employer. They closed my account. I still do not have access to my funds and they refuse to release my money. I want to file a complaint of negligence in Chase bank.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$260.00} 02/17/2022 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

I took out a line of credit with them XX/XX/year> in the amount of {$2000.00}. with the understanding of paying XXXX back. I have paid XXXX for the month of XXXX and XXXX for the month of XXXX and my balance payoff is still at XXXX i called and spoke with a rep and they told me that it was the interest accurd everyday that I had the loan. I asked was it anything i could do and they said pay more than the minimum which is the XXXX and anything over would go towards the principal which would lower the interest on the next payment. Or pay the loan in full. Not being able to do either one and not knowing how much interest is built up every month it seems i would be paying on this for at least a year or more. I was not told that the interest would be as such but i was told everything was in the agreement. I told the rep if i had known i wouldnt have agreed to get the loan because it would be 5 to 10 times more than what i would borrow. I cant afford to double pay a month and surely cant afford to pay it off. But everyday goes by the interest is still there and constantly driving up what i owe
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (PA)

My card was lost. My wife called the credit card company to open an investigation. She mistakenly told Wells Fargo that I had the card because I rarely utilize my credit card and thought I had the credit card but I didn't. I received a letter stating since my card was in my possession I was responsible. We went to the police and filed a report. Unfortunately they couldn't obtain transactions video as XXXX only keeps tape for 24 days. I called Wells Fargo to update them with the revised statement and the police report. Yesterday I received a letter from them stating that they have concluded their investigation and the charges are my responsibility.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Someone created an account with my information. I became aware of this when going through my emails. There were many emails when the account was created. One of which was an emial verification that was never opened. If the email was never verified than why was an account even created?
Consumer complaint received 2022-10-24
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. (NY)

I ordered a copy of my report in _XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX I believe it was reporting in error.
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX & CO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ;
Consumer complaint received 2022-10-24
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. (MO)

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these items, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

has violated my rights. Or list of inquiries 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 2022-10-24
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require TransUnion to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$310.00}
Consumer complaint received 2023-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (PA)

In XX/XX/2023, a loan modification application was submitted to Santander. At the time the application was in review, they proceeded with continuing the sheriff sale on XXXX XXXX XXXX which is Dual Tracking. On XX/XX/XXXX after I requested the amount owed on my FHA mortgage, they called me to say that they will reinstate the mortgage for 40 years at 7.375 % interest with a monthly payment of {$1900.00}. This is three times the value of my home. I need oversight of their underwriting to ensure I will not be a victim of predatory lending.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (SC)

On multiple occasions, I have charged the purchase of an XXXX XXXX plane ticket to this credit card. But since I don't like to ever carry a balance, I always immediately pay the balance in full as soon as it appears on my " online '' balance. The payment is always made well in advance of the " payment due date ''. But every time, they still draft my checking account for the full amount of the balance that was previously paid in full, creating a " credit '' balance on the account. Then in subsequent months, I still get an e-mail notification that the " minimum payment amount '' of {$29.00} ( or more, if the balance exceeds a defined limit '' will be drafted on the balance due date. 

I was told by the customer service line that the {$29.00} minimum payment would not have been drafted since there was a credit balance, and that this is simply an " automated '' e-mail. From my perspective, this is WRONG and misleading at best, to tell their clients they are going to draft money when in fact they have no intention of doing so because there is no balance on the account. 

Also, I believe it is WRONG for them to take my money for charges that have been paid in full ( weeks previously ) and no such balance exists. I pay off the balance in full within 48 hours of the charge showing up on my account. But regardless, they always take the money and leave me with a credit balance. They should be paying me interest on MY MONEY that they have wrongfully taken as a loan to themselves, which I never approved or wished. 

The customer service rep seemed to blame all of this on the fact that I am signed up for some " repeating payment plan '' and that this is apparently how their " computer program '' works. But that is a poor excuse for them taking my money, especially without appropriate compensation to me. Also, if they are doing this to me, I can't even fathom how much " free '' money they must be taking from others in this same manner. This should simply be illegal. They are creating an interest free loan to themselves.
Consumer complaint received 2022-10-24
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. (DE)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take into consideration my delayed payments during the pandemic period. I was unable to pay on time as I was without work during that time. I earnestly request your understanding and request to settle this matter.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called Bank of America to close my accounts. I asked for the agent to email me instructions to close my accounts. He said he could not give me written instructions to close my account. I went to the website and searched for how to close my account. The only available information for closing an account reads, " We appreciate your business and are sorry to hear you want to close your account. We hope you'll consider speaking with us first so we can address any concerns you might have. Call us at XXXX to share your feedback with us. 

Before proceeding with closure, you might be interested in converting your existing account to a different account or finding a new one. '' I tried to send all of the funds in the account out. It requires me to leave {$50.00} behind for some reason. Asking how to close an account, in writing, seems like a fair request, to reduce the chances of any sort of misunderstanding. Bank of America refused.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: AMERICAN EXPRESS COMPANY (IL)

I received XXXX Amex reward cards one for XXXX dollars and the other for XXXX and was mislead into believing that I would be able to use them anywhere amex cards were supposedly accepted but I have had absolutely no luck with purchasing anything from literally anywhere with them. I called Amex and requested that the balance of the two cards be combined and sent to me as a check and they blatantly refused to assist me in any way whatsoever with this issue. I would like to be able to have access to and to be able to use the funds on the cards because this seems like a massive scam by Amex in my opinion. The cards are basically useless and simply can not be used as advertised by Amex or by any company that says that they accept Amex.
Consumer complaint received 2022-10-24
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. (DE)

In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681.

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 section 602 A also states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

After reviewing a copy of my current consumer credit report, I noticed inaccurate information. I requested that they remove the information through the ( Big 3 ) Consumer Reporting Agencies ( XXXX, XXXX XXXX, and XXXX ) as well as sent requests to Service Finance Company LLC directly to remove the inaccurate information from all of my consumer credit reports that they report to, but they have refused. I have NOT retained an attorney at this time because Im hoping that with the filing of this complaint, they will understand how serious this matter is because I have noticed that the following Violations below that have been committed against me which are : The FCRA Violations due to the errors, inaccuracies, and incomplete information on my consumer reporting file are listed below. 
1. The inaccurate status is listed on the consumer reporting file.

2. The inaccurate balance is listed on the consumer reporting file.

3. The inaccurate amount stated for the Charge-Off is listed on the consumer reporting file. 
4. Missing information on the 1099C ( The Companys Phone # ) Per IRS Instructions for Forms 1099-A and 1099-C page 3 under Specific Instructions for Form 1099-C.

5. Missing and incomplete information on the consumer reporting file.

6. A complete misrepresentation of facts
Consumer complaint received 2022-10-23
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. (CA)

I have reported identity theft to FTC, I have police reports and evidence. I spent over XXXX hours of my own time calling and writing to XXXX. Experian and XXXX XXXX no avail. 

I have filed XXXX disputes they do not even look at evidence and are impossible to reach. This is the company who breached my information to begin with! They are not only responsible for data breach but they have done nothing even after being charged as guilty in court. How this company is still allowed to monitor the nations credit is just insane. Its criminal. 

I reported disputes on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Over and over I have file disputes for the identity theft that I have clear cut evidence for. 

My identity was stolen and they opened up a XXXX XXXX, XXXX XXXX, XXXX and took out loans! 
My credit score was XXXX and now its XXXX! 
I cant get an apartment or a loan this is destroying my life! 
Destroying my credit and XXXX is partially responsible its incredibly ironic that they have control over my credit score!