davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX For XXXXTransUnion/XXXX & Attorney XXXX XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
In your response you state : The information you disputed has been verified as accurate. You must provide documentation as of its accuracy or remove it immediately without prejudice. 
CREDENCE RESOURCE MANAGE ACCT : XXX AMT : {$820.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have accounts with bank of America for long time, I transferred XXXX dollars to my savings account from my checking account for some emergency fund on XX/XX/2021 and the bank took it away from my account without notifying me, i received a letter later and called the XXXX number but the bank employee was very rude so then I made an appointment with the bank staff and went there spent about 3 hours with no solution and left, the bank manager assured me on XX/XX/XXXX that she will follow up but till now I have not heard from them. this is very hurting emotionally and physically, I am chronic XXXX XXXX patient it took me long time to recover. This money was taken because they said once upon a time my husband owned the business which I am not aware of, he does not remember either. This is wrong done but not taken care by the bank.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP (NY)

I have been over paying my monthly mortgage payment due to mid calculations by servicer. This was brought to my attention by servicer while I was having issues with trying to make online payments. Since then I have spoken to XXXX least 10 different supervisors about the adjustments they said they were going to make and nothing gets done the last lie I was told was there is a work order in process and would be straightened out in XXXX XXXX i was told my mortgage will be over 250 dollars cheaper a month and I would be issued a check for all overages. Ive left numerous secure chat messages and have gotten no reply. I then call and explain the whole scenario again and then Im told different stories and empty promises of call backs and any follow through. They are holding money that is not theirs snd i want to press charges for stealing. Im told that they dont know what supervisors ive spoken with because the people that make the notes on my file only use their initials then they promise to correct issues and tell another lie.
Consumer complaint received 2022-07-19
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)

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 I made a purchase at BestBuy for some appliances in the total amount of {$2500.00}. The salesperson called the XXXX XXXX for approval. The sales person on the phone ran my credit and advised I was approved and told me I would have a {$5000.00} limit. I explained that the purchase I was making was a little over {$2500.00}. He then advised that I would have the ability to use it at Best Buy only or as a XXXX at any store. I asked the question " what is the difference in the card '' He then proceeded to tell me that the only difference would be that I would have more buying power outside of BestBuy opposed to only purchasing from BestBuy. I opted for more buying power of course. His next question was if I wanted 12 months or 18 months financing. Again, I opted for the longer period of payment terms, knowing I would pay it off. Now, here we are in XX/XX/2024 and I am paying more on the credit card then the minimum payment in my efforts to get it paid off quickly and I noticed {$38.00} interest charged. I immediately called customer service and questioned the charge and they told me that the promotional only applies to BestBuy purchases. I explained that this was not explained to me and it was even encouraged to have more spending power outside of BestBuy. This is deceptive practice and they are clearly taking advantage of customers to gain interest payments. I want my money returned and I will stop using the card immediately.
Consumer complaint received 2022-07-19
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)

When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

XXXX XXXX XXXX - Date Open XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (MI)

I went to a local store to send my father XXXX through western union in XX/XX/2020. I received a transaction number and receipt. When he went to retrieve the funds the MCTN number was invalid. I contacted Western Union who confirmed an issue with the number and gave us a new transaction number. It still was invalid. I emailed western union who stated the funds are available for a refund and gave me a new transaction number. I was directed to return to the merchant with my photo id and the new transaction number for a refund. When they attempted to look it up, the transaction was invalid. 
I was told I would receive a check in the mail, but I have not, and was told again that the refund is available. 
I have sent numerous emails with out a resolution. Western union has tied up XXXX of my money since XX/XX/2020. All I want is a refund.
Consumer complaint received 2015-06-10
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: General Service Bureau, Inc. (NE)

General Service Bureau sent a collection letter with an amount owed by myself. An additional letter was also sent to my spouse who is not on my account. He is only listed as an emergency contact. 

The General Service Bureau sent the same collection letter addressed only to my husband with the same collection amount. In addition, to sending this letter they also called to speak with him about this debt. Once again, he is not on my health insurance account - nor is he provided access to my health bill information. I have copies of both letters that show XXXX letter is addressed to me for {$190.00}, account # XXXX. The other letter is addressed only to him for {$190.00}, account # XXXX. This is a predatory collection practice that should not be allowed by any collection agency. In addition, sending a collection letter to an unrelated party is illegal. If the procedure or hospital visit I was seen for was not to be disclosed to my spouse this letter could cause a potentially damaging situation.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (IL)

XXXX  XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been grossly violated. There is NO LAW that states that they are required to report derogatory items to a consumer credit report or file and 15 USC 1681s-2 ( 7 ) ( E ) very plainly and clearly states that. These companies do this anyways to coerce and extort you by threatening your financial reputation and causing undue strife and mental anguish preventing me from obtaining credit that it my right and regulated under Federal law!

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by XXXX XXXX before furnishing it. This very clearly shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX  XXXX to furnish any late payments to my consumer report. It is my undoubted belief that due to XXXX XXXX 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), these CRAs literally parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. They have come up with an elaborate scheme to con consumers out of their hard earned money through fraudulent practices and not only is this literally extortion this appears to be racketeering and I intend to file criminal suit against ALL PARTIES involved in what transpired under the RICO act which is punishable by law up to 20 years. I'm a litigious consumer and have no problem exercising my rights to the fullest extent.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

On Monday, XX/XX/2021, I received notice from Ally Bank that there was a restriction on transfers from my savings account. I called, and spoke with a representative, and was told the problem was resolved. On Tuesday, XX/XX/2021, I discovered my account was still restricted. I spoke with Ally again, and the representative told me that she resolved the issue, and I could initiate a transfer of funds. When I tried, the restriction was still on the account. I called a second time on XX/XX/2021, and was told, despite what I had been told in the prior two calls, that the restriction was still in place, and would not be resolved for 1-2 business days. I called a third time on XX/XX/2021, and the loss prevention department refused to speak with me to give me an explanation of the restriction. It is not right that a bank can restrict me from using my funds for two to four days.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LOBEL FINANCIAL CORPORATION (FL)

THIS ACCOUNT WAS OPENED BY FRAUD WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 
LOBEL FINANCIAL SERVICES ACCOUN WITH A BALANCE OF {$27000.00} IS INACCURATE AND FRAUD USE MY INFORMATION TO GET THIS CAR. 

I REQUEST THE DOCUMENTS THAT WERE USED TO OPTAIN THIS GOODS OR DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I am trying to finance a vehicle through XXXX XXXX XXXX. My XX/XX/XXXX credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.
Consumer complaint received 2022-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (FL)

Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies to follow ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account XXXX On XXXX/XXXX/2015 I advised Amex in my letter ( copy attached ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.
Consumer complaint received 2021-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an offer today via email to apply for the Capital One Quicksilver card with {$200.00} bonus and 1.5 % cashback. 

Generally, to receive an invite like this is practically a 99 % chance youll get the card if you apply. 

I received 2 offers from XXXX recently and I applied to one ( the southwest card ) and immediately was approved. 

My credit score is above XXXX with all three credit bureaus and my debt ratio is 3 %. 

This is the third time Capital One has done this to me. To invite me and to deny me a credit card multiple times is a predatory lending move and has damaged my credit card.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (TX)

On XXXX XXXX XXXX XXXX  I received a call from a debt collector alerting me that I'm grossly overdue for a personal loan I took back in XX/XX/XXXX. The financial institution is XXXX XXXX XXXX Based out of Minnesota. While I used to live in the state I was living in Alaska at the time the Loan was pulled. The Way I'm Affiliated with XXXX XXXX XXXX is they used to finance XXXX of my vehicles, a XXXX XXXX XXXX. This auto loan was paid off by a bank called XXXX XXXX XXXX in XXXX put into action by XXXX XXXX XXXX Alaska when I traded my truck in. XXXX XXXX XXXX XXXX paid this pay off by XXXX XXXX The suspect pulled a XXXX $ line of credit through XXXX in my name and immediately made a cash advance of XXXX $ in to XXXX XXXX  saving account. Suspect used this money to pay utility and credit card bills. The address attached to this activity is XXXX XXXX XXXX, XXXX, MN, XXXX. I am in no way shape or form associated with this address. This loan went to collections in XX/XX/XXXX. Now being XX/XX/XXXX not a single payment has been made. The debt collector was looking for a payment from me in the amount of XXXX XXXX The reason this isn't an even XXXX $ is because XXXX garnished my account an took the over payment that was sitting in my savings account. Upon further investigation I've found XXXX different hard inquiry and lines of credit on my credit report that do not match my activity. The debt collector that called me if from a company called Triverity. Since XXXX of XXXX my credit score has dropped XXXX point. I need help asap to freeze my credit.
Consumer complaint received 2022-07-19
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. (LA)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00}