davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLIANT CREDIT UNION (AZ)

On XX/XX/2021, I submitted an application with Alliant credit union for their Visa platinum rewards credit card. Initially, I got message that I was approved for {$2500.00} of credit pending submission of documents about my residency status. 
I've been in the XXXX for over seven years now, initially 5 years on a XXXX visa and now I'm in XXXX of 6 years in XXXX status. Because the visa needs to be extended after the initial XXXX period, Alliant denied my application, arguing that I had less than XXXX year left on my visa. Because the visa is only going to be extended at the end of the first XXXX period, I'm not able to provide a " proof of extension '' that was requested by Alliant until XXXX. 
While it is lawful to consider immigration status to determine credit-worthiness according to the Equal Credit Opportunity Act ( ECOA ), Alliant stated that they generally do not lend to applicants with short-term immigration visas or work visas that don't have enough time remaining. This practice does not adequately consider that XXXX visas are usually extended up to 6 years ( at the end of the XXXX period ) and often result in application for permanent residence, not does it consider community involvement/duration of residency and thereby the applicant 's likelihood of repayment. 
In Alliant 's case, they don't even use residency status to factor it into their loan decision, but generally exclude applicants based on residency status, which is a clear violation of ECOA.
Consumer complaint received 2020-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I was looking on my XXXX XXXX report and saw two collections account from the same company LVNV FUNDING LLC for 12 XXXX XXXX XXXX XXXX for the amount of {$710.00} and {$610.00} on XX/XX/XXXX XXXX I would like these charges to be deleted off my report because I am unfamiliar with these companies thank you for your time
Consumer complaint received 2022-05-05
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. (NJ)

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 Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # 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 2020-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I've been in a communication tag with XXXX XXXX XXXX for over 4 months. In XXXX, I was the victim of identity fraud, I called XXXX immediately. The person on the phone assured me I had nothing to worry about and that nothing would report to the credit agency while I fixed my payment accounts. 

In a response from XXXX XXXX XXXX to my complaint, they sent me someone else 's account information as a reply! This is extremely negligent and a slap in the face because I was just a victim of identity fraud. I've attached the letter here.
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (IL)

At around XXXX on Thursday XX/XX/2023 I attempted to make an ATM deposit for {$1300.00} At Huntington Bank XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX. I placed the cash amount in hundreds when it asked to deposit the amount. The cash went more than half way through and then jammed. When I tried to retrieve it began counting the bills and only counted {$200.00} it didnt give me any other option and wouldnt allow me to retrieve the full amount! I attempted to add another dollar thinking it would count the rest of my deposit but only gave me a total of {$200.00}!! I attempted several times to get in contact with customer support but was unable to reach them because of customer service was closed! I then ended up calling 911 and the officer made a police report and told me that I should comeback in the morning and have them check the ATM cameras and have them count out the ATM. This has left me distraught and fearful of ever using an ATM
Consumer complaint received 2020-06-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A. (NJ)

I am using XXXX as a bridge to protect my financial information leaked online through transactions. I have an account with PNC and they block my ability to connect to my XXXX account, which other users are able to do so without issue. I tried to talk to them, they asked me to talk to XXXX but they are the one who block the connection which is supposed to be legally allowed.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I signed up for TransUnion so I could get my free credit report with them. While signing up I was required to provide credit card information because the only way to get the report was to sign up for their credit monitoring program. 
I did not want their credit monitoring, counseling or alerts. It wasn't until I was a member and charged {$27.00} for my credit report that I was offered the link for a free version through a 3rd party. Like the other 2 credit bureaus I should be able to get it from TransUnion for free and not pride my personal information to a 3rd party. 
No I have a membership for the next month that I don't need or want and have cancelled but still won't get any money back.
Consumer complaint received 2020-04-08
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. (AZ)

On XX/XX/2020 at XXXX I recieve an email alerting me to a change in my credit report. The alert further states that a Chapter XXXX bankruptcy was filed with the US Bankruptcy court on XX/XX/2020. I immeditately take off work and begin the process of filing an identity theft claim. I go to identitytheft.gov and file a complaint while I am on hold for 45 minutes waiting to speak with someone from TransUnion. I finally reached XXXX at TransUnion who confirms the bankruptcy is reported on my credit report. I asked her what court and who can I contact who can provide more information. She told me the lawyer name is XXXX XXXX and the bankruptcy was filed in the US Bankruptcy Court of Arizona. I contact the US Bankruptcy Court of Arizona who confirm they have no bankruptcy under my social security number. I then call the attorney who confirmed that his client and I have the same name, spelled the same way and both of us have the same last 4 digits in our social security number, however after confirming the first 3 numbers of my social and my address he commuicated I am not his client and stated TransUnion likely failed to review other identifiers to delineate my identity from his clients and suggested I contact them again. I contact TransUnion ( File number XXXX ) again and spoke to XXXX and provide all the pertinent information for them to validate my story and was told again their investigation takes 30 days and they have documented the information I provided on the attorney. I am in the middle of a refinance, I have a day of lost wages only to find out Transunion is the only bureau of the 3 credit reporting agencies who failed to do their due dilligence. This not only impacts my credit score but I have another persons personal information on my credit report. 30 days is not acceptable to resolve this issue and a fine or some sort of process change should occur to ensure when there are similarities amoug people ( names, DOB, etc. ) that additional quality control mechanisims are implemented to mitigate errors.
Consumer complaint received 2023-01-07
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)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX XXXX XXXX TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of XXXX XXXX  XXXX XXXX Balance : {$0.00}. I believe it was reported in error.
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (LA)

In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected rights of privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX 
Account/Reference # XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # XXXX All Following Accounts Listed Above 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (MI)

I have had a direct express card as long as I have been collecting XXXX social security. I was in an unfortunate situation last year, I was living in a XXXX house trying to get my life on track and I made a stupid mistake and got XXXX while out for the day while living at XXXX XXXX  in XXXX XXXX, MI. Well, at the time I was XXXX   my wallet was in my vehicle and a guy that was with me was named XXXX XXXX, I told him to drive my vehicle back to the house for my father to pick up at a later date. Not even realizing my wallet was still in the vehicle. Well I was XXXX XX/XX/2018. That day I was XXXX XXXXnd my benefits were suppose to be stopped, well they were not. This gentleman managed to access my account ( because my card was in my wallet and there WAS NO CHIPS IN DEBIT CARDS THEN SO THEY CAN BE RUN AS CREDIT AND JUST SIGN A BOGUS SIGNATURE AND IT GOES THROUGH '' I get out of XXXX XX/XX/2018 I was in XXXX for this entire period of time with NO ACCESS WHATSOEVER to my debit card. I was released from XXXX AND THERE WAS A LOCKOUT OF MY DEBIT CARD from my individual phone it links it to my card, so I only have to enter the last four digits from my number if its anyone elses number I have to input the entire card number or my social security number SO WHEN I GET OUT I CALLED TO CHECK TO SEE IF I HAD ANY GAS MONEY BECAUSE I THOUGHT MY BENEFITS WERE TURNED OFF. My social security card was in my wallet. When i was released I should have had an entire payment from social security on there, it was not there in fact I found out while I was literally locked up, my card was being used all over XXXX  michigan, successfully might I add and my account was drained. Ive had them investigate this and they must not know their own loopholes because I believe with my social security number he was able to access my account and change my pin OR ran it as a credit and only had to provide a signature that does NOT have to match mine. NOW NOT ONLY DID I GET THIS MONEY ILLEGALLY STOLEN FROM ME, SOCIAL SECURITY IS DEMANDING AND RECIEVING PAYMENTS EVERY MONTH FOR THIS MONEY THAT THEY SHOULD NOT HAVE PAID ME IN THE FIRST PLACE BECAUSE I WAS XXXX. THIS IS AN UNJUSTICE I HAVE ALMOST PAID THE FULL AMOUNT BACK BUT I NOW HAVE BEEN SHORTED ALMOST XXXX DOLLARS OFF EACH OF MY CHECKS FOR THE PAST FEW MONTHS. I AM URGENTLY HOPING THIS IS FIXED, THE AMOUNT IS FOR OVER XXXX I REALLY NEED THAT MONEY BACK NOT ONLY DID IT GET STOLEN OFF MY CARD BUT NOW IM PAYING IT BACK. PLEASE CONTACT ME XXXX AND MY PHONE NUMBER IS XXXX THE GENTLEMAN THAT USED MY CARDS NAME IS XXXX XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ardmore Finance Corporation (MO)

XXXX finance let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX finance continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX finance to dispute the debt only to get cussed at
Consumer complaint received 2024-05-07
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 2024-05-06
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$820.00} Needs Attention XXXX XXXX XXXX, Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1000.00} Needs Attention XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-01-07
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-03-19
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. (OH)

This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX* Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$730.00} , XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX Balance : {$2500.00}, XXXX  XXXX Bankruptcy XXXX XXXX Filed/Reported : XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX XXXX XXXX Balance : {$730.00}, XXXX  XXXX Balance : {$640.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX Balance : {$960.00}, XXXX  XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX Balance : {$780.00}, XXXX XXXX XXXX Balance : {$520.00}, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$730.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX