davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
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. (TX)

I want my delinquent payments deleted from my XXXX  acct # XXXX. Under law 15 USC 1666 states you can not report delinquent payments on my credit report. I want them removed within XXXX hours of this complaint.
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. (KS)

I paid {$6500.00} to XXXX IN XX/XX/2023 They have not shown this on Transunion Ive reported it 15 times They keep removing my dispute One time they showed the credit But it was removed! 
This has been ongoing since XX/XX/2023!
Consumer complaint received 2023-08-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION (SC)

With Penfed Credit Union, I had a credit card account, line of credit, and a car loan. I had let the credit card and line of credit default as I am on a debt settlement plan. They have since charged off these 2 accounts and have disabled the ability to pay my car loan as a retaliation.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-03-22
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. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I have been in an active dispute of contract with PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX They attempted to foreclose on my property in XXXX of XXXX  this action was withdrawn. I recently received harassing and threatening correspondence from both parties attempting to exhort large sums of money and threats to again try to take my home. In a recent correspondence dated XXXX XXXX  PennyMac Loan Services LLC admitted they have been refusing to provide me with a contract proving that they gave fund to me for a loan. They also stated they are the Landlord for the Loan Originator. And that the Loan Originator are not the ones requesting repayment but PennyMac Loan Services LLC is requesting payment without having a contract. Ive repeatedly asked why they keep harassing me. They said im behind in payments but not in default with my contract with the Loan Originator. Which means no funds are tone paid to anyone except the Loan Originator who in not the one taking me to court or asking for funds. Under 15 U.S.C. section 1639b Penny Mac Loan Services LLC quoted that my agreement was to the Loan Originator not them and that I agreed to repay the Loan Originator a monthly payment of {$1.00}, XXXX for 30 years. Yet PennyMac Loan Services LLC and XXXX XXXX XXXX XXXX. are trying to fraudulently exhort {$1900.00} a month.And are making a claim of contract between PennyMac Loan Services LLC and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX they refuse to produce a contract as stated in the letter dated XX/XX/. They don't have any financial hand in anything dealing with my Loan Contract with the Loan Originator. I pay my own taxes and homeowners insurance. So they are committing fraud and threatening me with losing my home and freedom.
Consumer complaint received 2021-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Four Directions Lending LLC (AZ)

I have gotten repeated calls from 2 different numbers starting with XXXX. They have called me at XXXX XXXX. They have called me multiple times a day. Once they called right back after I denied the call at XXXX XXXX on XX/XX/21. They have called me on the weekends. Today, XX/XX/21, they called me at XXXX XXXX and it is Sunday! Here are the numbers that they have called from XXXX XXXX I also have a voicemail with them yelling in the background about something.
Consumer complaint received 2024-03-22
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. (MD)

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. Please see attached file for these items I am complaining.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
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: EQUIFAX, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original XXXX XXXX XXXX XXXX OF XXXX ) XXXX Balance : {$810.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: INVESTORS BANK (WA)

I signed up for Investors Bank on XX/XX/XXXX under their promotion where I would receive {$250.00} over 10 months. You are eligible for the bonus each month if you have an ACH deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, you have Mobile Check Deposit ( s ) totaling {$500.00} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle. 

I made ACH deposits totaling {$500.00} or more each month but still did not receive anything. I called Investors Bank and was told that the promo code was attached to my account and that I would receive a call over the new few days after they had researched the issue. I never received a phone call and this time sent a secure message requesting the bonus. 

I received the response saying Thank you for your email inquiry. When you opened the account in XXXX there was not reward promotion available at that time. '' The promotion was in fact active and the other representative confirmed the code was on my account.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1600.00} XXXX - XXXX XXXX XX/XX/XXXX - {$48000.00} XXXX - XXXX - XX/XX/XXXX - {$45000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$470.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

I received an email on XXXX from a XXXX XXXX from XXXX XXXX  XXXX  inviting me to contact XXXX XXXX XXXX thru XXXX XXXX. I interviewed for the remote position and soon after got the job. I was told all computer equipment would be paid for and they would provide vendors that had great prices. I received a check for XXXX for XXXX. I mobile deposited the check and Wells Fargo put the check in a XXXX pending and 24hrs later posted the check. After the check posted I was told to Wire transfer thru Wells Fargo XXXX XXXX XXXX : Here is the vendor wire transfer information : Bank name : XXXX XXXX XXXX Account Name : XXXX XXXX Account number XXXX Routing number : XXXX XXXX  address : XXXX XXXX XXXX XXXX  XXXX Account holders address : XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX  XXXX XXXX XXXX : - XXXX Then I received a 2ND deposit check for XXXX I mobile deposited this on XXXX and was told XXXX was instantly available. They had me get an XXXX XXXX XXXX ( for computer software ). It went in as pending and posted the next day. I was told to wire again the same person for XXXX on XXXX and also do XXXX XXXX XXXX debits ( these thru XXXX have been returned to me ). On XXXX a 3rd check for XXXX came in. I mobile deposited that, then I received an email from Wells Fargo that the first check was bouncing. I called the bank and asked for the fraud department. They told me all deposits would bounce and this was a fraud case, They set up XXXX claims. The checks did bounce and now My account is in a minus. I received another check for XXXX I took it to the back where I was told this was a bogus check. I started me thinking If the bank knew instantly the deepest check was bogus why didn't XXXX Mobile deposits cameras pick this up.. They didn't flag the deposits or put them in pending for a few days. I have been with Wells Fargo for 20-25 years, I know pending checks and then finally posting deposits. 
I find Wells Fargo complicent in this. We use a bank to have protection not to waive responsibility which they have done on XXXX occasions. We have filed with Attorney General Office in Pennsylvania, they reached out to Wells Fargo to deal with this. I have a case manager in XXXX, I hope to connect with him next week. I filed with FTC and FDIC and the police in XXXX.
Consumer complaint received 2024-09-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

My wire transfer has been blocked by Chase bank on XX/XX/year> ( reference number XXXX as per attachment ) under sanctions program XXXX. 
I have duly applied for an XXXX license as it was advised and finally received it on XX/XX/XXXX ( license is attached ). Chase bank has surely received the license and yet have not released my funds after 1 month. Inquiries from recipient bank are also un answered.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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. (OH)

I Have no knowledge of this account, XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2024-09-28
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: OneMain Finance Corporation (IL)

Inquires on my credit report I do not recognize! 
XXXX XXXX inquire date XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Customer Service Department Bank of America XXXX Credit Card XXXX Re : XXXXXXXX XXXX Card Account # XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the unauthorized interest charges and transactions on XXXX XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX ) for both XX/XX/year> and XX/XX/year>. 

Despite the fact that I have never used this credit card, I discovered that Bank of America applied charges to my account in both months without my consent or prior knowledge. It appears these charges were made to cover overdrafts in my personal debit account, without my authorization. This constitutes a breach of my financial privacy and rights under the Truth in Lending Act ( XXXX ) and Regulation Z, which requires creditors to obtain clear and explicit consent before charging a credit card. 

Here are the specific details of the charges I am disputing : XX/XX/year> : Bank Cash Advances ( Overdraft protection to debit account # XXXX ) : {$78.00} Interest charged on direct deposits & check cash advances : {$0.00} Total interest charged : {$79.00} XX/XX/year> : Interest charged on purchases : {$95.00} Interest charged on balance transfers : {$25.00} Interest charged on direct deposits & check cash advances : {$0.00} Total interest charged : {$100.00} In addition to the unauthorized charges, these actions have also caused my XXXX XXXX to decrease, as the late fees and high utilization ratio on my XXXX Credit Card were reported to credit agencies without my knowledge. This has caused me significant harm, as my XXXX XXXX is a critical factor in financial decisions, and your actions have unfairly penalized me for transactions I did not authorize. 

I consider this a serious violation of my consumer rights, and I request the following actions immediately : XXXX. XXXX reversal of all unauthorized interest charges from both XXXX and XX/XX/year>, totaling {$180.00}. 
XXXX. Clarification on how these overdraft transactions were processed without my approval. 
XXXX. Restoration of my XXXX XXXX to its previous standing before these unauthorized actions, along with any corrections submitted to credit reporting agencies. 
XXXX. A review of my account settings to ensure that this does not happen again, and an assurance that Bank of America will follow the Truth in Lending Act ( TILA ) and Regulation Z in all future transactions. 

This incident has caused me significant financial distress, and I expect this matter to be resolved as quickly as possible. If this issue is not resolved to my satisfaction within 14 days, I will be forced to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal action for the breach of my consumer rights. 

Please address this issue urgently and provide me with a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BBVA FINANCIAL CORPORATION (NY)

Bank was switched from Simple to BBVA, I was locked out of trying to open an account and have been unable to access my money for 2 days now. Have called BBVA multiple times, am either hung up on disconnected. My access to my entire checking account is gone - I can not access any of my money. 
BBVA did not attempt to email customers, only found out what was happening through searching on XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Experian is impossible to deal with. I tried calling them multiple times to get a credit freeze removed, and could never get anything other than an automated response without being placed into a queue to speak to a specialist. Unfortunately I forgot my freeze pin and needed to go through this process. 
I tried to access my account online, and received errors in every case, the recovery text never arrived and the system denied me access even after recognizing my credentials. 
I sent a written letter since this was the only option, and received no confirmation of receipt or action on the freeze. I tried to find customer support email addresses, emailed them and got no answer. 

Someone really needs to do something about Experian 's customer service, it is downright adversarial. It shouldn't be this difficult to get verified and take action on a personal account.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NC)

I reviewed my Consumer Report and noticed that I have a few late payments on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for the account XXXX  ending in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks