davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted all three credit agencies. They are in possession of the original police report, notarized FTC identity theft documentation ( XXXX XXXX and they are now have the most recent police report XXXX that the local PD said I should not be subject to filing ) along with the required FTC report for XXXX XXXX XXXX. Prior to XX/XX/XXXX there was no address of XXXX XXXX listed on my credit report. I have never lived there, never authorized any one to use my name to live at said address. This erroneous address and file continue to victimize me and my credit. I have been told that I need to provide ID to block said FRAUD. Why would I need to provide ID to either the Credit agencies whom will pass this information over to any reporting agency asking for it and allow them to validate a debt that is not mine. IT IS FRAUD for the credit companies to create this monetary reporting systems and they are apart of the reporting error. TransUNION does not show the collection on my credit report from my login portal. However on yesterday XX/XX/XXXX when I called the representative verified there was a collection however it was not visible to me. I requested to dispute the information. he confirmed they had the police report etc. XXXX XXXX XXXX  is being assisted by the credit agency to ruin my stellar payment history and rating. XXXX, Transunion & XXXX  has continued to ask for PHOTO ID, pay stubs, insurance card and a list of others things to so called verify identity. There is a small disclosure that states " the information provided to Credit reporting agencies will be shared with the collections agency. '' According to the Dept of Justice there are some practices here that are not being governed and allowed to continue without the companies being held accountable
Consumer complaint received 2017-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BB&T CORPORATION (AL)

I maintain a separate account for my bills ; this account also has an overdraft protection account ( OPA ). On XX/XX/XXXX, my account balance was {$0.00} and the available balance in the OPA was in excess of {$300.00}. On the night of XX/XX/XXXX I had an ACH debit in the amount of {$36.00} which overdrew my account ; however, should have been easily covered by my OPA. Instead, this transaction was not covered by OPA and was assessed a NSF fee of {$36.00}. Subsequently, on XX/XX/XXXX, I had a credit of {$450.00} in addition to a debit for {$380.00} the same day. Since the transaction on the XX/XX/XXXX resulted in my account being negative {$72.00} ( {$36.00} plus {$36.00} ) the additional credit and debit ultimately resulted in my account being overdrawn {$2.00} which again resulted in an NSF of {$36.00}. 

I contacted BB & T to question why the ODA did not cover the {$36.00} on XX/XX/XXXX. According to the representative, XXXX, the amount of pending bill pay transactions ( which were to be debited from my account on XX/XX/XXXX ) were on " hold '' which then prevented the ODA to cover the transactions. I explained that although the funds were on " hold '' they were not scheduled to be debited from my account under XX/XX/XXXX which at that time there would have been sufficient funds in the account. XXXX explained that a 'hold ' is placed on the account for pending bill pay transactions once the transactions are in the " processing '' status, which is completely different and will negatively affect hundreds of thousands 'grandfathered ' clients. 

NOTE : I, the consumer, has not knowingly been notified of any changes to the BBT bill pay system or the manner in which transactions will be held/handled from the processing to paid status through BB & T 's bill pay. 

XXXX offered to reach out to the IT department when I questioned if there had been a change to the way their bill pay services worked. XXXX stated that the IT tech said that they have converted accounts from past mergers/acquisitions to BB & T 's bill pay system. I was not notified of the conversion and the impact/difference between the two bill pay systems.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX I agreed to pay {$5000.00} for XXXX  XXXX and an elective implant. It consists of several XXXX  over many months. In XXXX covid lockdowns began and under advice from my dentist they said to cancel the XXXX XXXX  part, which is a majority of the process. I cancelled the XXXX  and agreed to pay for the completed procedures, about {$1400.00}. The XXXX XXXX refused to cancel the XXXX XXXX  and cited the contract as non cancel able on my American Express credit card. 
I tried to get American Express to cancel the XXXX XXXX XXXX and they also refused, backing up the XXXX XXXX. 
American Express sued me for {$3600.00}, which I refused to pay. 
We went to trial and the American Express lawyer obtained a summary judgement before the court date. 
My credit has been ruined and now they are trying to collect using debt collectors.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America charged me {$30.00} to stop payment on a {$45.00} check to the XXXX XXXX XXXX. This is outrageous. I don't mind paying a {$10.00} stop payment fee, for example, but to charge me {$30.00} on a {$45.00} check is OBSCENE! 

Furthermore, I have overdraft protection and yet the Bank of America keeps charging me an overdraft fee of {$35.00}. I have repeatedly complained to the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, New Jersey XXXX but to no avail. This {$35.00} overdraft fee keeps appearing! 

I call all this a rip-off! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX ( ret )
Consumer complaint received 2023-06-07
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. (CA)

I submitted a letter to the 3 Credit Bureaus lastXX/XX/2023, 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 XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX -.
Consumer complaint received 2020-11-10
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. (GA)

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (FL)

In early XXXX I requested copy of my credit report. CRA snail mailed me a link to open report online. Opened link, reviewed report found numerous errors. Contacted CRA and spoke with rep on fone, detailed errors. About one month later received correspondence from CRA that certain of the erroneous information had been deleted. Said correspondence included a link to review " corrected report '' Link did not work. Contacted CRA. CRA agreed link was faulty and promised to re-send a new link. Several weeks later received another snail mail letter containing yet another link. This link too was faulty. 
Contacted CRA again. CRA again agreed the link was indeed faulty. CRA agreed to overnight a hard copy of my report so that I could review my " corrected report '' Never received promised overnight letter containing report. CRA offered a case number for this request to-wit : XXXX. Re-contacted CRA on XX/XX/21. CRA now claims my file and report are " lost '' and can not be retrieved. Attempted to contact Lexis/Nexis corporate as the customer service people, while polite, are worthless. Unfortunately, Lexis/Nexis corporate is totally incognito and can not be reached. All the while, I am assuming that my file continues to be made available to their subscribers containing quite possibly incorrect and potentially libelous information. 
This company needs to account for their shortcomings. I'd recommend that a case be opened by CFPB and that civil money penalties be imposed for their flagrant abuse of the FCRA,
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (FL)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account number # XXXX And US DEPARTMENT OF EDU Account number 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 my written instructions.

Also they do not have any permissible purpose to furnish my person information to any third party 15 UCS 1681b.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion LLC, Failed to Properly Investigate Inquiries they Placed on MY Credit Report. And Then Deleted it When I Demand a Proper Investigation. Causing me to be Denied Credit To Buy My Equipment for my Business. DELETION IS ADMISSION. By Willfully Placing and Deleting Those Inaccurate and Erroneous Inquiries on myCredit Report. I am willing to settle your Civil Liability Damages that I have suffered as a Result of your Violation for {$1000.00} Each!!! Pursuant to FCRA 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ) Should you fail to Settle the matter by tendering Payment in the Amount of {$8000.00} Within 10 Ten Calendar Days Receipt of this Notice and Demand. I will seek Actual Damages Whicever is Greater than {$8000.00}. I will be Attaching the Denial Letters too.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Credit report date : XX/XX/2024. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-11
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. (CA)

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 given reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-04-11
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: Maximus Federal Services, Inc. (TN)

According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've been writing TransUnion for months in an effort to resolve inaccurate information they are reporting on my credit file. It always comes back as " accurate '' or " verified ''. They didn't investigate anything and when asked for the method of verification, they ignored me. Didn't even bother with updating the dispute status to reflect the accounts being disputed. I'm uploading the letters to prove it. My next move is to go to small claims court since TransUnion will not follow the law as it pertains to FCRA. As a federally protected consumer, I know my rights and that I can sue them and win {$1000.00} per violation. I send all letters to them through certified mail with return a receipt so I know they received them and have well documented evidence that they have willfully ignored the law and in doing so have violated my rights as a consumer, which has caused me to be denied credit and pay higher interest on my existing loans. TransUnion 's business model appears to be to profit at the expense of others by furnishing inaccurate or unverified information to banks who request consumer credit reports. The perfect mechanism in which to charge consumers more interest.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from capital one XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Consumer complaint received 2023-03-08
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. (PA)

INACCURATE INFORMATION IN MY CREDIT REPORT. ACCOUNTS : XXXX XXXX XXXX XXXX  {$27000.00} XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Hi, my name is XXXX XXXX and Equifax is reporting a XXXX delinquent account on my credit report and this is not mine. I have filed out 2 FTC reports and have asked Equifax to validate this debt as I believe my identity as to be compromised as I was exposed on the dark web breach of XXXX  and they have yet to respond back to me. They claim to have removed it however, nothing changes to where it gets put right back on with no investigation results being sent to me or explanation on to what this debt is or where it came from. Please see all the following documentation attached.
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

As of XXXX17 ' I made a transfer of {$4300.00} to my Coinbase account. The withdraw was from my XXXX XXXX. Funds, USDT, were transferred using my Bitcoin Address. Copy pasted the BTC Address : XXXX for me to transfer the USDT over to my USD Wallet on Coinbase. The transaction went through but I only received XXXX cents, still pending status, in BTC ( XXXX BTC. ) The transaction is here for anybody to see by clicking the link below. When going on the XXXX website, please copy paste the BTC Address, shown above, to view the current balance. The balance shows the XXXX cents in BTC and the rest of my funds in USDT. The funds are still there but without the Private key I can not access my funds. Coinbase, under their terms and condition, states that the private key is held by them and is not to be handed out due to privacy concerns, to which I understand. However, the address is my address and nobody elses. I understand if I sent the wrong funds to the wrong address and I am asking the for the private keys to the other individuals address, ultimately asking for their bank account information, however this is my account and my wallet so this should be a feasible task for coinbase. I tried another transaction to the same address and my {$10.00} in BTC came to my account without an issue, so I know I still have access to my account.
Public Transaction XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Select Portfolio Servicing, Inc ( SPS ) sent Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
Indicated on the statement was that our monthly payment would increase to {$2100.00} effective with the XX/XX/XXXX payment. Not wanting to see the monthly payment increase by some {$230.00}, we opted to pay the requested shortage amount of {$2400.00}, feeling that our monthly payment would remain the same at {$1900.00}. 
The representative I talked to at SPS ( XXXX ) on XX/XX/XXXX processed the payment of the escrow shortage while on the phone with her. ( XXXX ) XXXX indicated that we must still make the {$2100.00} payment due XX/XX/XXXX " because that payment amount was already in the computer '', AND subsequent payments would increase to some $ XXXX. 
We don't understand 1 ) why we must make the {$2100.00} payment for XX/XX/XXXX and 2 ) why our monthly payment will increase to $ XXXX. Opting to pay in full the requested escrow shortage should leave our monthly payment unchanged at {$1900.00}.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX is reporting an account with a balance and closed, the account was closed by the bank for a negative balance but it was paid. 
Credit Bureau are all showing that the balance is still negative {$140.00}, i have disputed through the Credit Bureaus and the credit union replies that the information was submitted correct at the time and they can not correct the information now.
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Reporting act XXXX XXXXXXXX XXXXaccountNumber XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2023-06-07
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX 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 XXXX XXXX XXXX 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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (CA)

In accordance with the Fair reporting Credit act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a Sec 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.