davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
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)

Transunion has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. The accounts are as follows : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ALLIANT CREDIT UNION (CA)

Website shows Alliants COVID-19 Emergency Programs Throughout our 85-year history, Alliant has been committed to serving and supporting our members in good times and in bad. Today, were ready to help Alliant members impacted by the COVID-19 pandemic with emergency loan and emergency loan-modification programs. 

With my bad credit i was denied a loan. My credit went down last year due to my health issues. Ive been trying to maintain my credit however, being sick and XXXX took awhile to get had me go into collections on some stuff. Which ended up having me not able to get any loans from any lenders. 

How am i able to get out of this credit debt or pay them when I can not get a loan to help me?
Consumer complaint received 2020-03-15
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. (NY)

The credit report is showing in error that the XXXX Credit Card payment was 30 days late and is past due {$150.00}. This is not true. It states a payment was made XX/XX/XXXX. This is not the correct date. Also, the account is not past due. There is also an incorrect balance being reported.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

I have sent multiple affidavits to let this company know, I don't owe them anything and that we have no contract together. 


Per the FCRA as a Federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given written unwritten, verbal and non-verbal. XXXX XXXX. Effective immediately and indefinitely.
Consumer complaint received 2021-03-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MD)

A statement of validation does not validate debt. No documentation has ever been sent, and the lack of documentation to support any validation being sent is against FCRA. NCA has provided different dates first providing validation was sent in XX/XX/2020 and the providing XX/XX/2020, both fraudulent and conflicting. 

A copy of all the conflicting signed letters from NCA will be sent to FTC and civil litigation for damages will be sought, if all collection efforts are not stop and CRA reporting ceased.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I called Bank of America to file a claim on 6 fraudulent transactions totaling {$2600.00} on my checking account. Transaction attempts were at XXXX XXXX and XXXX XXXX in California, Texas, and Tennessee all made on the same day, XX/XX/XXXX. Value of transactions were as follows : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Spoke to a representative that evening and they mentioned that those transactions were very obvious fraud attempts on my checking account. They assured me that a fraud claim would be made/approved and immediately cancelled the debit card that had been compromised. A new debit card was issued shortly after. 
On XX/XX/2020, I received an email from Bank of America stating that the claim had been resolved and records showed that the transaction activity in question was authorized and posted correctly in my account. This was not correct as I did not make those 6 transactions. I called Bank of America and was told that they are unable to do anything since I approved the 6 attempts with a PIN number. After being disconnected, I called back and spoke to a new representative. I then asked the new representative to list out every transaction they had on the claim that had been filed. They listed off a total of 14 transactions and mentioned that they could not do anything because I approved those with a PIN number. It turns out that they had added 8 legitimate transactions to my claim about the 6 fraudulent attempts which is presumably why the claim was being denied. 
Bank of America did not file the claim correctly and I want to ensure this is documented in case my new claim is denied.
Consumer complaint received 2021-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I have applied for PSLF. My loans ( 1 & 2 ) were transferred to FedLoan Servicing in XXXX of 2021. 

I am concerned with how the Payment Counts differ, 17 & 55. These are consolidated loans, and payments were made on-time and were in an income-based repayment plan.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have ask Trans Union to verify that my signature ( wet ) was on any of these 7 inquires that's showing on my credit report I have a fraud alert set up on my account that is suppose to notify me of any credit activity. I never applied to any of these companies. Trans Union isn't following the Data Furnishing Standardize Policy by verifying all data before applying it to a Consumers report.
Consumer complaint received 2020-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Nissan Motor Finance continues to report " late '' payments and a balance after the debt was discharged through my husband 's bankruptcy which was discharged XX/XX/18. XXXX. 

This information has been repeatedly disputed via the credit reporting agencies to no avail. 

This reporting is illegal.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NY)

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, Equifax, and XXXX. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since XXXX of 2021, my credit score has been going down, slowly, but consistently. I have not been late on one payment, absolutely nothing has changed that might incur such a change in my credit score. I have been in touch with all of the three credit bureaus, and none of them have any information, nor do they understand why this is happening. I am never late with any payment, nothing has changed in a way which that I pay all of my bills in full before being charged any such fee. 
The only change on my end, was putting a freeze on my three credit reporting services, such as XXXX, XXXX, and Transunion. I have no unbderstanding as to why my score had gone from XXXX, to XXXX, in 7 months, no new credit checks, or applications for credit, no late fees.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Comerica (MI)

This relates to a previous complaint : XXXX. I have waited over 6 weeks and the funds have not been received by my new HSA provider. I have waited long enough. To make matters worst the HSA provider has started to fee the account again.
Consumer complaint received 2020-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovate Managed Holdings, LLC (AL)

I am writing because I wrote a while back that this company was trying to charge me an additional XXXX on a loan that was supposed to be over in XX/XX/XXXX of this year. I over paid in XX/XX/XXXX by XXXX so that I would have a break from payments. I recieved a bill saying I owed for XX/XX/XXXX. I should not owe again until XX/XX/XXXX because I made a over payment. I paid XXXX in XX/XX/XXXX. Now in the new bill this company is saying I owe an additional XXXX +XXXX. They claimed that I agreed to 28 % interest plus the finance charge of over XXXX. Even if that was the case there is no way that from XX/XX/XXXX to now I accrued XXXX in interest. There is no way interest jumped up that high. My original loan terms was that it would be over in XX/XX/2020. Instead of the XXXX for the car that I was told I was to pay ... now I would have paid over XXXX dollars for a XXXX car. The dealer that sold me the car said the paperwork was damaged in a flood.this company really needs to be investigated for their fraudulent billing practices. At this rate I will never get through paying off the loan because the interest is jumping up by the hundreds.
Consumer complaint received 2024-01-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (CA)

My account was charged {$14.00} on XX/XX/XXXX. 

However my account was canceled from my communication with the text customer service chat during XXXX of XXXX. They do not have a customer service phone number. 

In addition to the {$14.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$12.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX {$14.00} - XX/XX/XXXX {$17.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX Prior to these charges, an advance on XX/XX/XXXX was paid to ( Albert ) on XX/XX/XXXX. 

I have requested an immediate re-cancellation of my Albert account, and the ceasing of charging my bank account. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid. 

- Albert customer service emailed me back, ignoring my request for itemized ledger to justify their charges. Then they proceeded to tell me that I could not cancel my account until I withdrawal money they took out of my account without my authorization, for their savings program. I did not authorize any of these transactions since XX/XX/XXXX. I would like to have my money refunded but these requests have been ignored as well.
Consumer complaint received 2020-03-15
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)

Thank you for your time in reading this complaint. 

I have maintained a XXXX XXXX account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

XXXX maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called XXXX on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and XXXX sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, XXXX never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that XXXX shows that I have a missed payment. This would never have happened had XXXX not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had XXXX actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that XXXX have this late payment removed from my credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NV)

I am writing to file a formal complaint against JP Morgan Chase Bank Auto regarding their unauthorized sharing of my nonpublic personal information with non-affiliate third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15USC 6802 of Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On ( XXXX ), I notified JP Morgan Chase Bank Auto, that I am opting out of any and all authorization, whether written, unwritten, verbal, non-verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agency, for any purpose other than those necessary to provide me with financial products and services. 
I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documents of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that JP Morgan Chase Bank Auto has continued to furnish my nonpublic personal information to non affiliate third parties and consumer reporting agencies without my consent. 
The unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that JP Morgan Chase Bank Auto, complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by JP Morgan Chase Bank Auto. 
Please feel free to contact me at XXXX or XXXX if you require any additional information to proceed with this investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights. 
Thank you for your time and cooperation
Consumer complaint received 2021-04-20
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: LINCOLN MORTGAGE COMPANY (TX)

During my stay at two communities, one in XXXX XXXX and one at XXXX, XXXX, I was incorrectly charged for services. I was charged when I was " evicted '' however, mail was received there, and never given ; due to XXXX agendas. 

When I left XXXX at XXXX XXXX XXXX it was due to XXXX related injuries. While away another student, XXXX XXXX occupied that unit. Both of us are XXXX males and look similar. When I left the community I told the Dean and a student whose family owned the property why I left. The Dean ignored my request, due to XXXX and the student said her family would take care of it. 

After I left, I was billed, repeatedly from the same community which is also the owner, or business agent of the XXXX XXXX location. However, XXXX used the wrong name and background information to claim the same bills on the same account. I was then " evicted '' however, each time I returned for XXXX gifts to myself I was denied access to the unit. 

Additionally, I attempted to begin multiple businesses at my XXXX residence through the community and a car dealer. In both instances I was denied for an unexplained reason. I assume it was due to XXXX and race, but when I submitted the complaint to the XXXX, XXXX XXXX XXXX, led my XXXX XXXX, and other institutional agencioes, my investigation requests were denied. 

Per 1L contract law, the contract drafter is responsible for faults in contracts. Just like debt collection. Therefore, I can't be held responsible for an incorrect name, an incorrect credit grant, and lies or cover-ups to get payment for services inadequately rendered. In XXXX I said I needed a quiet community for work, there was loud construction daily. Nuisance related to XXXX. In XXXX, I wasn't even there, due to XXXX, therefore, XXXX, who data breached my information, per an XXXX credit check, can not, must not and shall not continue to charge me for inadequate information. However, each time I need a car or access to new credit these histories show up and damage my credit further on each pull. 

The only proper action in all these instances of leaks, lies, and deception on the parts of the agencies, actors, and quasi-governmental institutions is to remove any and all instances or admit fault in investigation. 

Regardless, I tried at least 5 times with each one for resolution to their imposed lies and deceit. Most recently, with XXXX yesterday morning, and I don't go back to XXXX because each time they tend to call the police. 

Remove these and all faults tied to it. Its the only plausible and equitable solution, short a suit under the FCRA, ADA, and Bill of Rights.
Consumer complaint received 2020-03-15
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: CITIBANK, N.A. (GA)

XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. XXXX on XX/XX/XXXX and XX/XX/XXXX and Macys on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.
Consumer complaint received 2020-03-15
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: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. Barclay on  XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.