davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
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. HAS VIOLATED MY RIGHTS AND THIS ARE THE COMPANY THAT HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

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 ITEMS OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2022-05-15
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (MO)

This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days past due.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (MO)

MO CHILD SUPPORT has repeatedly bounce on and off my credit report and created legal documents to make there claim of me owing them money. I been disputing child support on on my credit report since XXXX they have been reporting incorrect, in accurate information just to keep me from getting funding and to keep me from receiving my taxes, this got to be a violation of the FCRA. In XX/XX/XXXX I receive a termination of IWO ( I do have copies. ) On XX/XX/XXXX I received a past-due notice of {$9400.00}, XX/XX/XXXX child support claim I owe {$8100.00} Now keep in mind that I did not owe on XX/XX/XXXX. As of XX/XX/XXXX child support has had Equifax update my information that was use from my dispute just to fit there claim child support has created these false documents to take my funds and taxes and also my covid relief money. On XX/XX/XXXX child support took my taxes of the amount {$1600.00}. and on XX/XX/XXXX they took {$1100.00}. XX/XX/XXXX they took {$2100.00}. XX/XX/XXXX the also took {$1200.00}. This do not add up I do not owe child support And this account is causing me not to be able to get any funding for years by reporting false claims and being a bully law to keep me down.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (CA)

To whom it may concen, I am sending you this email because of a recent bad experience we had with one of your lenders XXXX XXXX. XXXX originally reached out to my husband and I late XXXX stating that if we hurry we can refinance our mortgage to lower interest rate to lower our monthly payments. Of coure we agreed to refinance. We sent a cashier 's check for {$150.00} overnight to FHA. XXXX stated that we needed this by XX/XX/2019 because we have 2 subordinate loans. He then advised us that we could get a refinance without an appraisal and our monthly mortgage payments would be {$1400.00} per month. He also stated that if we wanted to borrow on our equity that we would need an appraisal. He stated either way that we wouldn't pay our mortgage for XXXX and XXXX. I have a text message confiming that. My husband and I talked about it and decided to borrow on the equity. We understood that our monthly payments would be {$1800.00} per month. We signed paperwork needed to get this started. On XX/XX/2019 I got an email from XXXX XXXX requesting a credit card so she could schedule an appraisal. That evening I gave her my credit card information and was charged {$500.00}. Our home was appraised for {$300000.00} which is much more than the XXXX we paid for or home 2 years ago. XXXX then had a conversation with us staing that we could borrow {$23000.00} to pay off all of our bills we agreed to that and were waiting for XXXX to send us paperwok to sign. We didn't hear anything from back from him. From XX/XX/2019 thru XX/XX/2019 we reached out to him several times with no response. On XX/XX/2019 he finally responded saying that he misspoke and that his numbers were off so we couldn't get any cash back. He recommended that we stay with the first loan. Now were out the {$500.00} appraisal fee. We agreed to stick with the first loan and decided at that point never to do business with him after this. He sent us the final paperwork on XX/XX/2019 at XXXX XXXX. Both my husband and I were still at work so we didi n't open the email until XXXX. We docusigned the paperwork. Then on Saturday XX/XX/2019 my husband got a text from XXXX telling us that " we missed the deadline and if we hadn't payed our mortgage for XXXX please do so now ''. My husband told him that after this we wouldn't be doing business with in the future. XXXX got mad and cancelled the refinance. Now not only are we out {$500.00}, we are late on our mortgage too! We trusted XXXX XXXX and he XXXX us. We paid bills with the XXXX mortgage payment because we trusted his word. Now we are in a financial bind because of his incompetence. We are having to use high interest credit cards and borrow money from family just to make up for his lack of professionalism.
Consumer complaint received 2022-05-18
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. (NC)

The credit bureaus stated Account Name US Dept of Education Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. US Dept of EducationXXXX Account XXXX XXXX, # XXXX. XXXX XXXX  Account # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, dates and deferments were filed before all was reporting as defaulted. It should be in deferment not default. 

They also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2022-05-15
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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 2022-05-15
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. (GA)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 Section 602 A section 2 : 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 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

Issue with Truist Bank and inability to withdraw funds from ATM machine. This issue has been ongoing for two days starting on XXXX/XXXX/2022. I called the customer service and the fraud department and both have indicated they are unaware of any issues with my debit card or their ATM machines. I was told by the fraud department ( XXXX ) on XX/XX/XXXX at XXXX to travel to different locations in hopes of finding a machine that would allow withdrawals. When attempting to withdraw funds the following message is received : Fast Cash - not available & Withdrawal- not available. I have experienced this issue with the locations on XXXX XXXX ( XXXX, GA ) and XXXX XXXX XXXX XXXX XXXX, GA ). Additionally, if I am able to withdraw funds, the ATM machine does not allow for deposits. Again same message, deposits- not available. There is clearly an issue with the ATM machines and no one within the organization has shown any sense of urgency to resolve the issue. 

Not only the above mention issue, but my debit cards were canceled without advance notification and receipt of my new cards. 

By far this is the worst merger EVER!!!!
Consumer complaint received 2022-05-15
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. (OH)

In Accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-09-25
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

On XXXX XXXX 2022, I opened a savings account with Bank of America, N.A. ( BofA ) online. I answered everything asked for to the best of my knowledge. I also disclosed my dual citizenship ( XXXX being my other citizenship ) since this was asked about too. 
I was able to fund the account with {$250.00} from another account with another financial institution via XXXX while going thru their opening procedure online. 
I received an email confirming the account opening right after that and was able to log in online to that account for the first time. 
The next morning I tried to log in again online, but wasn't able to do so. 
The day after that, XXXX XXXX 2022, I noticed that the initial funding amount of {$250.00} was debited from my other account with another financial institution. Therefore, I tried again to log in again online, but wasn't able to do so. 
I called BofA to request a new password as I wrongly assumed I didn't enter it right. Since I didn't have my full account number, I was put on hold for someone from their " Fraud Department '' to answer my call.

After some considerable wait, someone answered my call and told me that my account was closed without giving any reason and was transferred to speak to someone else if I wanted my questions answered. The next person did not tell me my account was closed, but told me that I would need to go into a branch with a form of ID and my SS card in hand to verify my identity to access my account and my money. 
I did that the same day in the afternoon. After some more considerable waiting, someone in the branch was able to pull up my account information after they verified my identity. They told me that the account was closed and a check was issued. 
I left the branch anticipating a check to arrive in the mail sometime the following week. 
It took BofA until XX/XX/2022 to credit my other account with another financial institution for the same amount originally withdrawn. 
BofA sat on my money for one week, wasted my time, made me drive into town to their branch giving me the run-around and didn't even provide any explanation whatsoever as to why my account was closed. 
I suspect it might have to do with my national origin/dual citizenship, however I don't have any evidence for that other than the above stated facts.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over it.
Consumer complaint received 2022-05-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (KY)

I have disbuted this debt, in return they threatened to sue and damage my credit. They resubmitted to the credit companies as a new debt in XXXX. Any collections I did have on my account were from XXXX and greater. I did not open any accounts until XXXX with XXXX XXXX. I have no knowledge of a XXXX account. They are repeatedly calling me all hours of the day 7 days a week at home and at work. They mail me papers requesting I file a police report.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GreenSky, LLC (NJ)

In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from home depot through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at home depot. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

Comenity bank needed a formal letter to have a cease and desist put on my account to stop repeated calls to both work numbers on file. I am currently off from work due to XXXX related issues that continue to reoccur. I need all correspondence to go to my mailing address.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im having an issue with XXXX XXXX  XXXX  they added escrow to my account despite me being XXXX XXXX XXXX XXXX veteran making me XXXX exempt from the taxes on my home. I have talked to the company and they have agreed to to fix my credit report from showing 2 missed payments which is killing my personal credit. Equifax did an investigation into my mortgage payments being flagged as 2 missed payments delinquent and didn't change anything despite the information being incorrect on my credit report. I have never missed a payment on my loan and asked them to fix the situation. I already spoke with the mortgage company about this now I'm looking for a quick resolution.
Consumer complaint received 2022-05-18
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. (CA)

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 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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

15 U>S>C> 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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.