davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (WI)

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 2023-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited {$5000.00} into the new account at Huntington Bank and met the terms of depositing {$5000.00} within the first 90 days of being open, to receive the {$400.00} bonus. I did not receive the {$400.00} bonus as promised. I filed a complaint with the bank roughly 2 weeks ago and never heard anything back. Unfortunately contacting this federal agency is the next step, even though I would rather not have to do it. Thank you and feel free to contact me!
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

Pre-paid for a rental car ( XXXX ) and XXXX put a hold on my credit card. Returned the car early, and XXXX said hold had been removed. Tried to call them and the automated system states to contact credit card company about removing the hold so I did. Discover said they could not remove the hold because transaction was in pending status. So I called XXXX again and got the same response. It's been a week now since I paid for the rental and returned the car. The pending transaction is not showing on my account yet Discover has not removed the hold and so I don't have the available. This adds insult to injury, I have had the prepaid card for years and Discover has never even considered me for an increase. They would not even bother to let me dispute the charge or do an investigation. What a company!
Consumer complaint received 2021-03-09
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: MONEY SOURCE, INC., THE (TX)

The Money Source has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The Money Source has even confirmed this information. However, The Money Source has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XX/XX/2020 payment is showing 30 days late on both my XXXX  and XXXX  report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All The Money Source needs to do is contact XXXX and XXXX and update the XX/XX/2020 payment as on time.
Consumer complaint received 2024-03-28
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. (MD)

I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like this item to be re-investigated immediately. This inaccuracy is highly injurious to my credit rating. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). 

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 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX  - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXXXXXX XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX Incorrect DOB - XX/XX/XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-06-04
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RH Portfolio I, LLC (CA)

The week of XX/XX/XXXX, my father and I called the companys number ( XXXX ) XXXX. We settled on making a {$200.00} payment after a lot of frustrating back and forth and constantly being interrupted. My dad read the man his card information and he repeated it back to my dad. My dad confirmed that was correct, and he asked for them to send a confirmation email to my email once the transaction processed. It never went through. I never got an email. 
I have continued getting calls from this company with different representatives. A few weeks ago I kept getting multiple calls in a row saying that the loan I applied for was approved. I never applied for a loan. More recently, they have threatened to call my employer.
Consumer complaint received 2023-06-05
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Wise Recovery Solution LLC (SC)

I have been trying remove this credit account from my credit score because it had been affecting my credit score by a lot and I called capital one but they cant help me and say they dont see the account under my name. I have no idea whos account that is and why I am the authorized user. This has caused my credit score to drop my 90 points in two months.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-03-28
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. (NC)

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 2023-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

To Whom It May Concern ; XXXX writing to follow up on your response to my complaint to Consumer Financial Protection Bureau about an account listed on my credit report. Acct # XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) you have to give me 30 days to request validation, referred to as the dunning period. In the document, you sent CFPB states you never received any of my letters. Since FDCPA only recognizes disputes in writing, I received my free credit report fromwww.annualcreditreport.com. This website is creditable and verifiable by Federal law. Are you insinuating that this website is not accurate? Ive attached a copy XXXXthat shows the letter I sent is the same address listed. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. 

The documentation you provided does NOT have my handwritten signature. It appears there is an electronic name typed on the signature line. You stated that the attached document contains a handwritten signature which is untrue. Are you asking that I pay a debt that somebody else is or was required to pay? Since I did not sign this loan agreement you're seeking to collect an alleged debt on I have NEVER agreed to share my information with any third party. ( page 13 out of 21 section authorization to communicate with a third person Does Not apply to me ). According to Fair Credit Reporting Act ( FCRA ), everything on my credit report must be accurate, verifiable, and reporting timely if not, that information must be removed or corrected from/on my credit report. 

You can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. Therefore, Im requesting this account be removed and deleted from my credit report immediately.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-05-26
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: Bread Financial Holdings, Inc. (NY)

CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX REDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (VA)

I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. 
Several days later, I rec 'd the credit card ( not dated ). 
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. 
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. 
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. 
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.
Consumer complaint received 2022-11-30
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. (NJ)

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 15USC 1681. 
Company Name : 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 has violated my rights! 
15 USC 1681 section 602 A. states, I have the right to privacy.

15 USC 1681 section 604 A, section 2. states, A Consumer reporting agency can not Furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States, no consumer reporting agency may make any consumer report containing 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 years.

15 USC 1681 s-2 ( A ) ( 1 ), states, 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 errors or is inaccurate.

A
Consumer complaint received 2022-11-22
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AR)

XX/XX/XXXX I issued a check, check XXXX, to myself for owner pay. I I pay myself bi-weekly. 
XX/XX/XXXX I deposited check XXXX into my personal account via the XXXX XXXX mobile app. Ive attached a copy of that check to this statement. 
XX/XX/XXXX Upon trying to reconcile my business bank account, I noticed my balance was negative. I immediately called the customer service reps at US Bank and asked them to look it my account. I noticed the check XXXX was debited from my account a second time on XX/XX/XXXX. I didnt authorize this. The reps at US Bank looked into this and reversed the transaction, along with the fees associated with my account going into the negative. 
XX/XX/XXXX XXXX bank sent my check back, because they said it had been deposited twice. They did a review and on XX/XX/XXXX they determined there had not been an error in my account. XXXX unsure where the check was sent back to, because I wasnt alerted by US Bank that I had a return check. 
XX/XX/XXXX I called US Bank and asked them to investigate that 2nd debit again that occurred on XX/XX/XXXX. 
That is when the banker noticed there was a 2nd signature on the original check, that didnt belong to me. It was also a name that I didnt recognize. The check was originally made out to me. I am the only authorized person on this account. 


XX/XX/XXXX - I got a letter from US bank stating that my claim had been approved. I disputed the claim because US Bank recouped the funds from the wrong bank. US bank alerted my XXXX account. They never tracked down where the XX/XX/XXXX transaction was deposited. 

After contacting US Bank several times during XXXX, XXXX and XXXX to ask them to please reopen my case because they recouped the funds from the wrong bank, they denied my request on XX/XX/XXXX. They told me they denied my request because I didn't discard my check. This would be understandable if they didn't already alert one bank. What's different now? US Bank should do the right thing and alert the bank where the 2nd, unauthorized transaction took place.
Consumer complaint received 2022-11-22
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: EQUIFAX, INC. (CA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have 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 an account without my written instructions.