davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (AL)

Truist Bank pays fees from my Business Checking when the money is not available in the account for said payment and then charges me an overdraft fee because THEY allowed the payment. I've noticed that they're also re-ordering the line of succession as to when things post, such as charges, whereby it leads to my account being overdrafted.
Consumer complaint received 2022-12-25
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I called American express and I informed an employee that there is a billing error of {$3200.00}. They stated that there was no error and they did nothing, and I told them according to law that they will have to investigate this and they never did. I let them know at the back of my statement it states that I have the right dispute a billing error. According to the credit balance of the full amount I keep asking them why is it in a positive balance if I owe them it should be in a negative in front of it. I would love to use my remittance credit. On the back of the statement it let 's me know that the money belongs to me when it's a CREDIT BALANCE. Amex is in violation for writing me and threaten me about putting on negative credit reporting. They stated that they are going to insert late pays. Late pay is illegal. According to the law experiences and transactions are excluded from your consumer report. In addition, I opted out to information sharing. I never gave american express the permission to report to my consumer file anyway. I am looking to continue business with them and extend my open credit plan. Their statement is very misleading and it's a violation to the fdcpa and Tila. So do right by me american express as federally protected consumer that I am l. As I am in a billing error dispute I am not responsible for any payments until you take care of this issue. The whole balance.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (OK)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX, DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX 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 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NJ)

Applied for and was approved for CitiBusiness Platinum Select Card for my company XX/XX/XXXX. Was approved for I believe XXXX XXXXXXXX credit line. I got the card a little while back, went to activate it, and their system says the information doesn't recognize the information/does n't match. I call in to activate and the foreign low wage employee advises he can't send a simple text message and asks multiple times for a new phone number ( I don't have one ; like most people in XXXX, I have one single cell phone number ). Then I'm somehow magically transferred to the " fraud department '' and spoke ever so briefly to " XXXX '' out of XXXX who cops an XXXX while informing me that evidently some sort of fraud alert was placed on the account XXXX XXXX after applying and well before EVEN HAVING THE CARD IN HAND. 
I have no idea what sort of convoluted XXXX Citi is engaging in and I don't care. I want to activate the XXXX card and use it. This isn't difficult and shouldn't require me to have to turn to the CFPB to get this done. This is absurd.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (PA)

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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} This is my follow-up to make sure the validity of the listed accounts is turned positive.
Consumer complaint received 2022-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (OH)

I received XXXX separate Invoices from a Penn Credit Corporation with a request for payment due to XXXX XXXX for {$370.00}. I have never heard of this company before. The dates of service for the fraudulent address were from XX/XX/XXXX. This was for the mailing address of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. I was living in XXXX, OH at this time at my parent 's house. 

I received a second invoice from a debt collector ( XXXX XXXX ) for an invoice with XXXX XXXX for {$1000.00}. The dates of service for the fraudulent address were from XX/XX/XXXX- XX/XX/XXXX. Again, no idea who they are. I was living in XXXX, OH with my parents. 

While I was living with my parents in XXXX, I did not pay utilities, but Im sure I can come up with proof of residence.
Consumer complaint received 2023-01-05
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: WELLS FARGO & COMPANY (MN)

XXXX and Wells Fargo I didnt asked you to go in and Enter included in bankruptcy on Wells Fargo XXXX I have disputed this with XXXX and Wells Fargo and both of you guys fail to do a proper investigation based on XXXX credit report the bankruptcy was filed XX/XX/XXXX here we in the year XXXX and you trying to cover your XXXX and enter the requirements ive included in bankruptcy violating the FCRA both of you have been notified to start legal action. Remove the Wells Fargo account in its entirety and send me an updated credit report I dont care which one of you remove it but it needs to be removed see file of when it was at it! I attached a copy of the credit report into documents showing there is no XXXX XXXX reference anything about it could you please resend me the copy of the report that has been attached and highlight where or of if you see anything regarding a discharge XXXX  XXXX and I do exercise my rights under FCRA 609a ( 2 ) to request you to return the copy of the credit report thats attached to this complaints/ dispute Thank you XXXX
Consumer complaint received 2022-09-30
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)

I have 4 missed payments reporting to my credit from XXXX XXXX ..those where clearly an miscommunication or somethingthe account has been paid off and on time!
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IA)

I got sent a check that ended up being fake and fraud. The bank completely accepted the check, where I then was able to spend it and pay back the consumer of the check XXXX XXXX of the XXXX check on the XXXX XXXX XXXX The bank just now today XXXX XXXX XXXX  ) told me it was fraud and now my account is in XXXX XXXX XXXX  I had XXXX dollars of my own saved up and I am in college in debt, now with XXXX XXXX in my account. I am beyond frustrated and dont know what to do. The bank also gave me a fee since it was fake, even though i didnt know it was fake and they approved it before they disapproved it. I am not sure what to do but the fact that it got approved made me think that it was real. Since I was able to spend it I dont think that it is fair at all that all of the sudden they took back that I couldnt spend it anymore.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

This is the 3rd complaint about funds that were not issued to my checking account. One of my checks was fraudulently cashed. They first washed the check. This is a check from XX/XX/2022. The fraud team from my last complaint said that they never received a copy of the washed check. We sent it 2 times and they finally sent an email saying that they received the copy of the check. Now the branch XXXX emailed me to see if I had a carbon copy of the original check. The checks that I order from TDBank do not come with the carbon copy. They never originally asked for it and now, all of a sudden they are asking for it. They are making this a very difficult process tor a check in the amount of {$1100.00}. Please help to expedite this process XXXX XXXX
Consumer complaint received 2020-03-03
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: WELLS FARGO & COMPANY (NV)

Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.
Consumer complaint received 2023-01-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX XXXXXXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken (CA)

On XX/XX/17 I started a customer support ticket with XXXX XXXX XXXX about a transaction of XXXX XXXX that never arrived to my account do to a missing destination tag. I was emailed back and told if I provided them some information about my wallet that the XXXX was sent from and some other things I had to search for myself they would be able to get my money back to me within a couple of weeks. I provided them all of the information they 've asked for but it has been over 2 months and I still have n't heard anything back from them and from what I 've seen on online forums about issues like this I am not the only one. I 've since emailed them multiple times about the same issue and it seems each time they marked the issue as resolved which it had not been.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Pursuant to, the United State Code ; 15 U.S.Code1681 ( 2 ) ( A ) ( i ) -Definitions rules of construction, the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account " XXXX XXXX '' transactional history falls under this law. I request the account is updated to " PAID AS AGREED '' and request a copy of my consumer report that shows the account reflecting " PAID AS AGREED ''.
Consumer complaint received 2020-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (CA)

You are in violation of many federal laws because you are trying to collect on a debt that was previously discharged through my Chapter XXXX Bankruptcy filing that was done on XX/XX/XXXX, and the fully discharged on XX/XX/XXXX by the Federal Bankruptcy Court located in XXXX, Ca. Judge XXXX XXXX was the presiding Judge that Ordered the discharge and XXXX XXXX was the assigned Trustee for my Bankruptcy case. 

The debt that you are trying to collect on is for : XXXX Credit card with the account number ( partial )  of:XXXX Also, the fact that you have lied and placed an opening date for this credit card on my credit report for : XX/XX/XXXX is another violation of Federal Law.  Also, the fact that you have purchased a discharged Bankruptcy debt knowingly, and are now trying to collect on it after the fact is yet another major Federal Violation. If I have to have my Bankruptcy case reopened in Federal Court just so I can sue and make an example out of you for this extremely illegal debt collection practice, Believe me I will. 

You have also inserted this illegal debt collection into all of my credit reports with all three Credit bureaus without even trying to contact me or send me any notice to have this debt verified within the first 30 days is also yet another major violation of Federal Laws. This item needs to be immediately deleted from my credit report or I will file suit against you without any hesitation otherwise and bring against you whatever fines are legally allowed for your many law violations.
Consumer complaint received 2022-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (FL)

Huntington Bank merged with Chemical Bank who had purchased the HELOC that I had with TCF Bank. On XX/XX/XXXX we received a Pay-off letter in the amount of {$190000.00} with an additional calculation of {$26.00} to be paid for each day after XX/XX/XXXX that was required for the title company to issue payment. 

My title company paid {$190000.00} which represents and additional 17 days interest to pay the account through XXXX XXXX. Huntington Bank claims to have received the funds on the XXXX XXXX XXXX but is stating that the funds were insufficient to pay-off the account and now continues to bill me in the amount of XXXX XXXX  monthly. 

The cap on this HLOC was in the amount of {$190000.00}. I asked for a forebearance/deferment on the required interest payments in XX/XX/XXXX due to Covid 19 and did not pay XXXX - XXXX payments. resulting in a deferred amount of {$2500.00}. I made up these missed payments in the subsequent months and my HLOC once again became available for my use in XXXX XXXX XXXXXXXX. 

Specifically, I have repeatedly requested Huntington Bank to provide an accounting as to how a {$190000.00} max HLOC required a payoff in the amount of {$190000.00} and how {$190000.00} was not sufficient to pay this loan in full. The response I continually receive - over the course of the past 3 months of attempting to resolve this dispute is for Huntington to continue to provide me with and explanation that contains incorrect math. I am being told that the {$190000.00} created a shortfall to the {$190000.00} demanded in the payoff. I have been told that there is an additional calculated interest for the month of XXXX- even though it is already calculated within the pay-off demand and that the deferred interest has not been paid such that they now deem me responsible to pay an additional {$720.00} to pay-off and close this account. Never have they provided me with the day-to-day ledger for the life of the loan as I have requested. This loan began in XX/XX/XXXX and was scheduled to be closed in XX/XX/XXXX. There should be NO difficulty in issuing the 4 years - 48 months of statements and records that should prove that the loan has in fact been paid in full and that there is an overage due to be reimbursed. 3 months of letters, phone calls and emails and yet no one has actually taken the time to properly audit this loan and get a solution.
Consumer complaint received 2022-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc. (TN)

Paramount Capital Group sent me an email on XXXX, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( Paramount Capital Group XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Consumer complaint received 2023-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-12-25
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. (FL)

XXXX XXXX credit card is on my credit card, I have contact all three credit bureaus about this, it has been over 30days, I have not received a response..this account do not belongs to me, I did not open this account..I don't sign any agreement to have this account open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX