davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-16
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. (SC)

I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX  XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (GA)

I requested funds be distributed from my 'XXXX  XXXX XXXX account ' to my 'XXXX  XXXX XXXX IRA account ' on XX/XX/2023. I sent wire transfer instruction for this to be done however a paper check was issued instead. This has caused my money, which is {$26000.00}, to completely disappear. 
The physical check was cut and mailed on XX/XX/2023 to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX and deposited there at that location on XX/XX/2023 ( I have a copy of the cleared check ). The wire instructions had the funds being funneled through Citibank and into a XXXX XXXX account. This did not happen. Not only do I not have an account at Citibank the account number that was listed on the distribution check ( which I have a copy of as well ) had a XXXX XXXX 's wire account number listed and the funds did not get deposited there either. 
To sum this up, Citibank deposited a check that was issued to me XXXX XXXX ' with a XXXX XXXX XXXX account number ' listed and rather than depositing the funds into that account number or returning the funds to the sender, they were deposited into Citibank leaving me with no access to my retirement money. I've had zero gains on this money for over 30 days day and everyday that the money isn't in my Roll Over IRA I am losing money.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (NY)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-16
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: Roadrunner Account Services, LLC (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

Walked into XXXX XXXX about trading a XXXX with cosigner to that vehicle. Found 2 vehicles and had the co-owner to visit dealership to sign. She who is XXXX XXXX wanted to wait 24 hours to check consumer reports. The saleswoman asked if I wanted to purchase another vehicle used not new at lesser price I agreed if she could get it done on XXXX, XXXX, XXXX. I purchased tires plan and lifetime oil changes and gap insurances. It was no longer a joint purchase as trade in vehicle from XXXX XXXX. They refused to add any oil or any fluids to the vehicle the next day. There was an extended wait on XXXX XXXX  to confirm so it went beyond closing and darkness So I decided to return the following morning and remove all items from the trade-in. There was no gas in the new purchase XXXX XXXX I added. They made appointment for tire issue the mechanic gave printout of problem the panel read to give to saleswoman. But she sent her manager saying she could not talk to me for unknown reasons. The car continued to say take to dealer and I made several appointments they got increasingly hostile. They refused any oil services with the contract in hand to show it was paid. They called the XXXX XXXX XXXX XXXX in XXXX, XXXX  and without any warning cited me for trespassing and do not return. Their risk manager said it was not any mechanical issue or problem. They deny any wrongdoing and I definitely say I did nothing to any of those people but ask to buy a car. It hindered my movement driving.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi everyone.. I joined here to know more information and to give information..I applied edd for myself on XX/XX/XXXX online I couldnt do it I called them i was told you will get your money i was confused asked them I didnt even apply I called you guys for apply!! They said no way!! You had existing account from last year.. i was shocked and they asked me few questions some got matched with my information some didnt as in my email address and phone number didnt match.. then they found out my ex husbands email address and phone number there ... it was really shocking for me.. they gave me fraud department number website i filed report and I called thousand if times couldnt reach them.. I called bank of America they closed the account or freeze the account they checked he transferred all the money to Bank of America to his checking/savings account.. I asked them to help me they said only edd can help me!!! I called edd millions of times XXXX didnt even got anyone.. I filed police report for identity theft and fraud.. detective contacted me i told everything bank statements where it shows he transferred all the money to his bank after everything they are not helping me.. i am single struggling mom.. I dont work i have toddler.. I applied for job not getting any.. it seems like no one is helping me.. why?? I heard always no on can escape here.. but for me it seemed like really easy for criminals because there is no justice for victims..
Consumer complaint received 2023-06-22
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. (NY)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2021-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

First lets start off with me disputing this account with the credit bureaus. Time after time Convergent Outsourcing verifies this debt that I had no idea about. I finally sent them a validation letter to get more information on the account and to see if they are legally able to collect on the debt. It has been more than 30 days I have not received any thing from Convergent Outsourcing. I am also including the tracking number from USPS to confirm that they did receive my letter but failed to supply me with documentation from this account. 
Tracking XXXX XXXX XXXX XXXX XXXX Since they have ignored my letter they must delete this account from my reports. If they had the proper documentation I am 100 % sure they wouldve responded already.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC. (CA)

Ally Invest confirmed me that they will not charge me a fee if I close my Roth IRA after 6 month with ally Invest. I open XX/XX/XXXX closed it XX/XX/XXXX. 
They charged me {$25.00} fee. 
I contacted them to refund as what they said. 
They first rejected. 
I followed up again, they did not reply after I forwarded their email back XX/XX/XXXX.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Before I start I want to notify I reported what happened to the XXXX XXXX County Police on XX/XX/XXXX : The report was registered from Cpl XXXX # XXXX Report # : XXXX Phone # : ( XXXX ) XXXX - XXXX email : XXXX On XX/XX/XXXX I applied for a job on XXXX  : " XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, MD '' The day after I received an email from XXXX XXXX Subject : XXXX XXXX XXXX ( invitation to interview ). 
I followed the instruction creating a gmail account and contacting on XXXX Ms. XXXX XXXX, on XX/XX/XXXX at XXXX XXXX. These people I just named ended out to be fake people who were able to steal {$5400.00} of my money because my bank, Capital One, missed to communicate me that the checks these fake people sent me, were not covered, instead the morning I went to my bank for the withdrawal my account showed the money had been deposited. Misled by the wrong information I trusted these fake people and withdrew {$5400.00} from my account and deposited it on an account on XXXX XXXX. After that, these people disappeared and the checks I previously deposited on my bank account were reversed. 
All documents I am attaching have been filed in the Police Report. 
I spoke to the branch manager who told me the bank is not responsible for it.
Consumer complaint received 2021-05-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital 1 bank was supposed to send me a check for {$19000.00} capital 1 did not send me the check I heard that the check was cashed and I disputed it they were supposed to send me another check for {$19000.00} they've been closed my account they shut off all my checks so that way might check bounce so now I'm in XXXX XXXX for bouncing checks and this is capital ones ear they lie to me they deceived me they sent back {$1200.00} that was in XXXX account that I did not ask them to send back and they listed it as a withdraw capital 1 is a faulty bank and they have calls me nothing but problems I would like to super damages or I want my money
Consumer complaint received 2017-09-08
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: Continental Finance Company, LLC (AZ)

I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted XXXX XXXX XXXX and Continental Finance Co to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Herbert P. Sears Co., Inc. (CA)

During a XX/XX/XXXX phone conversation, an HP Sears employee claimed that I owed {$630.00} to XXXX XXXX for XXXX services rendered in XXXX of XXXX, which is an error. Without confirming the facts, The HP Sears employee threatened me by saying that HP Sears was going to place this claimed amount for ( act # XXXX ) on my credit report and that it would reflect negatively on my credit history. 
On XXXX at XXXX XXXX, XXXX XXXX  Charged me {$630.00} for the services and this was amount was paid in full via my XXXX Credit Card ( see attached XXXX  invoice ). The attached receipt shows this charge, the payment, and a {$0.00} balance after the payment was made. I do not owe XXXX XXXX the said amount, that is an error.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

Bank of America is reporting my mortgage as being late in XXXX and XXXX of 2020. BOA changed their mortgage system in XXXX. At that time I had cancelled an autopayment to an old account and my ex wife created a new payment plan. BOA attempted to take from both the old account and new. All the payments for the old account were returned but the payments from the new checking account went through just fine. Essentially they were trying to take double payments. 

My Ex wife has already sent them bank statements proving this. BOFA online banking also confirms that account was never late just returned payments from the old checking account. They removed the incorrect information a month ago just to report it incorrectly again. This is clearly a violation of FCRA. 

The previous dispute case with BOA was Late Payment Dispute Case # XXXX I've included the previous email to BOA including what online banking shows proving they're incorrect.
Consumer complaint received 2017-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

In  XXXX   XXXX   2017  i finished pay the full amount of {$330.00} wi th Diversified Consultants Inc. Cred itor :  XXXX  and the debt is continuing in my credit report like collection debt. I sent the proof to  XXXX  that i paid this debt and they didnt take out to my credit report like collection. Also i summited an dispute without positive result.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX DATE ( XX/XX/2023 ) {$560.00} -XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) {$220.00} XXXX XXXX XXXX OPENED DATE ( XX/XX/2023 ) XXXX I understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Army and Air Force Exchange Service (NM)

In 2018 my account was cleared in bankruptcy. Since then military star has went out of its way to post negative information on my credit report. They are reporting that it is in collections when it is not a valid debt and it is known by military star that the information that they are posting was cleared in bankruptcy. As of today the dispute came back and they are keeping the negative information saying that the account is in collections and it started after the federal bankruptcy court ruling. It has lowered my credit score even though I've never had any issues after bankruptcy.
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (GA)

I'm not able to withdrawal my crypto ( Virtual Currency ) because I'm not getting the verify emails to withdrawal. I get all other email and I've whitelisted all Binance.US emails. Binance.US is the only problem not receiving the emails. First email to Helpdesk : XX/XX/XXXX to report this problem, Ticket # XXXX. XX/XX/XXXX Binance.US responses : whitelist the emails. ( done ). XX/XX/XXXX 2nd response via email & XXXX ( NO RESPONSE ). I stated maybe the problem is with their Email XXXX XXXX ( XXXX XXXX XXXX ), an email delivery service, to send withdraw verify emails. XXXX will mark an email address inactive and will not send future emails to the email address if the address has had at least 1 delivery error in the past ( Commonly referred to as a Bounce ). XXXX XXXX issue Link : XXXX : XXXX I emailed and posted on twitter for status update on XX/XX/XXXX NO RESPONSE. Posted on XXXX for status update XX/XX/XXXX NO RESPONSES and today XXXX. 

XXXX : IDs :@XXXX  / @ XXXX Email : XXXX XXXX
Consumer complaint received 2022-11-25
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. (NJ)

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 the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-15
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. (GA)

I sent letters to the major 3 credit bureaus about these accounts. These letters were sent on XX/XX/XXXX. 
The information provided stated that the following accounts, hard inquiries, and collections have no authority on my account, as I authorized none of these inquiries. I requested that they be immediately removed as I have no knowledge of these accounts. 
Accounts XXXX XXXX XXXX XXXX - {$380.00} The XXXX XXXX XXXX  - {$0.00} BXXXX XXXX XXXX - {$1300.00} Collection XXXX XXXX XXXX. - {$430.00} Hard Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX Total XX/XX/XXXX CXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX