davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (MS)

In XX/XX/2020, I noticed that there were several withdrawals from my banking account that were for XXXX XXXX. The total amount of the charges was just under {$700.00}. In fact, I looked because I had been alerted by Regions Bank that there was unusual activity on my card, causing me to check into this. The charges that totaled {$700.00} were well within 60 days of me calling the bank and reporting these fraudulent charges. 

As I continued to look through my account, I saw where there were fraudulent charges to XXXX XXXX starting in XX/XX/2020. I did not anticipate being reimbursed for the charges outside of 60 days of my reporting, but I reported them nonetheless. 

I was reimbursed by Regions for the charges that had taken place 8 and 9 months previously, but Regions refused to reimburse me for charges that had taken place within 60 days. 

The ones I was reimbursed for were months ago, were for the exact same thing that was being charged to my card for all the other fraudulent charges, and it was Regions who alerted me to fraudulent activity. Yet, Regions Bank refused to reimburse me. I have banked with Regions Bank for 26 years. I have a mortgage with Regions. 

I requested this be looked into. I emailed and received vague responses. I called and was put on hold and ultimately disconnected. I called my local branch in XXXX, Mississippi and after a month and multiple phone calls that went unanswered was once again given vague responses. I was put on hold to speak with a manager and was disconnected. When the woman called me back, she put me on hold again where I sat and no one got on the phone. 

I will be closing my account with Regions. I will pay off my mortgage and never do business there again. I will tell my mother and all other family members to never bank with Regions.
Consumer complaint received 2023-03-07
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. (LA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number XXXX XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KS)

The account being reported by LMNV Funding, LLC is not valid. The XXXX XX/XX/XXXX credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XX/XX/XXXX who both billed for the insurance and offered it from the beginning. XXXX XX/XX/XXXXreceived notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XX/XX/XXXXis in breach and LMNV Funding, LLC is attempting to collect a invalid debt.
Consumer complaint received 2024-03-20
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. (MI)

I am writing to formally dispute an inquiry that appears on my credit report, which I believe is unauthorized. I have no recollection of authorizing this inquiry or engaging in any business or financial transactions with those listed creditors. Those inquiry is inaccurate and is negatively impacting my credit score.
Consumer complaint received 2023-08-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (KS)

Hello, We've attempted to dispute this debt on multiple occasions without achieving a resolution. 

We acquired a car from XXXX XXXX in XX/XX/2018. Before signing our contract, the dealer informed us that if we chose to terminate the lease early, the vehicle return fee would amount to {$790.00}. They assured us that we could voluntarily return the vehicle to the dealer, preventing it from being reported on our credit, and this action would settle the entire account, bringing the balance to {$0.00}.

This information is outlined in the attached contract, along with supporting transaction evidence. Despite our efforts to share this with the collection agency, they insist on requiring a letter from the dealership. We've responded to them multiple times, emphasizing that they should possess validation of the debt from the original creditor on their end, given that they are the ones reporting it.

At this juncture, we find ourselves uncertain about the next steps and believe involving an external party to investigate this matter would be more suitable.

Thank you.
Consumer complaint received 2021-01-08
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 (PA)

I am being blocked from making a payment online, because one time years ago I accidentally made a payment from an old closed checking account. After I saw the payment was returned, I paid the amount due plus fees. I emailed on XX/XX/XXXX to a XXXX XXXX. I also called on XX/XX/XXXX. I should not be forced to call to make a payment.
Consumer complaint received 2021-10-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Applied Data Finance, LLC (IL)

Due to the COVID-19 pandemic, I had been removed from a full-time to XXXX ( as needed status ) at the organization where I am employed. Moreover, the state of Illinois had a mandatory stay at home order for Illinois residents at this time. I have reached out to XXXX, regarding the change in status and how my income was being adversely impacted on XX/XX/2021. I received a response on XX/XX/2021 regarding an assistance program offer. According to XXXX this agreement would defer three of my payments and bring all information and payments current. I agreed to the offer on XX/XX/2021 which should shows my account in good standing. Although this hardship provision is in place, XXXX has reported my account delinquent and missing a payment to the credit bureau.
Consumer complaint received 2023-02-15
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. (IL)

XXXX XXXX XXXX XXXX {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove Late payment! ( Account info down below ) TransUnion Report! 
Account # / XXXX Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX/ {$5000.00} Payment status / 30 days late By law info must be reported 100 % accurate across all 3 Bureaus. All Information should be 100 % accurate across ALL 3 BUREAUS or is legally supposed to be removed. I demand late payment status on TransUnion to be removed and reported as paid on time. Account has inaccuracies, across ALL 3 BUREAUS. Including Transunion has the late payment, and XXXX and XXXX shows Paid On Time. Which is inaccurate, Status should say Paid On Time across all 3 bureaus. And TransUnion it doesnt, so please update TransUnion status to Paid On Time and remove late payment status. I demand the late payment to be removed immediately, and Update XXXX To Paid On XXXX. Thanks Ive attached documents Filing a complaint with XXXX XXXX XXXXXXXX XXXX XXXX ) as well.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (FL)

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

XXXX XXXX XXXX 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 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 XXXXXXXX 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 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had two accounts fraudulently opened with BoA in my name. When I contacted them to inform them I did not open the accounts and had nothing to do with any transactions, they had me send them a bunch of documents to confirm the fraud. I sent the documentation on XX/XX/23 and have received no updates since then. I want these accounts closed.
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (PA)

Over the last 2 years I have been dealing with the harassment of XXXX. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. XXXX has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX, XXXX ( creditor ) dba XXXX XXXX and her private information. XXXX qualifies as a volunteer, stranger, or intermeddler. XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal. App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). XXXX purchased the account referenced above from US DEPARTMENT OF EDUCATION N.A or another third-party junk debt buyer. Therefore, they are, according to Chief Justice XXXX XXXX of the US Supreme Court, in direct violation of the COURT of COMMON PLEAS OF PHILADELPHIA COUNTY PENNSYLVANIA, COURT OF APPEALS FOR THE SEVENTH CIRCUIT ; HEINTZ v. JENKINS 514 U.S. 291, 2, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondents property for which restitution will be sought. At this time, they have set forth two ( 2 ) predicators of the three ( 3 ) needed to begin a Racketeering lawsuit against them and the other firms listed in the paragraph. Also SELLER : US DEPARTMENT OF EDUCATION N.A. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. I have no contractual obligation with XXXX. Therefore, any action taken by XXXX is considered aiding and abetting fraudulent activity. I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between XXXX, and the above-mentioned creditor. Also! XXXX is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices.
Consumer complaint received 2023-03-07
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 XXXX  Accounts # XXXX XXXX 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 instructions.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

I was purchasing merchandise from a private seller named XXXX XXXX he informed me that he had Wells Fargo banking and to transfer the money through XXXX which is by Wells Fargo customer. I sent XXXX XXXX {$400.00} thats went through and I never received my merchandise. I have not been able to get ahold of Mr. XXXX at all. XXXX also stated that he has a Wells Fargo account. I contacted Wells Fargo to disput my issue of being scammed and asked for a refund and they told me they can not. XXXX XXXX scammed me for {$400.00} and Im requesting a refund.
Consumer complaint received 2023-03-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX, 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 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 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
Consumer complaint received 2023-07-14
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. (RI)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXTRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXTRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX. - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX RESIDENT VERIFY XX/XX/XXXX - XXXX RESIDENT VERIFY XXXX XXXX - XXXX  XXXX  XX/XX/XXXX I reached out to have these inquiries investigated and nothing has been done about it
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had a mortgage with Citizens Bank with and interest rate of 4.12500 %. I applied to refinance this mortgage to lower my interest rate in XX/XX/XXXX. I provided everything that was requested by XXXX XXXX throught the branch in XXXX XXXX. in late XXXX and XX/XX/XXXX. Every time I called to check on my application, I was told that due to Covid-19, everything was backed up and it would take a little longer. They pulled my credit numerous times lowering my score by 3 points every time. I checked with the manager at the XXXX XXXX branch, I was told that it should not take this long and they would get to the bottom of it. Never heard from them again. I also spoke with XXXX XXXX in the XXXX branch, he too said he would get to the bottom of it and never heard from him again. Them I spoke with XXXX XXXX in XXXX XXXX, she said she would get back to me within 24hrs. Never heard from her again. It seemed that once they contacted XXXX XXXX, the communication was stopped. Finally I recieved a Credit Denial letter on XX/XX/XXXX, almost 1 year later, stating they could not verify my income. This is a lie. There is no reason why they were unable to verify my income with copies of my tax returns and rental agreements. Either they wanted me to keep paying the higher interest rate or I'm being discriminated against for other unknown reasons. Is it because I am XXXX yrs old, white female XXXX XXXX?
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Disputed collection. Had it removed to come back with a date that I wasn't in any hospital. Didn't go to any hospital the year of 2020 but the dates says otherwise ... .fraudulent collection
Consumer complaint received 2021-01-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had a mortgage with XXXX XXXX XXXX. I used the Covid Cars Act to defer payments on the mortgage for three months beginning, XXXX of 2020. I sold my home for a profit in XXXX of 2020. XXXX was able to recover the back mortgage payments from the home sale. Even so, my credit score which was in the mid XXXX ( excellent ) just before I took the deferral and subsequently sold my home, tanked down to the XXXX ( fair ). It is still there even though I have a 100 % payment history on my reports and minimal credit card debt. I have government backed student loans which were there prior to the deferral. I have reached out to the credit bureaus and to XXXX who have given me the runaround each time. I need this fixed immediately.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I reviewed a copy of my credit report XXXX ran an unauthorized credit inquiry on me on XX/XX/2024. I never authorized such action please removal these immediately please. I am requesting an updated copy of my credit report, which should be sent to the address listed above. If you have any questions or need additional information, please contact me at ( XXXX ) XXXX.