davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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)

I sent you multiple times that Im the one whos disputing this information. Again, I received your multiple response that you dont have authorization to dispute anything because you believe it didnt came directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Under Section 614 Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ]. You only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

The information Im disputing are INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. 

XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015.
Consumer complaint received 2023-07-11
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)

Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-23
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. (PR)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$4700.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXXANK XXXX XXXX A ) XXXX Balance : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$350.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$4700.00}
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-02-23
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. (PR)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXXXXXX Balance : {$3400.00}.
Consumer complaint received 2022-10-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

This account with Synchrony Bank was opened when I bought a mattress at Mattress Firm and they offered me no interest financing. I have had a myriad of issues with Synchrony. Their operations and systems are chaotic. The latest problem I had was when they randomly decided to cancel my autopay causing me to miss a payment. Their method of informing me was to send an uninformative email on XX/XX/2023 to me to click a link to read a message for me. The link did not work when I attempted to click and read the message. I attempted various times. 

Today, I logged into my sychrony account and discovered that my payment was overdue. I went back to the uninformative email of XX/XX/XXXX and was able to click through and open the message. The message stated that my autopayment amount was being changed to {$0.00}. My balance is still {$1800.00}. There is no reason listed for this change and it was not a change that I authorized or attempted to perform. Now my account is overdue. 

Earlier problems with Synchrony include that they did not send me information in the mail when my account was setup and the first payment ( or perhaps multiple payments ) were missed because I didn't know the account had been opened yet. I learned about it after receiving a past due statement. Resolving this was difficult and I spent hours on the phone with off shore customer service agents that could not help and were not trained to address the issue and did not know English sufficiently well to comprehend the problem. I was finally able getting it fixed after one helpful customer service agent finally escalated and I spoke to an American agent who got it resolved. 

Synchrony appears to either act in bad faith intentionally hoping to cause customers to miss payments so that they can charge exorbitant interest rates citing breaches of contract OR their systems and operations are poorly setup to actually manage their accounts.
Consumer complaint received 2023-02-22
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. (PR)

Ive been a victim of identity theft someone used my information to obtain credit, and applied for several creditcards and loans that I havent authorize them to check my credit here are the inquires that are fraudulent I didnt authorize them to check my credit Hard inquiries XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX CXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2017-01-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: MORGAN STANLEY & CO. LLC (MD)

XXXX XXXX and his associate, XXXX XXXX, formulated a financial plan designed to preserve and raise enough money so that I could retire and live comfortably by XX/XX/XXXX due to serious medical considerations. I fully trusted them to manage my accounts and assests. However, since XX/XX/XXXX, they have lost well over {$60000.00} of my money -- {$43.00}, XXXX of this was lost in the first 11 months of XX/XX/XXXX, when the market was up. During this time, they also charged me over {$17000.00} in fees. 
I have had XXXX financial experts reveiw my accounts, and all agree that there is no explanation or justification for such massive losses in an up year. XXXX XXXX took " big bets '' puttig my money in very risky funds in amounts as big as {$20000.00}. During the course of our work together, he represented to me over and over via email on the phone that the funds, ETFs, and stocks he was choosing for me were appropriate for my short time frame and small amount of savings. And, he was aware of my need for the money for medical care. Still, he took huge risks, that lost money, with my funds. The horrid losses from my accounts in a year that the market did well speaks to the obvious neglect and inappropriate management of my accounts by XXXX XXXX. I called multiple times in XX/XX/XXXX to express my concerns to XXXX XXXX, and he told me just to trust him. We also had email discussions. On XX/XX/XXXX, I sent a letter to XXXX XXXX, the Branch Manager for XXXX XXXX office, and to XXXX XXXX outlining my concerns and complaints, and requseted to discuss a fair an equitable resolution. I have followed up by email three times now, and I have only received the comment that Morgan Stanley is reviewing my letter. As of XX/XX/XXXX, over a month later, I have no substantive response or willingness to engage with me in any dicussion.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PR)

On XX/XX/2022, I received a suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges. 

A few weeks ago, I filed a complaint with CFPB and the company responded by telling them that I didn't responded to the information they requested, also they claim their records showed that I had the card with me which is protected by a chip that prevents cloning. 

That information is not correct, first the charges were made on a store in the country of XXXX and second the minute I receive the alert I requested a new credit card since I dint have it or used it in years, it had no balance.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IN)

We opened a High Yield Savings account in XXXX with BMO XXXX. We deposited {$30000.00} into the account. We then paid student loan payment and had an automatic deposit from a paycheck go into the account. Right after, we received a notification that the account was restricted. I attempted to call multiple times and was told there was no issue with the account. 

Fast forward to the end of XXXX, our employer reported that the {$1000.00} that was to be auto-deposited into the HYSA from wages was returned to the employer due to account freeze/restriction. 

Every time we call, theres a new hoop to jump through. We have submitted every item that has been asked of us. But still the account remains frozen. 

When I call, I often get accidentally disconnected starting the process to speak to a person all over again. Or I will encounter their voicemail. 

Today, before XXXX, I was told that they had all the info they needed and the account would be unfrozen within a few hours. It is now XXXX hours later and still the account remains frozen, our money inaccessible. Their customer service line says theyre only open until XXXX. 

We need help getting the money back. At this point, all I want to do is close the account.
Consumer complaint received 2024-04-22
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to get my credit score and report from XXXX and TRANSUNION but its showing error code " NH '', I can see my other scores but not XXXX, I have been trying to resolve this issue goin on 2 years now and they keep giving me the runaround and ive sent the information they requested multiple times, sensitive information through mail at that. I just want to be able to access my XXXX and TRANSUNION report and score.
Consumer complaint received 2022-10-28
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$740.00}.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK PUERTO RICO (PR)

Went last XX/XX/XXXX to First Bank to make 2 transactions. First one was a cash payment of {$980.00} for a credit card balance. All fine. Second transaction was to make a cash deposit of {$1800.00} to my son 's savings ' account. Before going to the bank, like 2 hours before, I counted money twice. To pay credit card, got {$990.00} cash. For the savings deposit, I counted {$1800.00}. Put {$990.00} in my right pocket and {$1800.00} in my left pocket. First bank discontinued using deposit slips to fill for the transactions. I went to the desk were they usually had it but they had nothing there. So I went to the cashier. First transaction was ok. Second transaction, I gave her the money. She never asked how much was the amount. She went to the machine, counted money, made transaction, and gave me the receipt. Started walking to leave bank and noticed that the deposit was for {$830.00}, instead of the {$1800.00} I gave her. She stopped the operation and together with another employee, they counted all the cash that was inside her drawer. After maybe 5 to 7 minutes, they counted all and said to me that drawer had {$800.00} more than supposed. I told them that there were {$1000.00}. They said, " we counted {$800.00} so that's the amount I will credit you ''. Since it was cash and there was no way to identify the specific cash I gave the cashier, I accepted that. They gave me a new receipt with a deposit of {$1600.00}. 

I entered the account last XX/XX/XXXX to check balances and noticed that my son 's savings ' account had a lot more money less than supposed. I went to the bank to check what happened. They told me manager was going to call next day. Next day, XX/XX/XXXX, received a call from manager. She told me that they put on hold on the account to make an internal investigation were they see procedures, videos, etc, and they concluded that the extra {$800.00} didn't belong to my transaction because that amount came in a change of drawer from the previous teller. So, it's my point against theirs. Like I said to the manager, there were some irregular procedures made here and I insist I counted {$1800.00} twice and that was the amount of money given to the teller. I would like to get a neutral analysis for this case because I can't trust and don't believe that thing she told me. She even told that by looking at the cash given to the teller in the video, by her experience, she can tell if that's {$830.00} or {$1800.00}. I told her that it can't be determined by that appreciation because there could be XXXX {$100.00} dollar bills. The only thing that can convince me is that the video shows me giving her the money, and the machine says {$830.00} after counting it. What's finally determined, will be accepted. 

Thanks, XXXX XXXX
Consumer complaint received 2023-02-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (PR)

Regards, This letter is addressed to a complaint to the loan company Nelnet which I have XXXX loans. This company has been charging me interest since 2021, after Biden imposed the Waiver for student loans. 

When I contacted Nelnet they informed me that I had to pay the interest because my loans did not qualify for the Biden waiver, it was very strange because it was the only one that charged me interest. Today it is the only one that requires me to pay my loans monthly and accrues interest. 

I make this complaint to have my account audited because they are violating a tax waiver. In addition, this violation is one of the things that affects many students since it makes the debt unpayable because the interest is compounded and cumulative, how many students should have an accumulation of additional debt due to this situation. 

Loan : XXXXXXXX XXXX XXXX : Principal Balance : {$3900.00} XXXX XXXX XXXX Principal Balance : {$1500.00} XXXX XXXX : Principal Balance : {$12000.00} XXXX XXXX XXXX Principal Balance : {$6300.00}
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TN)

On XX/XX/2021 my stimulus payment was deposited into a chime account which I was using for savings instead of my credit Union account. The next evening I began transferring money into my XXXX XXXX. They suspended my account and after providing all of the proof of identity that they asked for and numerous emails and phone calls, it is now XX/XX/2021 and I still do not have access to my funds and I am also no longer receiving responses from Chime Bank.
Consumer complaint received 2022-10-28
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. (AL)

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 XXXXXXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.
Consumer complaint received 2020-09-30
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 (VA)

I purchased the flight tickets for my parents from XXXX to XXXX and XXXX to XXXX through XXXX XXXX XXXX. My parent 's return flight was on XXXX XX/XX/2020. My parents visited me on XXXX  XXXX. Now when the return date was coming near, I called XXXX XXXX to confirm whether they are still operating or not due to COVID situation. The response which i got from them is they are still operating but they are operating under the special flights called as " XXXX XXXX XXXX '' and the will not honor my current return ticket and i have to purchase the new ticket which was priced 2 times of my return ticker, they also refused to give any credit and they told me that i can wait for normal flights to be a resume which they don't know by when, because my parents XXXX and XXXX issue they needed to return back sooner, so i asked XXXX XXXX that will they allow the unused ticket to be used later and they told me that yes they would but for same passenger and same flight number and the same location which was not practical at all. Finally, I bought the new tickets with XXXX XXXX. Now because I have not my original ticket and also not getting a refund or credit, i asked American Express to dispute the transactions, and American express came back with the response that i bought through the travel agent and they can not dipute and return my money back, i disputed it two times explaining that to me its fraud where the XXXX XXXX is still operating under the same name and still did not honor my purchased ticket due to increased demand and ticker price, and also not refunded it. 
Also, XXXX XXXX or travel agent is not responding to my emails or phone calls in this matter.