davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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)

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 2023-02-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (SC)

On XX/XX/2022, I opened an Accelerate Savings Account with Citi. I was responding to an offer to receive a {$300.00} promotional bonus if {$30000.00} was deposited within 20 days of opening the account and then maintained in the account for an additional 60 days. The bonus also required I have a CITI credit card that was in good standing. All conditions were met and Citi is refusing to pay the bonus. They first stated the account was not opened until Monday the XXXX of XXXX. I have a printout of the account number they assigned showing XX/XX/2022, a Sunday. After I discussed that with a customer service representative, they opened a case. The letter I received closing the case stated my account was a basic Money Market account and did not qualify because it was not an Accelerate Savings account. All of my statements from them reflect this account as an Accelerate Savings. I have received similar promotions from other banks and they deposit the bonus as soon as the requirements are met. Citi has now been withholding the bonus and therefore I also have not earned interest on that {$300.00} because they are not upholding their terms of the agreement.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (GA)

I have been paying my mortgage through a bankruptcy trustee. All the payments have been sent. I noticed in XXXX the balance was larger than it should be I contacted the company and was told once all the payments were made from the trustee the account would be paid in full. I call or email every month after that intial conversation because even though im being told the account is being fixed it never is and i continue to receive incorrect statements. So i start emailing and calling each week being assured the account will be paid in full once the last payment from the trustee is sent. For the last two weeks ive been told the account will be closed out. I tried to follow up only to learn the person handling my account issue will not be back for a few weeks. I'm tired of running in circles and would like my deed sent to me. The account has been paid in full.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (CA)

This vehicle was sold in a lien sale approved by the creditor. They were notified in 2018 of the sale of the vehicle. They continue to leave the account open, they wont update the value of the vehicle since its sale. 

This account has not been in collections or repossessed since its sale. They are reporting a car on my credit that should no longer be considered an open loan. The car was towed by the city while my spouse at the time was XXXX. He attempted to put in a request to have the loan XXXX due to his XXXX. They did not respond, they offered a settlement but why would we settle on a car they signed off on selling. The tow company received approval from them to sell the vehicle. They have failed to update the accurate value of the loan since the sale Ive made several attempts to have the status updated.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (WI)

On XX/XX/2023 money was stolen out of my account in the amount of {$380.00} through XXXX I contacted my bank PNC to complain about this stolen money and they refused to reimburse me my money accusing me of authorizing the transaction. When clearly I have no connections to the alleged recipients of the funds. I want my money back!!! I filed XXXX complaints and they still refuses to reimburse me my money
Consumer complaint received 2024-03-12
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. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

Hi I have had so much fraud Im going through identity theft and they still have my things denied and the first one is like XXXX and the second one is XXXX and its like stupid things, that I would never do no matter what I give them as documents they still deny it.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MT)

On XX/XX/2022 a letter was received from Wells Fargo stating that they had closed our savings account. This was not requested by us as the consumer but rather taken upon their own accord. Reason for closing was prolonged overdrawn status and they state we owe {$53.00}. This amount is the result of fees that were charged on wire transfers that were fraudulent. Wells Fargo was notified within minutes of the first transfer request of the fraud yet still let it and a second transfer go through. AND they charged us fees. Fees which I was told not to worry about. No our account has been closed without our {$25000.00} being returned to us and on top of it they are asking us to pay them {$53.00}.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I sold my XXXX on XX/XX/23. I requested a payoff statement from 5/3 bank through XX/XX/23, but it closed on the XXXX. That meant that 4 days of interest were due to be refunded to me. 

5/3 Bank did refund the appropriate amount of escrow, but missed refunding {$110.00}. 

I caught the error on XXXXXXXX when logging into the portal. I called customer service and the woman escalated to a manager. They agreed I was correct, filed a claim, and said the appropriate amount would be refunded. When the check arrived, it was for escrow only. 

I called again on XX/XX/23 at XXXX and spoke with XXXX XXXX XXXX indicated that there was no record of my prior call, that I " must have spoken with another department '' and that he agreed with my analysis but would need to open up a case. He would not give me a case number and said I needed to wait 7 business days for a call back. 

The interest paid was for 17 days at {$500.00}. The interest per day was then {$29.00}, and if the loan closed on the XXXX, then I should have paid {$380.00} in interest. Therefore there is a refund due of {$110.00}.
Consumer complaint received 2023-01-19
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)

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 any item 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-19
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. (CT)

On XX/XX/22, there is an unauthorized inquiry from XXXX XXXX on my Tran Union credit report. Trans Union illegally and negligenntly simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$610.00}
Consumer complaint received 2023-10-25
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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
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. (FL)

The named company has violated my rights by improperly furnishing collection without my written consent. The law states that I have the right to privacy and no credit or collections company can not my personal information without my written consent, this account MUST BE REMOVED IMMEDIATELY. this account was also FRAUDULANTLY OPENED AND WAS PREVIOUSLY REMOVED, IT CAN NOT BE RELISTED AND I DIDNT APPROVE OF THIS. 

XXXX # XXXXXXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX XXXX, and this statement is being written by me. Per Fair Credit Reporting Act 15 USC 1681 section 602A states ; I have rights to privacy. According to 15 USC 1681 section 604A Section 2, consumer reporting agencies can not furnish an account without my written instructions. US Code section 1681C-2 states a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft. These accounts should not be listed on my consumer report as they are in violation of 15 US Code 1681. I never gave any consumer reporting agency written consent/instructions to report anything on my consumer report which violates my rights as a federally protected consumer. Additional Unauthorized hard inquiries ; 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 2023-02-14
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: Convergent Resources, Inc. (VA)

Convergent Outsourcing is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Convergent Outsourcing failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Convergent Outsourcing and Im demanding them to remove the collection account from my consumer report.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Fraud charge on XX/XX/XXXX in the amount of {$3900.00} to XXXX XXXX XXXX TX Notified credit card company on XX/XX/XXXX at the same time that the credit card company notified me of the suspicious charge. New credit card was issued. 

Credit card company dismissed fraud dispute after claiming they were unable to contact me with additional questions. After searching phone records and emails i was unable to find any contacts from the credit card company. 

Re-Initiated Fraud dispute on XX/XX/XXXX. I was informed that I should make a police report of the fraud and was referred to this website by law enforcement.
Consumer complaint received 2023-02-14
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)

this complaint is being made by me personally not by a third party or just some template letter. I tried to purchase something on credit and they told me i didnt qualify and then when i looked at my credit report i noticed some accounts that i never signed up for.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (WA)

I worked with XXXX XXXX ( Personal NMLS # XXXX ) at XXXX XXXX Mortgage XXXX on a mortgage recast beginning in XX/XX/XXXX that resulted in a 60-day non-payment of my monthly mortgage that damaged my credit report. He explained late payment was part of the standard process. Due to multiple delays and lack of responses from XXXX, I ended up still paying the monthly mortgage twice, but it was paid for future months ( currently I am paid up until XX/XX/XXXX ). I repeatedly asked XXXX why I had a late payment notification and he told me to disregard it. I see now my XXXX XXXX has dropped from XXXX to XXXX. 

All of this is documented in the attached email exchange. Please see attached XXXX  screenshot showing XXXX XXXX late payments. Please take note of XXXX 's extreme lack of follow up, and 2+ week delayed responses.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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.
Consumer complaint received 2019-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I XXXX XXXX have Noticed a Collection debt from americollect showing a balance from XXXX  XXXX XXXX XXXX XXXX of {$400.00}. Ive called. Americollect and asked for information on this they said what the hospital name was and i do recall going to XXXX XXXX XXXX hospital on or around XXXX of XXXX so i called the hospital XXXX XXXX XXXX hospital billing department and asked for my itemized bills if they were paid by my insurance and or sent to collections. Hospital tild me they dont send bills into collections. So i called my health insurance provider and asked if i had any bills with an amount due or if any was sent back and they stated no as well. Ive had medicade my whole life and have never had an issue. I pay my bills no matter if its paynents or not. Well i called americollect back and explained what i was told by both my insurance and the hospital billing department and they said it was sent to XXXX which is the hsopitals billing agency or somthing like that. Well ive reached out to them and asked for the bill thats due of th e amount of {$400.00} and i have yet to recieve that. I asked why wasnt i informed or noted of this bill before it went into collections having 4 month period from the time they said i went to the hospital which was in XXXX of XXXX and was recieved to collections on XXXX of XXXX i was never called which ive had the same number since. i havent recieved a bill or anything. Ive had my social secreity card stolen from me when i was a teenager. About XXXX XXXX XXXX. Ss has flaggd my account since. Well since no one can give me detailed i formation or couldnt reach out to me to pay this debt owed. I have lost out on alot of money by getting my credit up high to americollect to destroy it by dropping me down 60 points. I need help figuring this out. The hospital sent me my bills from that month and year which neither have that amount owed or date. I have all proff i need so why cant XXXX  help me when i pay them to check my crwdit every month. This is getting out of hand. And ruining my life.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/2023 I received XXXX emails between XXXXXXXX XXXX ( PST ) anXXXX XXXX XXXX ( PST ) from an account claiming to be Bank of America. The emails asked me to verify my email, notified me that I had applied for, was approved for, and had opened a Bank of America XXXX XXXXXXXX XXXX  account, and finally notified me that I had changed my e-mail address. The emails were sent from XXXX XXXX XXXX. 

I called Bank of America to report the fraud but have been unsuccessful as I do not have the checking account number.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I have a lot of hard inquiries on my credit report which I didnt authorize or give permission for my credits being ran. I would just like them deleted asap. I havent applied for credit since 2020