davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
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. (LA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 2022-09-24
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)

After discovering this debt with XXXX XXXX  XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Consumer complaint received 2019-12-20
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. (IL)

trans union, XXXX and XXXX  will not allow me to dispute error on credit file and will not correct error on file. this is an acct that was paid in full on XX/XX/XXXX for car that was paid in full that i have pay off letter and title for car. also i have a complaint file number XXXX in which XXXX  XXXX XXXX states that correction will be made. i sent all info attached to credit reporting agencies and they still refuse to correct this error. the XXXX XXXX XXXX acct number is Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$430.00} plus they continue to drop my credit score with no change on my credit report in retaliation to my dispute of this matter.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account that must corrected. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

As Citi bank advertises, a new customer opens a checking account, and deposit XXXX within 20 days, the customer will receive a {$500.00} bonus after 80 days. If I apply for new Citi credit card with my checking account on the same day, I will receive extra XXXX XXXX bonus. I opened a checking account and deposit a check of XXXX to my new checking account and applied for my new citi credit card on XXXX, XXXX, XXXX. I should receive my bonus in XXXX, XXXX however I havent. The banker told me the {$600.00} bonus will deposit to my account automatically. I went to the local citi bank to ask about my bonus in XXXX, XXXX, why I havent received my bonus on time. The banker keeps telling me they dont know. They can do nothing about my case. The only way for me is waiting. I did everything to meet the bank requirements, and can not receive my bonus. With the high rates now, I am losing money with Citibank! They keep threw the ball to me, I dont get any help from them.
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I never lived at these addresses below. I sent police affidavit over 2 years ago, to delete any unknown, inaccurate addresses from my file. This is inaccurate information and I need it deleted or else I will sue this company. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ..how can I live in so many places at the same time! This is crazy!!!
Consumer complaint received 2019-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2019, I made a {$15000.00} payment to my mortgage servicer, Mr. Cooper, and instructed that the entire payment be applied to my principal balance. Mr. Cooper applied {$850.00} of the payment to interest. I have contacted Mr. Cooper and it has not corrected the error.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

XXXX user id Password- ( XXXX ) last known XXXX banking app online has been compromised and others including my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have all my identity and have been changing my passwords and pins to my bank accounts and have been changing my accounts around with all of my information including my ssn XXXX, XXXX XX/XX/1975, address XXXX XXXX XXXX XXXX XXXX Ohio XXXX, and I have reason to believe I'm being watched because my information keeps getting known to individuals above and my passwords and pins I keep changing them and someone keeps getting them! Please help me with this id theft alert problem! I've made a police report and a id theft .gov report! Not to mention all 3 credit reports agencies have all fraudulent information reported by my sister and others above that have stolen my identity! Please give me a report on all names listed on who reported what items on my credit bureau it is all false information!
Consumer complaint received 2019-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XX/XX/2019 I spoke with XXXX in Fraud Department Services regarding uploading my FTC report that list account XXXX/XXXX  XXXX XXXX to have it deleted/blocked because it is a part of my identity theft. Currently it's in dispute but he told me to call once FTC report has been uploaded to block/delete unfortunately, I tried for about an hour to upload the document through Experian upload and it never worked for almost an hour and the only way I could get it to them immediately is here through the CFPB
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (CA)

XX/XX/XXXX - refinanced car with XXXX XXXX XXXX. Called west lake financial and received 10 day payoff balance. 
Wrote check signed. and mailed off that day. 
XX/XX/XXXX- letter received from west lake financial thanking me for being a customer and states that they realesed of interest document to appropriate party. Stapled is original retail installment sale contract. Stamped paid. 
XXXX-received statement reporting total amount due. XXXX due date : XX/XX/XXXX Everything is great, credit, bank, west lake financial, until ... 
XXXX receive statement with payoff balance @ {$550.00}!! 
Called company multiple times and Received attitude from collections and customer service and refused to settle or come to an agreement. And demanded their money and all of it. I have disputed with another credit company and they ruled in my favor and reverted my credit score back to where it was before my issue with this company.
Consumer complaint received 2019-12-20
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. (CA)

Received advert with Reservation Number : XXXX and Access Code : XXXX for credit card. Nowhere on advert does it say a hard inquiry will be made and nowhere on website portal.
Consumer complaint received 2024-03-12
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. (TX)

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 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (NV)

Us bank credit cards charge a late fee when you make a payment after XXXX. I live in the pacific time and it is not fair for them to charge a late fee to people living in the pacific time. we should at least be granted more time as it if were until XXXX instead of eastern time. It is not fair and government should do something about this time malpractice. Why hasnt anyone looked into this problem.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Agreement signed on XX/XX/XXXX at Bank of America located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX tel number XXXX XXXX , XXXX XXXX is the person who I originally met and handled the paperwork and agreement. The agreement was that Bank of America would consolidate and pay three vendors outstanding balances. One of the vendors XXXX XXXX was sent a check dated XX/XX/XXXX written to XXXX XXXX XXXX XXXX.The check is check # XXXX in the amount XXXX on my behalf to pay off aXXXX XXXX credit card. XXXX XXXX uses XXXX as their bank. In a letter dated to me on XX/XX/XXXX from XXXX XXXX informed that they placed the check from Bank of America in a holding account because they were unable to identify the account number. indicated on the check that Bank of America sent. I spoke with Mr XXXX who is a Conumer Market Lender for XXXX XXXX County for Bank of America at XXXX today, last week and the previous regarding requesting multiple times for this issue to be resolved and for my account at Bank of America to be credited {$6700.00} since the check has not been received by XXXX XXXX.I have contacted by phone Bank of America at their 800 number XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX a credit card promotional analyst on XX/XX/XXXX at Bank of America. I spoke and lodged a complaint with the branch manager XXXX XXXX. All of the above have told me they are " working really hard on resolving this '' over and over with no specifics and no timeline.and no resolution and I am still having to pay both Bank of America and XXXX XXXX even though I am verbally told by Bank of America that while they try to resolve this I will not be responsible for the debt.. According to Bank of America XXXX even with proof of the check being deposited is not co operating with Bank of America to transfer the funds into the correct account
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: Experian Information Solutions Inc. (PA)

I am writing to dispute fraudulent charges on my account listed as XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting these charges be removed immediately.
Consumer complaint received 2023-03-08
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: LEXISNEXIS (MI)

I have previously disputed the circled items enclosed. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. * According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. * They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ; these credit bureaus have 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. * They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % Accurate or it MUST BE DELETED IMMEDIATELY Also, all credit bureaus are showing inaccurate and erroneous personal information. I have one address, one phone number, one name ; any inaccuracies must be removed immediately as they are impacting my credit score tremendously and hindering my reputation
Consumer complaint received 2019-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

My purse was stolen with my social security and Id. Someone used my information to open an account. This is a fraud and I didn't authorize it. Someone open up a SYNCB/AMAZON account in my name. it's showing on my XXXX credit report..
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Since XX/XX/XXXX, Experian Creditworks has been attempting charging my XXXX card {$100.00}. South Carolinians are entitled to free Experian monitoring due to the state security breach. 

Yet, Experian has repeatedly attempted to charge my XXXX card for services. I have been unsuccessful reaching Experian to stop charging my account. I am prevented from logging into Experian to delete my XXXX card ( see attached ). Also, reaching Experian by phone is impossible. The phone number on the website is automated and will not cancel the payment.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

TransUnion recently added a name to the credit report created by them that is not a legal name for me. 

By court order with the Circuit Court, 2nd Division in XXXX County, Arkansas, Judge XXXX XXXX approved an order for a name change with his signature and handwritten date of when the order would go into effect on XX/XX/XXXX. As of XX/XX/XXXX, the name XXXX could no longer be used for any purpose. The order applies to every person, business or government agency. 

Attached to this complaint is a copy of that court order.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

LVNV funding has been reporting an account on my credit report, which is has not been validated. I requested a debt validation over 30 days ago for a debt listed on my credit report in the amount of {$2300.00} from XXXX XXXX XXXX XXXX. The account listed is more than 7 years old and I do not recall the debt. I would like the debt validated or removed from my account. If the debt is validated I would like all communication in writing and ask the company to stop contacting me via phone.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

This is regarding the dispute for XXXX XXXX from XX/XX/31 in the amount of {$790.00}. I have provided enough supporting documentation to prove my case here. This business fraudulently charged my card for service which was not provided as advertised. They do not follow NJ law with respect to the service they are allegedly providing. I have done all I can to have this charge reversed and this is my final attempt. If there is no resolution after this, I will be winding down my spend on this card and across my other AMEX cards to almost nothing and will refrain from doing business with XXXX and Amex in the future.
Consumer complaint received 2023-03-08
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: Consumer Portfolio Services, Inc. (AL)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality. 
15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.