davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This Letter was sent the the XXXX XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on these accounts, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCR

A 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information.

Basis for dispute : 1. You verified Terms as " {$0.00} Single Payment '' on Transunion and XXXX 2. You verified High Balance as " {$2000.00} '', on all account beginning in XXXX, which is not correct 3. You verified High Balance as " {$4400.00} '', on all account beginning in XXXX, which is not correct 4. You verified account status as " Transferred, closed '' 5. Date of Status hasn't been updated since XX/XX/XXXX on XXXX 6. Date of Status hasn't been updated since XX/XX/XXXX on Transunion 7. Actual Payment Amount is {$0.00} on Transunion and XXXX 8. Actual Payment Amount is thousands of dollars off on all accounts on XXXX compared to High Credit 9. Account Status on Transunion and XXXX is " Collection '' not " Paid as Agreed '' 10. Account Status of " Collection '' starts on XX/XX/XXXX on Transunion, I was still in school. 

Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

I havent used my card in XXXX weeks due to the fact that my card was stolen I made a request for a new card XXXX weeks later the day my card arrived I received notification that my account had been closed for violating terms and agreements not sure why being that I hadnt used my card in XXXX weeks I chatted with support they couldnt give me a reason I called to speak with a superior the same thing they have also took money from my account every time I loaded with paper money at the XXXX every time I had got paid through cash app for freelance work I do theyve also taken more then what they should
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (AL)

Equifax is reporting an account on my credit report with no creditor listed. I have been unable to send out validation request because I am unaware who is reporting these accounts or if this account even belongs to me. I have sent 3 dispute letters to Equifax since XXXX of 2021 asking them to investigate this account and I have yet to receive a written response or see any updates.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Nissan Motor Acceptance continues to report a loan to the credit reporting agencies with the wrong late payment dates. This account is too old to be report but nissan incorrectly reports repo and late payment dates to ensure the account is not deleted.
Consumer complaint received 2019-05-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (KS)

My lender was asking US Bank to subordinate a HELOC that had moved from 2nd position to first position when I paid off the first loan several weeks ago. A new first loan will be taken out and US Bank was asked to subordinate their loan as they had done previously with the other mortgage I paid off. They asked for a {$250.00} fee to do the subordination. They cashed the check and then declined to subordinate. The fee was never earned as it was not an application fee of any type, it was a fee to actually subordinate their HELOC which they refused to do. I paid off their HELOC and have requested a return of the {$250.00} fee from several departments within the bank. They never get back with me. The reference # is XXXX.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

The day of XX/XX/XXXX I went to Gap at the Mall XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I was asked if i was interested in getting a Gap credit card, I said yes! 
They made a credit inquiry check on my credit and I was approved. 
They gave me a new Gap credit card! 

I came back the day of XX/XX/XXXX for shopping at the same Gap Mall at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They ask me if I have a Gap credit card I say yes but I didnt bring it with me, I left it home. They ask me to just give my phone number, name and all informations so they can find my credit card, I give them all the informations. They told me they cant find my credit card, so I may not have one. I told them i do have one, its at home. I didnt understand why they couldnt find my information on their computer. 

They use all the information I gave them, instead of finding my Gap credit card information, they made a second time a credit inquiry on my credit. A week later I received a second credit card form Gap. 
Which is not good for my credit report. 

I call the company and tell them what happen and needed to be fixed, they told me their is nothing they can do about it. When it's done, there's nothing they can do. 

I want XXXX XXXX to take full responsibility of what they did to my credit report and fix it as soon as possible. 

Thank you
Consumer complaint received 2022-10-07
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. (PA)

My name is 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 2022-10-07
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY (LA)

I purchased a couch from XXXX XXXX XXXX using a store credit card that was approved on the same day in the store, backed by TD Bank. The agreement included a 3-year payment plan with no interest. However, less than a year after I made the purchase, TD Bank ceased doing business with XXXXXXXX XXXXXXXX XXXX, leading to the closure of my credit card account. Despite this, I still have a significant balance with them, and they continue to collect payments. However, due to the closure of my account, I now have an outstanding balance without any available credit. As a result, my credit utilization has increased, negatively impacting my credit score. I believe it would be fair for the account to be frozen rather than closed until the balance is completely paid off, especially considering the circumstances were beyond my control. Why should the customer be affected by the situation between the two companies? 

I seek assistance in resolving this matter and restoring my credit standing.
Consumer complaint received 2022-10-07
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 2021-07-24
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: EQUIFAX, INC. (PA)

Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer.

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX
Consumer complaint received 2021-07-24
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: Experian Information Solutions Inc. (PA)

Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer.

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # XXXX
Consumer complaint received 2017-10-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OH)

I was under a mortgage Modification with Wells Fargo. I follow the payment plan and all payments were made on time. Wells Fargo reported my payment as 60 days late to all credit bureaus. I called Wells Fargo about the error and they refused to correct it. I disputed the reporting to the credit bureaus and they reported that Wells Fargo refused to correct this error. In XXXX XXXX I received a letter from Wells Fargo stating they found this error. This error caused my refi with XXXX XXXX XXXX to be declined. 
This cost me thousands of dollars in higher interest. Wells Fargo did this to keep my loan with their company.
Consumer complaint received 2015-06-04
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (DC)

I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.
Consumer complaint received 2022-12-01
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. (GA)

I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

This is my third complaint against Citibank. I'm disputing {$1500.00} ATM withdrawal that was done on my son 's debit card after he lost his debit card. This transaction is fraudulent and we don't know who did it and we're disputing this transaction. Also the {$4700.00} wire fraud. 

Also I filed 2 previous CFPB complaints regarding this disputes. This bank is XXXX and prejudice. Their last response to complaint XXXX, " In addition, on XX/XX/XXXX, XXXX sent you a letter requesting an affidavit, statements, or an unauthorized use ( SUU ) form. If you have not done so already, please respond to the letter from our XXXX team and provide the documents requested as soon as possible ''. 

How did they send it as it's XX/XX/XXXX, I'm signed up for informed delivery by USPS and you'll see they never sent it it's a motive to make us pay for something we didn't do we are the victims. This bank should be investigated for XXXX discrimination and XXXX profiling. I'm going to attach my son 's picture and I want them to verify it was him that made the deposits of the fraudulent checks and withdrawing the {$1500.00} cash from the ATM.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

On XX/XX/2021 at approximately XXXX someone added themselves to my cashapp account gaining access to my bank account that was linked to the card. They then begin making several transactions up until approximately XXXX. I was unaware of the unauthorized transactions until I received a message. I contacted my bank and was instructed because it was {$1600.00} dollars pending that I needed to contact cashapp to dispute the transactions. I reached out to cashapp and was told that my account would be under review. The person withdrawal all my money from my bank account by sending and receiving transactions on my cashapp. Between {$5700.00} was declined and recieved. {$4000.00} dollars total was taken.
Consumer complaint received 2023-09-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OK)

On XX/XX/XXXX used my XXXX XXXX XXXX account to send money to cash app to pay for a riding lawn mower for the total amount XXXX . So the XXXX I sent XXXX On the XXXX I did the same thing XXXX and a couple days later sent XXXX it is now XX/XX/XXXX I have yet to receive the riding mower... On XX/XX/XXXX I filed a dispute with cash app and XXXX XXXX, with in 24 hrs both cash app and XXXX XXXX closed the disputes. With no investigation or anything. So I'm just out the XXXX $? That just doesn't seem ok.
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX XXXX, XXXX  XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional XXXX is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report. 

I, XXXX XXXX XXXX Never gave XXXX any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts. 

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX XXXX {$2500.00} OPENED XX/XX/XXXX 5. XXXX XXXX XXXX XXXX BANK XXXX XXXX OPENED XX/XX/XXXX 6. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. XXXX XXXX {$0.00} XX/XX/XXXX 16 A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.
Consumer complaint received 2022-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 accounts and inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/2021
Consumer complaint received 2021-09-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.
Consumer complaint received 2022-10-07
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. (LA)

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.