davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Credit reporting 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)

I did not give expressed written consent to or authorized any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy. Please be reminded, no consent is identity theft. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 4. XXXX XXXX XXXX. I've requested that the company send me a letter giving permission to report this to my credit profile according to pursuant 10 15 USC 1681-C 2 and they have failed to so. I demand that these accounts be removed promptly from my credit profile within 4 business days. Thank you for your timely compliance.
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. (TX)

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}
Consumer complaint received 2022-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MS)

XX/XX/2022 a fraudulent charge hit my account of {$2900.00}. Before this occurred I received an email stating someone had logged into my account password and changed my phone number number out of XXXX, Colorado.. I immediately called the bank and by the time I went through automation and spoke with someone the charge had hit my account.. Chime explained I would have to call back once the charge settled. I called back Friday to file dispute. Not even seven hours later they closed my dispute stating the transaction was not suspicious. I filed a police report here locally and in XXXX, Colorado Police Dept and spoke with store manager of XXXX XXXX where the transaction occured. Everyone except Chime financial is doing there part to help. I have worked so unbelievably hard for that money and when someone steals my bank information and makes a purchase in a state I've never been. Chime declines me and refuses to do their part. I was XXXX. police report was filed with both states LA XXXX CO XXXX
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)

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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$8300.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00XXXX XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Balance {$10000.00XXXX XXXX XXXX, XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying get XXXX, XXXX and Transunion to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Consumer complaint received 2022-03-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX/XXXX/2022, I mailed out a letter to TransUnion informing them of how they are in current violation of 15 USC 1681i ( 5 ) and 15 USC 1681e. I have also requested for them to remove all outdated and inaccurate personal information. They have failed to remove these inaccurate items from my consumer report and they are currently stalling by excusing me of not being the one who is demanding them the removal of these inaccurate accounts. They also have not updated my personal information to reflect, what I said is accurate. I received a letter from TransUnion that was issued on XX/XX/2022 that not only accused me of not being who I was, but also ignoring the fact that I have requested for the removal of these accounts that are currently tarnishing my reputation and diminishing my confidence in the banking system as TransUnion is willfully violating the FCRA. They have exceeded the time frame of 30 days to provide me with an investigation response so instead, they have sent over this letter.
Consumer complaint received 2021-10-08
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: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX amount {$530.00} opened XX/XX/XXXX closed XX/XX/XXXX Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX amount {$520.00} opened XX/XX/XXXX closed 90 days later Acct # XXXX LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX. amount {$770.00} opened XX/XX/XXXX closed 90 days later due to non payment Acct # XXXX
Consumer complaint received 2022-07-19
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)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX 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 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I found 2 charges totaling {$480.00} on XX/XX/year> for a hotel in XXXX through an online booking site called XXXX I immediately disputed this charge and requested a new credit card. These charges are absolutely not mine. I've never used that site and definitely didn't book a hotel those days. I can prove I was busy at work. BofA gave me credit for the charges and did their investigation. A month later they put the charges back on my card saying it was not fraud. All they showed was some documentation showing a check in at a hotel with no proof of ID showing, no signature and nothing else to show it was me. I immediately changed my passwords on everything I had and checked my credit report because someone obviously got my card info and address. I don't know if it was a website being hacked or what, but I know it is common and I've never even filed a fraud claim before so I don't know why they would keep insisting it was me. I've had this account for almost 8 years and consistently use it for everything and pay it off in full each month. I have filed 3 requests for review with bank of america and they continue to push that it was a legit charge
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Afterpay US Services, LLC (CA)

A company by the name of XXXX attempted to collect money from me by requesting my debit card number. Impersonating Afterpay, A pay in four payments company. They were attempting to collect an amount more than what I owe.
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I attempted to transfer money out of my Venmo account to my bank account and was sent an email which stated my money would be available in my bank account the next day. Not even an hour later I received an additional email stating that I would not receive my XXXX that in fact they were freezing my account and I could not get MY OWN money. They said I violated some user agreement. Since Thursday the XXXX Ive been in contact with Venmo provided multiple ways of verifying my identity including my drivers license bank statements as well as my debit card information and yet they still refuse to give me access to my own money. They are holding my money XXXX. Ive repeatedly stated that I will never use Venmo again its horrible and disgusting and all I want is for my money to be transferred to my bank and then they can go ahead and deactivate my account. They are also refusing to do that as well.
Consumer complaint received 2015-07-04
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (FL)

Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank has failed to resolve an online banking issue. Currently I have no access to my loan account through its online services ( website or app ). I was able to create a user ID and password but after signing on no accounts are viewable. I have sat on hold with customer service for hours and been transferred back and forth between the loan dept and online banking dept. one representative told me they would have the issue corrected and that he would follow up with me. That did not happen. I then visited the closest branch and was told by a banker and branch manager that would work to have the issue resolved. It has been months now with no resolution and no follow up. I am always the one seeking out answers from Citizens Bank and no one has been able to solve the issue of seeing my loan account online.
Consumer complaint received 2022-01-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I applied for an XXXX  refi loan designed for veterans struggling to make mortgage payments. I was told by a rocket loan officer I was denied because I was thirty days late for my XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. I submitted a statement to verify the dates my pay meant were received. The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX, and The XXXX PAYMENT WAS received BY XXXX XX/XX/XXXX. 
Initially, the loan officer, stated I qualified and set the loan up for an appraisal and loan estimate Dated XX/XX/XXXX, and the first payment would be due, in XXXX, XXXX. 
My initial loan officer wasn't available from XX/XX/XXXX, to the present time. My XXXX  was at least XXXX in XXXX. It started dropping because Rocket Mortgage for some reason was holding up the process, so I started applying with other mortgage companies. 
The purpose of the XXXX program is to help a Veteran get back on their feet, I'm now in the desperate position I was before I applied because I was led to believe I had the refi loan. I have never been 30 days late on a payment at any time. 
ROCKET  JUST LOCKED ME OUT OF MY ONLINE ACCOUNT, I CAN'T DOWNLOAD ANY RELEVANT DOCUMENTS
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MA)

I mailed a payment check for {$11000.00} to Barclays Bank to payoff a credit card balance on XX/XX/XXXX. The check was sent in with the payment coupon to the address on the coupon, and the last four digits of the account were printed on the memo line. I have a copy of the canceled check that was cashed by Barclays on XX/XX/XXXX. Barclays has not posted this payment to my account. I contacted Barclays several times and was told they would research the payment and contact me with a resolution. They were able to confirm that they received and deposited a check for {$11000.00}, but have no idea what account it went into. To date, there has been no resolution and I am forced to continue making monthly payments on a balance that I have payed off. 

I contacted Barclays on following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No one has ever contacted me to ask for any documents related to this issue, not even a copy of the cancelled check that was deposited into a XXXX XXXX account assigned to Barclays .
Consumer complaint received 2017-03-31
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP (TX)

Security Finance sent me a settlement letter in the mail stating that if I paid XXXX by XX/XX/2017 that they would consider my debt paid in full and notify each credit bureau that my debt was indeed paid in full and they failed to honor that agreement.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

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
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AR)

on XXXX the XXXX morning a representive from the office called me asking me about my rent. I told them I get paid on Thursday on the XXXX of XXXX ; thats when my lease up. I paid them then and I also ask the Secretary can shes ask XXXX XXXX the apartment manager to call me so I can ask about month to month payment because I didnt get the house because I had a old truck payment and since they close the office from COVID and she said she will. So the next morning the secretary call me back and said that I couldnt do month to month payment because I sign an agreement .I wrote that Ill be buying a house on this date and not signing my lease over and plus she already had a tenant moving in soon and they have to come in and clean the apartment. The next morning XXXX XXXX XXXX called said, that they will have someone to escort me and my XXXX daughter from the property along with my things if we are not out today. My daughter was XXXX at the time that we have to move out, now even tho my lease is up on the XXXX. well, I told her I didnt have anywhere else to go. She told me Im not obligated to stay there. I had to move out now. During that time I had to leave work early find some movers, get a XXXX, thank God for church members, family, make arrangements to turn my lights off, and find friends. I had to pay to get out soon and pay the movers. I was pregnant and had a XXXX daughter with me and loss of pay from my employer downsizing, I cleaned the apartment left nothing. When I was done loading up my truck the cop ; my neighbor said you're moving out. Im like no they are kicking me out after 3 years he told me they are not supposed to do that due to laws enacted for renters due to the pandemic and that I should not have taken my stuff out because they are not supposed to put anyone out during COVID. I was afraid my things would be put outdoors after the threat I received from the leasing office. They were horrible. I told him what was I supposed to do when my door be open every time I get home from work. He was in shock as I was -nobody has my key so who else come in there and unlock the door and leave it. So he told me that I can stay in his daughter 's room. And XXXX be at work all night so you will be safe here because he didnt want me to sleep on the floor. All that night I was calling last min family to see who house I can stay in. I thought the situation was over until I noticed a debt of {$2400.00} from The XXXX apartments. I was shocked to see the amount and what the charges are for. The charges that XXXX has listed in the collection with XXXX XXXX are inaccurate. The only fee I should have is {$300.00}. I was harassed in front of my daughter, mistreated then charged with bogus charges. I lived on this property for 3 years and I never negated my financial responsibility. I am struggling since COVID with my wages drastically reduced and I just want to be treated fairly.
Consumer complaint received 2022-08-03
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as erroneous and incorrect information. Please conduct another investigation to the information and send me the notification that the disputed account has been updated. 

XXXX XXXX XXXX XXXX XXXXXXXX Late Date XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Employers : XXXX XXXX XXXX, NJ, Listed below are the Accounts that are being challenged XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Payment {$630.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX Late Payment {$1400.00} XXXX XXXX XXXX XXXX Late Payment {$1100.00} XXXX XXXX XXXX XXXX Late Payment {$20.00} XXXXA XXXX Late Payment {$120.00} XXXX XXXX XXXXXXXX Late Payment {$520.00} XXXX XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXX XXXX XXXXXXXX Late Payment {$95.00} XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Collection {$2000.00} XXXX XXXXXXXX Collection {$460.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$460.00} XXXX XXXX Original Creditor : XXXX XXXX NJ XXXX Collection {$1500.00} XXXX XXXX XXXX Charge-off {$1100.00} XXXX XXXXXXXX Charge-off {$2400.00} XXXX XXXX XXXX XXXXXXXX Charge-off {$0.00} XXXX XXXX XXXX Charge-off {$0.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX