davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

There are inaccurate charged off accounts on my credit reports that I have been disputing for some time. Each bureau is reporting completely different information concerning the accounts with XXXX and XXXX XXXX. 

XXXX is reporting different last active dates and open date. 

XXXX XXXX is reporting different account numbers, last active dates and open dates. 

If all bureaus get their information from the same place, how is it that they are all verifying different account information? They are in clear violation the law and my rights as a consumer and I am requesting that these accounts be deleted from my credit report and all documents concerning this debt be sent over to my mailing address.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MI)

Back on XX/XX/XXXX, I redeemed my GM rewards points of XXXX, which will be XXXX towards my GM lease payment. I was told their GM rewards department it will take up to XXXX business days to be applied. Also, I recv a confirmation email showing proof of this redemption. So, after 7 days, I called Gm Rewards dept on XX/XX/XXXX to see why the amt of XXXX has not been applied to my GM lease? Instead of explaining what's going on, I was cold transferred to the GM leasing dept/division. At that time, on XX/XX/XXXX, gm leasing dept said they don't see it and to call the rewards dept back, I did, only for them to make more sense. The rewards department can at least prove they attempted to redeem my points by sending me the email with an authorization #, but GM financial kept passing the buck. So, about XXXX weeks later, XX/XX/XXXX, I call gm financial and demand something is done, its not adding up or good business. So, GM Finance finally submitted an IT ticket to see what happened. I waited another week, so on XX/XX/XXXX, I call gm financial @ XXXX and spoke to customer service. I was told after XXXX being told to call rewards. Not until I insisted the rep check my notes in my acct, did she then say the wrong ticket was submitted, so she submitted another ticket to find out or trace the transaction. Still no answers or credit. Now, on XX/XX/XXXX, I was told to submit an email with proof of redemption. Now, on XX/XX/XXXX, told still working on it, no time given. So, today XX/XX/XXXX, I chatted on line with gm financial and was told they stopped the redemption to lease pmt process, but they are still looking. I asked can they just give the points back. Gm Financial said " when they track it down ''. Not Fair or Acceptable. Please help me either find a way to get these two dept honor their program.
Consumer complaint received 2023-02-16
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. (PA)

For the past year I have been disputing incorrect items on my report. I was told an investigation was being conducted but items weren't deleted off my report while the investigation took place and I never received correspondence of who they spoke to or any information I requested. I sent all letters certified mail and got confirmation they were received. They keep " updating '' the account but it is still reporting incorrect information and they won't correct and delete these items. These negative incorrect items has prevented me from obtaining credit to purchase a home and obtain credit. I never get any documentation of requested information, just a copy of my credit report. The collection accounts have be proven to be reporting fraudulent or incorrect, they were delted but the collection company sold it to another company, and it should back up on my credit report and no one is really investigating my disputes. Just updating what is already on there, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion, and XXXX, XXXX-told me on several occasions that they investigated this matter but it still listed on my credit report as XXXX . I had gap insurance on this vehicle I no longer owe them, which the company has cashed out on. 
XXXX-Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2018 a bankruptcy was shared on to TransUnion XXXX and 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 may not furnish a account without my written instructions.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TN)

On XX/XX/23 I requested Navy Federal reverse the {$250.00} charge after finding out that the plastic water heater valve needed to be replaced with the new metal XXXX per manufacturer that XXXX XXXX installed. XXXX XXXX never informed my mother of this which they should be liable for due to the significant damage this caused. I sent Navy FCU requested documentation and video damage via app and online. Navy FCU kept sending several emails to send it in which told them I had and it could be seen on website which now they have removed. They don't leave claims in the system. They send out these generic emails advising claims are denied with no explanation as to why. Everything attached here is what was sent Navy FCU.
Consumer complaint received 2023-01-14
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: Navient Solutions, LLC. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written permission and instructions.
Consumer complaint received 2023-02-16
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. (MD)

XXXX reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I checked my Citizens Bank checking account via both app and website on XX/XX/2021. The current balance at the top of the app/screen showed {$670.00} but the total of running transactions within the transaction part of the app and website state it should be {$810.00}. Looking at the transactions from the past day, the account was overdrawn multiple times due to the bank 's posting order of highest to lowest. While overdraft fees are allowed when disclosed, they should show up on the app/site clearly and immediately when done by the banking institution. When reviewing their posting order guide, overdraft fees should post second after deposits. However, the fees are not present on my account at all, and are definitely not present between deposits and other types of transactions. There is no way of seeing these fees, money has simply been taken out of the account. This is predatory and confusing, especially if it were to happen to someone who didn't think to check why their money was lower than expected.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Regarding XXXX  XXXX account ending in XXXX, it is associated with my company. However, upon reviewing, the accont, it has come to my attention that fraudulent charges were made to the account before multiple payments. These charges were initiated by a third party. In light of these circumstances, I kindly request that the account be either deleted or the balance be set off. Thank you for your attention to this matter.
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. (MA)

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

According to 15usc1681e ( b ) it states accuracy of report wherever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maxium possible accuracy about the individual. 15 usc1681 s-2 states reporting info with actual knowledge of errors a person shallnot furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that info is inaccurate. Also my information was breached at XXXX.
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (HI)

On XX/XX/XXXX my Chime checking account was unexpectedly closed after receiving an ACH direct deposit for $ XXXX for my husband and my XXXX joint amended tax return after waiting over 10 months for the IRS to audit and processor our return. I immediately contacted Chime to find out why a hold was put on account. They informed me I needed to send several documents to verify my identity. After sending all documents requested, including the 2 letters from the IRS one in my name and one in my husbands name, stating the amount we were to receive for our amended return. XX/XX/XXXX I received an email from Chime informing me they have decided to close my account, no reason why was given. After reading Chime 's terms/conditions when an account is closed they have 14 business days to send remaining funds to address on file. It is now XX/XX/XXXX I still have not received my check for the remaining $ XXXX that was in my accout. I've called every day spending countless hours trying to find out where my check is. Only to be hung up on repeatedly, transfered over and over, put on hold for 10-15min over and over, as well as having to give my personal info and explanation of my issue to each agent I was transfered too. On XX/XX/XXXX, I was told by a Supervisor at Chime that they were very sorry for what was happening and she didn't know why my account was closed after providing all documentation requested or why access to my funds was taken away after 2 days of being able to access. She would personally garantee that my closure check would be expedited and sent on XXXX XXXX. It is XX/XX/XXXX I still haven't received my check and noone can give me answers. My husband our 3 kids and I have been put into a major financial hardship over this, we have been with out power for over a month, we have fallen behind on our bills and for what reasoning did they have to close my account after giving me access to our money for 2 days then ripping it away. We want our remaing balance asap!
Consumer complaint received 2024-01-23
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. (NE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: FISERV INC. (FL)

I have tried 6 attempts over the last three months to get a replacement card, gone through the process, and was told I would have a replacement card in 10 days. I tried again today and still have been unable to talk to a human about my problem, it has all computer generated and I have been unable to talk to a representative of this company. I've had to lock my card and have been unable to use it because I need a replacement card.
Consumer complaint received 2023-02-02
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. (MD)

I sent a letter on XX/XX/XXXX to remove these items XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX, XXXX & I am including it again.,
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. 
Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe Wells Fargo $ XXXXHow is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. 
XXXX XXXX  sent me the same notice from the same collections agency XXXX XXXX.
Consumer complaint received 2023-01-13
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. (CA)

Notice to Experian to cease and desist from reporting XXXX on my consumer report because it was done without my consent. This is a violation of my privacy and identity theft. 

In 15 U.S. Code 6801 - Protection of nonpublic personal information, according to the US XXXX : It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

As provided under 15 U.S. Code 6802 every consumer has the right to privacy. And they should be given the option to opt out of disclosures. I have notified XXXX to cease and desist from furnishing nonpublic personal information to all XXXX Failure to delete this item is a violation of my consumer rights laws. This is a secondary notice to Experian to delete this item immediately from my consumer report. Failure to do this is a violation of my consumer right.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX  Account Number XXXX Balance {$120.00} Past due {$97.00} In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX Reported Balance of {$440.00} I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the Fair Reporting Act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-01-26
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. (DE)

Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I appreciate it that a lot of fraudulent items were removed. However checking my updated credit reports that I purchased through XXXX, I found that there were new unknown items that appeared in my credit reports, I saw that there were still a couple few items that I previously disputed that still needed to be removed in my credit reports. To hasten the process of removing these items, I listed them per bureau for you : XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX