davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (IN)

I submitted a {$75000.00} wire transfer for the purchase of a condo. I initiated the wire on XX/XX/XXXX. On XX/XX/XXXX I had a suspicious call purported to be Ally bank, asking for information regarding the wire. They said if that if I did not trust them to call the normal customer service line. I did not give the suspicious caller any information. I called Ally bank 's customer service line. I was told that they had no documentation of anyone calling and could not verify the number that the suspicious caller called from. They also said there were no notes on the wire transfer and it was still in review. They said that there was nobody else available to speak with. As of the morning of XX/XX/XXXX, the wire has still not moved out of review. I have once again called Ally and they said there is nothing that can be done. There is nobody offering any help or assistance. I will be in breach of contract on the condo purchase because of this issue.
Consumer complaint received 2018-08-07
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

I disputed a capital one auto finance inquiry and they deleted my actual credit card account. I reached out to both parties about the issue on XX/XX/24. I have been paying on the card and it is not reporting and has not been for three months now.
Consumer complaint received 2017-11-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In my opinion, Bank of America may have sold my loan to XXXX XXXX XXXX XXXX for pennies on the dollar. 

If so, in my opinion XXXX XXXX XXXX XXXX paid about {$110000.00} for my loan or less. 

Bank of America at that time claimed I owed {$200000.00} and therefore XXXX XXXX  XXXX XXXX could and would collect that amount from me. 

Or, did Bank of America only transfer my loan to XXXX XXXX XXXX XXXX without the exchange of monies and claim that they sold it to them. 

Its unfortunate, but every time I made a request for documents from Bank of America the legal team/personnel each and every time responded with unsound unrealistic insincere rhetoric diplomatically stating that they dont have to respond to my request or requests. 

I would like for the Bank of America legal team/personnel produce the below documents without diplomatically stating that they dont have to.
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report. 

XXXX - XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$17000.00}.
Consumer complaint received 2022-07-26
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

As of XX/XX/19 JP Morgan Chase closed my checking and savings account without notice. My account had only been overdrawn for 2 days, and I was goin to bring my account back to positive standing on Sunday XX/XX/XXXX. I have always paid any overdraft fees, I usually had my account in good standing. They did not give me a reason for the account closing except that they are ending the relationship. I need my bank account. Im very upset about them closing the account, because I genuinely loved this bank. I dont know what to do. I have only been overdrawn 2 times.
Consumer complaint received 2018-11-18
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. (TX)

I did not often request my credit reports last month i decides to do so. and i was surprised to see that XXXX XXXX XXXX XXXX in Utah place an item on my credit file. I send them a letter on XX/XX/2018 to get it removed from my credit file .On XX/XX/XXXX one member send me a letter with one piece of paper with signature that is not mine saying that they sold the account to a collector company so i have to contact the collector. I send him another letter and tell him that the account is fraud the signature appear not mine. At the same time i request them to send the the dealer address, phone number and name for me to be able to contact them. Instead of sending the information they call experian and Experian send me letter saying that they place a freeze on my credit file. On XX/XX/2018 another member send me a letter reporting that he is going to call the tree bureaus for repossession of the account. Before all that the account was showing on the comment that it's charge off. with all those discrepancies it still on my credit file.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (PA)

I tried to find someone to take over my apartment. First time he tried to contact him using his friend. She said he wanted to hear detail about my place. So I emailed to him to explain. Then, he told me he was XXXX XXXX, so he can not see in person. He wanted to see pictures. So I sent him. Then he said he liked it he wanted to reserve my place. He sent a check and he wanted me to know full address, full name and number. Then I got his check. He told me he sent much more money than rent fee. So he wanted me to get rest of money using XXXX so I sent him the money. Then he took the money I sent and stop the check he sent to me. So I contacted the department to get the help. They said he already took the money, so there isnt anything they can help me with this problem
Consumer complaint received 2023-03-24
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00}.
Consumer complaint received 2023-03-24
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. (CA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$11000.00}
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XXXX XXXX I went to ATM to withdraw funds in the amount of {$800.00} plus ATM fee and the ATM did not dispense my cash and I filed a dispute with TD Bank on XX/XX/2022 and TD Bank told me the process is 10 business Days or less and it's now XX/XX/2022 and I have yet to receive no updates or my missing money back. I have already contacted them multiple times and I'm getting the run around and I need my money ASAP as well as TD bank is charging me maintenance fees for the money that's supposed to be in my account that they have not put back yet
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Transunion credit Bureau refuses to remove me from being late on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do their job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update this damaging information from my profile. 

XXXX XXXX XXXX Late Date XX/XX/19
Consumer complaint received 2023-03-24
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. (SC)

I recently received a notice from XXXX XXXX  about denying my business a credit product from XXXX XXXX XXXX due to TRANSUNION-NATIONAL reporting inaccurate important on my consumer credit profile. This makes the about the seventh complaint I have filed against TRANSUNION for violating my right to privacy pursuant to 15 USC 1681 ( a ) ( 2 ) which specifically states that a credit reporting agency may not furnish ANY information on my consumer report I accordance with the written instructions of the consumer to whom it relates and I never gave TRANSUNION to report anything to XXXX XXXX  and also they have violated my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) in which specified there is a need to insure that consumer reporting agencies exercise there grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TRANSUNION has continuously defame my character willfully and knowingly after I have made them aware of this numerous time and they continually ignores me.
Consumer complaint received 2022-07-26
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: TRUIST FINANCIAL CORPORATION (DE)

On XX/XX/2022 I submitted a dispute against Regional Acceptance Corp. On XX/XX/2022 Regional Acceptance Corp. stated that the account information disputed meets the requirements of the FCRA . Regional Acceptance Corp, illegally reported my information to unaffiliated third parties without giving me any disclosures. Pursuant 15 USC Sec 6802 Regional Acceptance Corp. is required by federal law to give me three disclosures, I have not received documents containing the required disclosures pursuant 15 U.S.C Sec. 6802 ( b ). Regional Acceptance Corp., is in violation of many other federal consumer laws. I did not give Regional Acceptance Corp. permissible purpose under 15 U.S.C Sec. 1681b ( 2 ) to furnish this information on my credit report. Without my written consent Regional Acceptance Corp. is committing aggravated identity theft pursuant 15 U.S.C Sec. 1681a ( q ) ( 3 ). As a federally protected consumer, I know that my consumer report shall not include a report containing information solely as to transactions or experiences between the consumer and the person making the report pursuant to 15 U.S.C Sec. 1681a ( 2 ) ( i ). If the consumer report does not include transactions or experience, this account should not be on my consumer report. If Regional Acceptance Corp. continues to report this account to my consumer report, they will be held criminally liable for aggravated identity theft pursuant to 18 U.S.C Sec 1028a and extortion. This is my final attempt to have this matter rectified before pursuing legal matters. If Regional Acceptance Corp, would like to continue committing fraud and unlawful criminal activities, this matter can be further discussed in federal court where I will file for litigation for actual damages caused by Regional Acceptance Corp in pursuant to 15 U.S.C Sec 1640.
Consumer complaint received 2022-07-26
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: EQUIFAX, INC. (KY)

So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-26
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. (KY)

So I sent letters off on XX/XX/2022. Here is my tracking # XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-07
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: EQUIFAX, INC. (MS)

I reached out to the company on multiple attempts starting on XX/XX/24 about incorrect reporting of inaccurate inquiries on my credit report as well as accounts listed that were not verified as belonging to me. The company received my information on XXXX and it is now XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and I have not gotten a response.