davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
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. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number : XXXX XXXXccount Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX I received a email stating I opened a Bank of America prepaid pay card for my unemployment benefits? Which I did not authorize due to the fact that I have a current saving/checking account via XXXX  since XXXX. The prepaid was ordered and sent to a address located in California to receive NEVADA benefits which is disappointing in the BIG name Financial institution Bank of America did not do there due diligence to secure the identity of the person opening ANY account. I have requested for this fraudulent account to close immediately and to issue any funds verbally in via email lastly Im asking this agency to step in to receive the documentation this account can not be opened again and the funds owed to me.
Consumer complaint received 2024-03-21
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. (VT)

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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.
Consumer complaint received 2023-03-08
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (PA)

I have on multiple occasions attempted to withdraw my funds from the Robinhood platform. Despite the funds being marked as " withdrawable '', my requests for withdraw are repeatedly denied. Robinhood has provided me with the reason for this issue is due to having to verify my ID, which I have done multiple times with numerous Robinhood associates over the course of 4 months. Robinhood has prompted me to provide them with the front and back of my driver 's license, and a live selfie in order to verify my ID and lift the restriction that is on my account to allow for withdrawal. I have provided Robinhood with this information numerous times.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL)

My mortgage was with XXXXXXXX XXXX and I was on the covid relief program when Rushmore mortgage took over my loan and did not tell me that they did not put me on the covid relief program and now they have gone back not only to the first date that XXXXXXXX XXXX put me on the program but also when they got the loan. They also have not given me any time to try and get a forbearance or anything of that nature and they have pursued foreclosure instead of pursuing contacting me so that I can stay in my home
Consumer complaint received 2023-05-19
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. (IL)

I had a fraudulent charge of {$90.00} made to my account in XXXX of this year. I discovered this in XXXX and had Macy 's Fraud Investigation Department begin an investigation immediately. They closed the stolen account and opened a new one. They released a letter on XX/XX/XXXX ( attached ) claiming that they could not find evidence to support my claim. And they moved the disputed charges ( plus late fees ) onto the new Macy 's credit card. 

I was told by the Macy 's Fraud Investigation Department that this fraudulent charge was made in person at a shop in California. I was in XXXX during the entire month of XXXX, which I can prove through GPS data, various purchase receipts, security camera footage, and photographs on my phone. 

Macy 's was silent since XXXX until XX/XX/XXXX, and my credit score went down by XXXX points because of this fraudulent charge. When I reported this to consumer reporting agencies in XXXX, they finally closed the investigation but it was against my favor. They are literally charging me for a purchase that I can prove could not have been made by myself. 

Please help me resolve this issue.
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

On XX/XX/2022 I requested a refund of all payments made to my student loans from Mohela in accordance with the CARES act. I have received 2 loan refunds in the amount of XXXX, but I am missing two payments for over XXXX that were made to XXXX. XXXX is no longer servicing the loans. I have since called XXXX, XXXX, XXXX, XXXX. XXXX XXXX I attempted to call and could not get in contact with a representative. It has been close to 5 months without resolution.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (CA)

On XXXX  XXXX XXXX. My chime credit card was charged at XXXX trip and I started a dispute with XXXX also chime but chime denied my dispute and XXXX couldn't do anything.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America seems to be withholding my phone number from registering it with another bank. I unenrolled from the XXXX service with Bank of America and I called XXXX to confirm that my phone number was deactivated within their service. However, I still can't register with XXXX XXXX, XXXX, XXXX XXXX, etc. The XXXX XXXX XXXX XXXX mentioned that Bank of America is probably holding the token. 

In summary, I can register my phone number with Bank of America and deregister it, on and off, without any problem for the XXXX service, but not with other banks. I do not like that my number was hijacked by one bank and lost its freedom.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ACCOUNTS HAVE NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunnova Energy Corporation (CA)

SUNNOVA Energy Corporation violated my rights In accordance with the Fair Credit Reporting Act, under 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 an account without my written instructions. SUNNOVA has also violated the California Consumer Privacy Act ( CCPA ) by violating my right to delete, my right to opt out, and my right to limit. I provided SUNNOVA two ( 2 ) notices exercising my rights under FCRA, FDCPA, and CCPA and they continue to recklessly and negligently violate my rights. SUNNOVA also has also violated my rights to privacy under the 1974 privacy act by sharing my personal information with the credit reporting agencies ; namely, XXXX and XXXX. SUNNOVA has also committed securities fraud by using my personal information and the note attached to the installment agreement, as receivables to put into their trust and continue to make profit by continuously trading those notes on the primary and secondary markets. This is all according to their own company 's 424B prospectus. However, SUNNOVA failed to remit the equitable interest to me as a silent investor and bonafide purchaser into their company. They also fraudulently filed a UCC-1 in XXXX County , in the state of California without proper notices being sent to me according to California law and their own contract and installment agreement. Lastly, I sent to SUNNOVA a properly indorsed and endorsed note, giving it value, for SUNNOVA to satisfy any outstanding financial obligations but remit to me the equity to which I am claiming all rights, titles, and interests and revoking the same from SUNNOVA. SUNNOVA is also in violation of 15 USC 1692g ( a ) as they have not communicated any debt owed in writing.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

Received a 1099-C from a Bill Me Later, Inc with the description PayPal Credit . in the amount of {$1400.00}. I have called the number on the form and left repeated messages. I " never '' signed up for this service. I had to XXXX search, what Bill Me Later even was. I do not even have a business that would need a service like this. The first I heard of this was receiving the 1099-C. This creates a problem for me because this is reported to the IRS. Any help in resolving this would be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP (TX)

On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All three credit bureaus are not reporting on time and ignoring my letters, XXXX if not all credit information is reported 120 days late no change in accurate information, reporting duplicate late reporting incorrect name, spelling and addresses wrong debt owed not deleting debt owed after 10 years
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (VT)

I attempted to open a RUNNINGS master card account on Thursday, XX/XX/2023 at XXXX XXXX per the store 's ( XXXX  ) sales promotion. 
The sales clerk applied for the card at the time and point of purchase per their standard procedure. 
The bank ( XXXX XXXX XXXX XXXX XXXX ) denied the application at that time. 
I contacted the bank directly, by phone. 
The bank would not provide any information on the phone pertaining to the denial. 
The bank mailed a denial response letter to me ( XX/XX/2023 ), ( ref # XXXX XXXX XXXX XXXX XXXX ) The denial letter listed several possible reasons for the denial. 
I contacted " credit services '' at the bank, inquiring about the specific reason for denial. 
The bank would not give me a reason for the denial The bank listed my credit score at that time as " XXXX '' ( excellent ). 
I believe that the bank has made an error in their denial. 
The denial of this credit card resulted in financial harm to me, as the promotion associated with the acquisition of the card was not available to me.
Consumer complaint received 2023-05-19
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: Porsche Financial Services, Inc. (IL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that 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 XXXX XXXX. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! 

Update the account to Paid on time and never late. Or remove it from my consumer report.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ON THE ATTACHEMENTS ARE MY TRANSUNION CREDIT REPORT IM DISPUTING IN METRO 2 COMPLIANCE. SHOWING ALL MISS INFORMATION INACCURATE REPORTING.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax, XXXX, and XXXX has been providing false information on my credit report. 
The company 's have been contacted via phone in this regard. 

XXXX 's website has not allowed me to check my credit by phone or online and informed me that the information in there system is not correct. Names, date of birth, and also the social security number. 

I have a copy of this information for the record. 
The other error in information is about positive credit and, on time credit payments should equal to a positive impact. 
Even that the child support payments have always been paid on time. 

I paid off a account and still have not gotten a fair credit score. When there is no negative debt owed to anyone. 
Instead of increasing the credit score it actually decreased when I made the payment in full. 
Pre-poppulated an email sent to my account that my credit score has new updates and prompted me to login to their website and make a payment to boost my account. 

XXXX completely block 's me out the account even though they were sent the requested documents. 

Equafax has done similar actions. Requesting me to purchase their credit boost. The false information is still in the system. XXXX did increase the credit score when the last debt payment was paid. 
However there are other names on my credit report that are false and information about my identity.
Consumer complaint received 2020-04-22
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: EQUIFAX, INC. (WI)

I contacted XXXX on XX/XX/XXXX via and requested that the inquire from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, along with XXXX XXXX dated XX/XX/XXXX be removed from my credit report. I was informed by XXXX that I needed to contact the companies directly. I informed them that these inquires took place when the freeze was removed from my account, and it was no made by me applying for XXXX XXXX card, I already have one with a 13k limited and was not looking to refinance my home, my current interest rate with XXXX XXXX is 3 % and I did not authorize either company to pull my credit report for any reason. But, I was still told to contact the companies. Due to the pandemic I had no luck with connecting with the mortgage company XXXX XXXX that could help me during this time. With XXXX card, I spoke with someone and the lady said she would send the information to the fraud/investigation department, because I only became aware of the inquire in XXXX due to the denial letter I received in the mail, I never received anything regarding the XXXX inquire. I received a letter from them stating the inquire would be removed and they would contact XXXX, but it was only for the XXXX inquire, I also received a letter stating they would remove the XXXX inquire and they would only contact XXXX. Please review the attached letter for XXXX and XXXX inquire.
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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. 

XXXX XXXX XXXX Account Number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-03
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: T.S. Holdings (WA)

From XXXX, I made several disputes on my credit report to report accuracy and validate the debts on my report. There is an account with the name IQ Data International in the amount of {$3200.00} that is being reported incorrectly on my report. It states on my report that the date of last payment was XX/XX/XXXX and I never made a payment to them on this date. In addition, the date of first delinquency is in not in XXXX of XXXX. I have attached the statement and email conversation from the original creditor accounts receivables manager who stated that the account was already sent to the credit bureau but she was going to allow me to take care of the balance to have it removed. No payment was ever sent in by me. The last date of delinquency is XX/XX/XXXX and this is not reflected properly. This account should be removed and report correctly and will also expire from my report in XXXX not XXXX. I have sent a settlement offer to the creditor to settle this account, in which I have yet to get a response on, however this is being accurately reported on my all of my reports. This is a violation of my rights according to the FCRA, IQ DATA INTERNATIONAL and these 3 credit bureaus have violated these rights of mine as a consumer. I also never received anything showing validation after my initial dispute in XXXX with the credit bureau, I had to do lots of research on my end to locate this statement in my email inbox. No proof of contract or communication was sent to actually validate and ensure it was correct.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.