davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
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)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$740.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$730.00} XXXX  XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MS)

XX/XX/XXXX- Made a complaint with CFPB in regards to having complication getting loan cleared. 

XX/XX/XXXX-Received feedback from Ally through CFPB informing me that our account reflected " Paid in Full ''. 

XX/XX/XXXX- Checked Ally app, it reflected that all balances were XXXX and that we owe nothing. We were waiting on an official pay off letter for our records, this payoff letter was requested at the initial complaint and at the time CFPB requested our feedback from the complaint. 

XX/XX/XXXX- Received a notification from Ally that {$70.00} is owed. I have tried to call XXXX the Executive Customer Relations of Ally Bank and have not received a returned call. Based on my experience with Ally it is very complicated to get Ally staff to return phone calls. 

**This account apparently is still open and possibly reflecting on our credit reports. How is it that Ally informed us from the complain that the account has been paid in full but now are asking for more money? We still do not have an official pay off letter on letter head from Ally showing that our account is paid off and that this account is closed.
Consumer complaint received 2023-02-06
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. (NM)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}.
Consumer complaint received 2023-02-06
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. (NM)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}.
Consumer complaint received 2021-01-15
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. (CA)

XXXX XXXX XXXX  XXXX Balance Owed : {$12000.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect balance, you are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX XXXX XXXX Balance Owed : {$240.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$170.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.
Consumer complaint received 2023-02-17
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: SYNCHRONY FINANCIAL (CA)

I have/ had a Gap credit with Synchrony Bank I paid off the balance on XXXX. 
See attached cashed check. 
Synchrony Bank at the end of XX/XX/ XXXX transferred all their Gap  credit accounts to XXXX. 
My payment was never posted to either account. 
Synchrony says it not their account anymore and to deal with it thru XXXX. 
I have made multiple calls to both Synchrony and XXXX. 
I have sent copies of the canceled check to XXXX twice along with account info. 
Neither company will fix this problem. 
I have XXXX that went to pay off this account and never got posted. 
If you look at the front of the check the account # is hand written twice. 
My handwriting with my name next to it and above that someone elses writing and the last 4 digits of the account # are wrong. 
At this point my XXXX has never been posted to my account. 
XXXX has my account 3 months past due and are charging me 28 % interest. 
I wont pay it because they actually owe me money. 
It had lowered my credit score ( which was XXXX ) I do I fix this??? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

The Department of Education/Nelnet is reporting that I was 90 days late in XX/XX/2020. All other history shows on time. This is logically impossible that I could be current in XX/XX/2020 and then all of a sudden be 90 days late.
Consumer complaint received 2021-01-15
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: Atlanticus Services Corporation (FL)

Starting From XX/XX/2020, this company named XXXX has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is XXXX. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to XXXX. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is XXXX. At this point, I am being harassed.
Consumer complaint received 2021-01-15
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. (TX)

I have Citi mastercard ending in XXXX. There was one purchase of XXXX online exam for my son. They were suppose to send us book, practice tests and let him appear in the real exams. 
I enrolled my kid XXXX XXXX as XXXX ( Non School competitor ) as that's what I was told by XXXX and his school ( as his school is not participating ). 
Only after their response and confirmation - I paid {$60.00} for that. 
Later XXXX XXXX XXXX XXXX XXXX stated that my son can not participate as school is cancelling his registration. 
I immediately looped in his School - XXXX XXXX XXXX XXXX 
The School denied that they are objecting to anything and they encourage the kids to participate. 
But even after that XXXX XXXX cancelled my son 's registration. Due to which my son can not participate in the contest. 
I paid {$60.00} for the contest and if his registration is cancelled by XXXX on the wrong reasons - they should refund back the money - {$60.00} but they are not willing to do so. 
Complained the matter to the Virginia attorney General 's office also. The Virginia attorney General 's office acknowledged it - they are awaiting the merchant 's response. 

Dispute # XXXX Even when XXXX agreed that i can get the refund - Citi is not doing anything regarding this dispute. Citi can't even forward the right documents to us ( response from XXXX ). Attorney General of Virginia also intervened and then finally XXXX agreed for the refund as my son didn't got any preparation material and very less time for the final exam.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Looking through my credit reports, I did not find a Bank of America card account there. Account number XXXX, opening date XX/XX/2019. Please add my account and current information.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX around XXXX, I made an online payment on the Bank of America website for my credit card bill of {$7700.00}. On XX/XX/XXXX I went to the BOA website to check if the payment had been processed, as it was due that day. As of XXXX XXXX  there were no pending payments, so I checked my bank and the amount had not been withdrawn. 

I called BOA and spoke to a representative who confirmed that there were no payments pending. I asked her to double check because last year, I had a similar problem where there was no posting on the website so I made the payment twice thinking the first transaction did not go through. After waiting for a few minutes while she consulted another department, she said there weren't any payments pending. Therefore I gave authorization over the phone to withdraw the amount to avoid penalty. I thought the matter would be finished. 

Yesterday when I checked my bank account, I found that two withdrawals from BOA for {$7700.00} were made on XX/XX/20. Immediately I called BOA and informed them of the mistake and asked to return the money that day. They agreed to refund the {$7700.00} but they told me it normally takes 2-5 business days, however up to 10 days. 

This money should be refunded to me IMMEDIATELY. To wait this amount of time for a " refund '' is unacceptable. Because of such a large amount of money was taken out of my account, it was in deficit. This is causing me financial and emotional distress. I need that money to be returned now so I can pay the rest of my bills for this month. 

There is a serious problem with BOA online bill pay and a lack of accountability for this mistake. As I mentioned this is the second time that this has happened. I had specifically asked the representative to double check that no transactions were pending. I spoke with 2 managers and neither could offer any assistance.
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NY)

I have filled multiple ftc identity theft reports and I also told this company that the debt does not belong to me. I even sent the company the ftc identity theft report. this account is still reporting on my credit report, without sending me any validation of this debt. I'm asking for this company to remove this from my credit report as it it preventing fee from getting a house
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MN)

Our mortgage is through PHH Mortgage Corporation. We made several attempts to apply for what the company calls " Mortgage assistance ''. The requested information was sent to the company each attempt. We then waited for a response. Several weeks passed and there was zero attempt to contact us. Later we received a letter stating that PHH did not receive all needed information and the request was denied. Due to the companies poor communication, we never received a letter or telephone call to inform us that more information was necessary. This issue occurred upon both attempts to apply.
Consumer complaint received 2020-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Braviant Holdings, LLC (GA)

To whom this may Concern, I am writing in to file a formal complaint against XXXX XXXX XXXX. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.
Consumer complaint received 2023-02-06
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. (LA)

Experian along with XXXX and XXXX all have improperly reported a late payment on an open ended credit plan without formally providing me written notice of the options I as the consumer can exercise to opt out of this information being reported. Per the following law, I was never afforded the opportunity to opt out of the reporting as I would like.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also, the reporting of the late payment is also in direct violation of 15 U.S. Code 1666b - Timing of payments which states : ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2021-01-15
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. (GA)

XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Consumer complaint received 2021-01-15
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. (GA)

XXXX, Transunion and XXXX are reporting 3 charge offs on my credit report from XXXX XXXX. However, the account was paid in full to XXXX XXXX.
Consumer complaint received 2023-01-17
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. (TX)

This is my 3rd 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
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. (TN)

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.

has violated my rights. Or a list of inquiries : 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 2021-01-15
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. (VA)

I have disputed these accounts so many times with but they always complete this account as Included in Bankruptcy which im already aware of. Everytime they update these account into " Included with Bankruptcy " my score goes down. My score has been going down solely because of this. I disputed these for inaccuracies in it but they hasn't provided me any documentation or verification supporting their decision findings. ONCE AGAIN, I AM DISPUTIMG THESE ACCOUMTS FOR MULTIPLE INACCURACIES. IF YOU CANT PROVIDE ME ANY TYPE OF VALIDATION, VERIFICATION OR EXPLAINING THE INACCURACIES ON THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY FILE IMMEDIATELY. 
Attached see attached files.