davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

I am a new Apple Card customer, and received my card in XXXX. I set up my bank account for the payments and set up an automatic payment to my card on the payment due date. 

Everything was looking right on the Apple wallet app and my payment looked like was gon na happen on the due date. However a payment didnt happen and I had to pay my payment manually on the next day. 

When I contacted to the customer representative they couldnt explain what happened and why it didnt work. However I did setup my payment properly on time, thats why I dont accept any responsibility about this late payment. I dispute any late payment fees and any bad sings on my credit score. 

This was a terrible experience and has to be corrected.
Consumer complaint received 2022-12-29
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: CAINE & WEINER COMPANY, INC. (GA)

Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Account Status Open Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Balance {$2800.00} Highest Balance {$2800.00} Payment Status Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late -- / -- / -- Remarks Account information disputed by consumer, meets FCRA requirements Payment History Latest Status : No payment history has been reported by this creditor. 
Creditor Contact Details XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} under laws codes : fair credit reporting act violation of my rights 15 U.S.C 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681 SECTION 602 A, 15 U.S.C 1681 SECTION 604 A SECTION 2 15 U.S.C 1681C. ( A ) ( 5 )
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

It started with a solicitation through discord that BTC was available through redemption Then I was informed that I would need to activate the account, then activate a separate cryptocurrency account, pay an unknown federal tax, then deposit additional funds to pay another exit tax The dates are below XXXX First send of XXXX BTC XXXX " Premium '' Account Activation fee of XXXX sent XXXX First attempt to pay " Federal Tax '' of XXXX sent XXXX Second Attempt " Federal Tax '' amount XXXX sent XXXX Third Attempt XXXX XXXX Fourth Attempt XXXX XXXX The freeze is allegedly lifted with a payment of XXXX XXXX First attempt to pay exit fee XXXX BTC XXXX Final attempt to pay exit fee XXXXBTC I am then informed that there needs to be another deposit made on XX/XX/2020 Complaint is subsequently filed
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I stayed at this hotel in XXXX, when I got scammed into getting an apartment, I was struggling and this hotel after staying there for like a month, everything they take my deposit they will not give it back, when I complain they start treating me different, the last week I was there, I have the money to book the hotel room, which I did, paid for, just because I could not afford to pay security deposit, they did not let me stay, and call the police on me. When the offices came, they even feel sorry for me, because I have my two service animals with me and we have no where to sleep and I I have already paid for the hotel room which I never gotten refunded for, The office they where the one that went across to the other hotel and book me a room there. 
So this hotel keep all my previous security deposit and even charge my card again saying for cleaning fees, which I make sure I clean every time I am to change room. 
When I file depute with my bank and provide them with all receipts and information, they first give me credit for some of the money and later came back and took the money saying I loss the case against the hotel. And I have been talking and giving all the information I have yet still my account is neg over XXXX $ I am asking for your help
Consumer complaint received 2021-01-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureaus have inaccurate information on my credit report and I want it removed immediately and they did not get back with me in 30 days which they have to do by law according to the FRCA.
Consumer complaint received 2022-11-15
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. (CA)

I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. In accordance with the Fair Credit Reporting Act section 605b, I am requesting the Credit Reporting Agencies to remove the fraudulent accounts and information completely from my Credit File. Below are the items that are reporting on my Credit Reports : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4500.00}. Also, I am going to request to the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature to prove that the disputed items belong to me. In the event that the Credit Bureaus find not signed agreement, immediate removal of the disputed items will be greatly appreciated.
Consumer complaint received 2023-06-01
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)

So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. These are clear violations of my federally proceed consumer rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL continue to 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 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. And my state again, In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-12-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Malacko Law Office (MN)

XXXX from Malacko Law Office called and wouldn't identify himself, he asked if who he was speaking with was XXXX, and when I asked what it was about, he was very rude, and aggressive, and said, I can look for his letter XXXX. When I asked again what this was in regards to, he aggressively said, " I'm not here to play games XXXX, look for my letter ''
Consumer complaint received 2024-03-25
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. (KS)

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 2023-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some information to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXXBalance : {$1900.00}, XXXX XXXX Balance : {$170.00}
Consumer complaint received 2022-12-30
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. (NY)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and Transunion the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Couple issues I have alot of different reports for credit cards I did not open. Transunion most recently is XXXX which I did not do. Also my name only has ever been XXXX XXXX XXXX ( XXXX name ) born and raised XXXX XXXX XXXX then XXXX XXXX XXXX until I met my now husband which I moved from XXXX XXXX XXXX XXXX PA to XXXX XXXX  XXXX XXXX XXXX PA in XX/XX/XXXX and got married XX/XX/XXXX. My name since XX/XX/XXXX when everyone was LEGALLY CHANGED is XXXX XXXX XXXX. I wasnt able to get XXXX because of all this and whoever is using XXXX XXXX is not me. My birthday is XX/XX/XXXX last XXXX ( XXXX ) I have paid my kohls card off and have been really watching my credit and I dont know whats going on but it needs fixed. I would appreciate it. Thank u XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

I bank with Chime, a division of XXXX. 

After sending {$18.00} to my mother through XXXX ( her account is named XXXX XXXX, she rents out her property in Hawaii, her house is # XXXX in XXXX homes in XXXX, Hawaii ). 

Previously, Chime charged me twice for taking out {$160.00}. I called them about it multiple times, they stated it was an ATM adjustment since the ATM did not charge properly. They have now refunded it, locked my account and will not talk to me about it. 

I frequently use ATMs to pull out cash and never have I been questioned. I can not access my funds, my paycheck was denied and my stimulus due to the suspension. I have rent due, I need food and my electricity will be shut off. 

Chime keeps requesting my social security card which I have refused.
Consumer complaint received 2022-12-30
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. (FL)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2022-12-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sterling & Associates, LLC (GA)

I was contacted by XXXX XXXX calling in reference to the preliminary hearing that was set up with a no contract no show and need to hear from me immediately at XXXX. When I called, I was transferred to XXXX XXXX representing Sterling and Associates stating that I had taken out a payday loan that was not paid. If I did not pay restitution I would be charged with XXXX XXXX XXXX. I was told I had until XXXX to pay them {$1300.00}. I found out later this was a scam. I called the clerk of courts and was told I did not have any court cases pending nor any charges against me. Now I have to wait for the money to post before I can file a fraud complaint with my bank. This is awful to do to people who work very hard for their money! I will be reporting it to the police as well. This is Grand Theft.
Consumer complaint received 2024-03-25
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. (CA)

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 2023-06-01
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. (TX)

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 1681 c. ( 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 2021-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NC)

Sir, I was on 0 % interest payment plan on with my above Wayfair account. I paid the monthly amount without any delay till XX/XX/2020. On the month of XXXX I paid the total amount due in full, Unfortunately due to pandemic Comenity bank received the payment after three business days after my payment plan ended. The delay in receiving was due to pandemic reasons. Bank charged me over {$850.00} in interest for the three days delay even in the middle of the pandemic. I talked to the customer service team over 30 times. Every time I talked to the customer service team they agree with me it is unfair to charge this enormous fees for three business day delay and they will say they will speak to the surer wiser and remove the fees. Till now the fees has not been removed and I was getting charges on the late fees. Pls. consider my case and remove the late fees and interest charges charged me for the delay in receiving the payment by three business days. You can be reach me at XXXX for any questions. I expect a fast remediation of this issue.