davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (MD)

TransUnion is illegally allowing/providing XXXX XXXX XXXX operating under XXXX XXXX access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with XXXX, prior to XXXX, I had accounts with XXXX XXXX, XXXX XXXX XXXX which were closed prior to XXXX  purchase of said brand. 

At no time did I or ask XXXX for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to XXXX for any reasons in fact I sent TransUnion a letter opting out of sharing data without my express written consent. 

XXXX has illegally obtained/requested my consumer report every month from XXXX  to present date. 

I attempted to reach out to XXXX who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

My wallet was stolen in XX/XX/23 and the thief somehow withdrew {$370.00}. + {$7.00} in fees. {$200.00} of it was transferred from my XXXX Checking account. I filed a dispute with Chime online banking and they denied my dispute. This is the second time they denied my disputes for unauthorized charges on this Chime checking account.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (MD)

I put in a request for my cnac account to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against XXXX and XXXX. I sent you the proof the account was paid in full. There is a difference between paid in full and closed.
Consumer complaint received 2022-11-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I saw inaccurate information on my credit report. XXXX XXXX XXXX  is showing a late payment remark. I was never late on this account. I always pay my obligations on time.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Date : XX/XX/2022 XXXX {$220.00} Capital one offered a settlement for the above amount and I paid it. I was told the account will no longer appear as delinquent but it still appears on my credit report
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2023-06-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I closed both my checking and savings. However, citibank reopened my savings and took out XXXX to my other bank, XXXX. I sent it back so they could close it and yet they still won't close it. It's either that they close it for sometime and then it shows up as blocked account now. I can tell because when I call online and put in my Social security and my pin number, it shows a XXXX balance, meaning my savings account is still open. On XX/XX/XXXX, I went to a local branch and tried to get the teller to close my account and I signed a paper. Then, they didn't close it on XX/XX/XXXX, so now I went back on XX/XX/XXXX where they now showed my account as closed after I told them. however, today on XX/XX/XXXX, Citibank shows my account as now blocked but not closed.
Consumer complaint received 2023-12-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CT)

XX/XX/2023, I signed up for and established a transfer of {$10000.00} to Kraken, an online Cryptocurrency exchange, to buy XXXX. Kraken then took out {$140.00} from this sum as a transaction fee and converted the remainder into XXXX XXXX for a total of XXXX XXXX 

On XX/XX/XXXX and several times subsequently, I attempted to withdraw this cryptocurrency onto an offline secure wallet but the withdrawal was refused, and within hours I received notification that they would be closing my account with XXXX hours. I was told that I must re-convert the Cryptocurrency into US $ ( at my loss, if any ) and then they would send the remaining dollars in my account back to the original bank. They said this decision was being made for unnamed " security reasons '' and that for these same " security reasons '' they could not even give me more details. 

I am neither a felon nor a convicted criminal and there are no security reasons for wanting to close my account. I have written this to them several times and they simply answer over and over the same thing. 

Right now, Kraken has sold me goods, taken a transaction fee for selling these goods ( the cryptocurrency ) but has never allowed me to take possession of the goods in question since any withdrawal of this cryptocurrency was blocked. Since they have sold something to me without allowing me to take possession of it, and they now state they are closing my account, I have asked that if they continue to refuse to allow me to take possession of what they sold me, that they reimburse the totality of what I paid for the goods I never received. They continue to refuse to do so and have now given me an ultimatum of XXXX hours to do as they say!
Consumer complaint received 2023-01-05
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)

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 ITEMS. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

- [ ] XXXX mortgage statements and foreclosure notices immediately XXXX originally al payment, the accidental death insurance we were charged for never enrolling, enrollment form included. 
XXXX mortgage statements from XXXX MD XXXX 
XXXX begin seeing statements from XXXX NJ, every month no payment received notice on the XXXX th! Coming from yet another Wells Fargo company in SC. Also no payments sent on the XXXX of each month no matter. XXXX day grace period. Multiple mortgage statements for XXXX month with h conflicting amounts. How can you receive a monthly statement dated the same as the payment noted on mortgage statements? XXXX along with the XXXX accidental death insurance, not authorized, the late payments on top of late fees, and out of no where random amounts due in the other charges on the mortgage statements XXXX the numerous payments made to Wells Fargo, to be told to login to the email address ; XXXX. Its yet another law and reason Wells Fargo has been fined multiple billion dollar fines on top of the multiple million dollar fines for all the illegal activity and actions by Wells Fargo and employees and their sub companies. This is just a minuscule amount of paperwork we were bombarded with by Wells Fargo home mortgage, in MD, NJ, SC, ID, CA, thats only a few states they have operations in.
Consumer complaint received 2023-02-17
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report 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
Consumer complaint received 2023-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Our mortgage company, LoanCare, has been holding our insurance claim money in escrow since XX/XX/XXXX when they cashed and deposited our checks. On XX/XX/XXXX their inspector approved our home repairs at 85 % complete and after numerous phone calls they released 62 % of our money saying the rest would be released after final inspection. On XX/XX/XXXX, their same inspector came back and approved work completed to 100 %. It has now been 2 weeks since the inspection and we have not heard anything from the insurance claims department. 
We have worked tirelessly since Hurricane Ian hit us on XX/XX/XXXX and LoanCare has caused us great stress and financial hardship as we struggled to put our home back together. 
My mortgage is current and payments have always been made on time. Please help us.
Consumer complaint received 2023-07-18
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. (WI)

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 accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report and noticed account not reporting properly and accurately! I have a late payment on my account and was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy! This account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2024. Im requesting you investigate and provide verifiable proof with records showing that i had late payments. If this cant be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/ 2023 using Bank of Americas mobile banking app I attempted to transfer {$8800.00} from my Bank of America checking account to my Bank of America savings account. When I completed the transaction I immediately realized I made a mistake and sent those funds in the form of an online banking payment to my Bank of America credit card account. 
After I realized my mistake I called Bank of America to reverse that payment and have it returned to my checking account. I was told by an agent that my funds were already in the possession of Bank of Americas credit card department and that I would have to wait until the next business day to call Bank of Americas credit card department. 
On XX/XX/2023 at XXXXXXXX XXXX XXXX I called Bank of Americas credit card department and an agent by the name of XXXX told me that she put through my request to have my funds returned to my checking account. XXXX told me that this could take up to 2 business cycles or 60 days for those funds to be returned to my checking account. I told XXXX that was totally unacceptable to me that I needed those funds returned ASAP.
Consumer complaint received 2023-07-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Ally bank was supposed to credit {$500.00} bonus cash on or before XX/XX/XXXX to one of my existing accounts after new money was brought in to open an account by XX/XX/XXXX and keep the new money until XX/XX/XXXX. 

This never happened despite many phone calls questioning when I will receive the {$500.00} bonus cash. Allys response was that there is no time frame when this cash offers will be credited to my account. A case number XXXX has been created.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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