davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
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. (VA)

I have an account that is reporting wrong and incorrect information. Unfortunately, and too much dismay, I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account is from XXXX XXXX with the account number XXXX is reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment TransUnion is BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account immediately. 1. XXXX XXXX with the account number XXXX
Consumer complaint received 2022-09-23
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I was impacted by covid. I have called many times about the credit reporting and to discuss the cares act and the agents are refusing to help me and They keep hanging up in my face.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CO)

I opened an Apple XXXX Credit card and it seems very unfair for an older person to have to text issues, if is VERY difficult to get a person to talk to and they will not mail paper statements. Seems unfair.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I deposited XXXX checks to broker XXXX XXXX of XXXX, NJ to invest in XXXX investments. XXXX check # XXXX for {$29000.00} was drawn on XXXX XXXX  and was paid out. XXXX checks were drawn on Bank of America from my personal account Check # XXXX for {$45000.00} and the other from my nonprofit account ( approved by the IRS ) Check # XXXX for {$16000.00}. The first check # XXXX has been paid out in full and was credited with XXXX investments. Check # XXXX has vanished without a trace and Bank of America has no explanation now. Some time elapsed as my wife passed away in XXXX and all the money operators knew she was getting dues from various sources. I needed time to recover and regroup when I noticed the discrepancy about a month ago. The new XXXX at BOA has given a copy of the endorsement of the back of check # XXXX that XXXX sent the check for collection. But I did not see the amount reflected in the annual return for XXXX or XXXX. Moreover, XXXX XXXX is lying to me saying I stopped payment on the check. Then saying the check was sent back to me XXXXUSPS both XXXX on XXXX different occasions. I didn't ever receive a returned check # XXXX. And it had hit the bank already as evidenced from the back of the check. BOA now knows I didn't stop payment because there is no record of a stop payment or no funds in the account. To date, the new XXXX has had no answer. I further recall I had a falling out with the old officials of BOA for not paying a bonus on one of the term deposit accounts in XXXX XXXX. The email exchange between the BOA officials and myself shows this is exactly the time check # XXXX vanished without giving me the benefit of the deposit which was made by XXXX XXXX. No photo copy of check # XXXX could be retrieved from anywhere.
Consumer complaint received 2022-12-04
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. (VA)

They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

I am writing to file a complaint with Consumer financial Protection Bureau ( CFPB ) regarding a charge off account that remain on my credit report despite multiple attempts to correct the information. Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S.C. 3711 ( e ) by performing any of the following conduct, administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial again. I have sent letters to the credit reporting agencies, I have also sent out letters to the creditor disputing the charge off account. Despite my efforts the charge off remain on my credit report, damaging my credit score with forethought and malice as a means of harming me and my financial reputation. 15 USC 1605 ( a ) 5. The insurance policy its built in the finance charge when the account went into default was there insurance collected on it. Im requesting your errors and omissions insurance number can u provide that for me. JPMCB - XXXX
Consumer complaint received 2023-11-11
Product: Credit reporting 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)

These creditors have violated my rights under 15 USC 1681 Section 602 as per the Fair Credit Reporting Act. In accordance with 15 USC 1681 Section 604a Section 2, I have the right to privacy. I also have the right to demand that a consumer reporting agency furnish the agency with an account only if I provide notice in writing ( 15 USC 1666b ). A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (MI)

in accordance with the fair credit reporting act XXXX experian, and XXXX has violated my rights. 

15 u.s.c 1681 sectiom 602 a. states i have the right to privacy.

15 u.s.c. 1681 sectiom 604 a section 2 ; states that a consumer agency can not furnish a account without my written instructions.

15 u.s.c 1666b : a creditor may not treat a payment on a credit card account under an ope end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-23
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: FIRST NATIONAL BANK OF OMAHA (CA)

I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-13
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: Resurgent Capital Services L.P. (OH)

In accordance with fair credit reporting act LVNV FUNDING LLC XXXX # XXXX has voilated my rights. 

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

15 U.S.C 1681 section 604 A section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I as the original creditor, the banks did not give me any notice that i can rescind or let me know we have the option to not let them report this on my credit report neither. 15 usc 6802 ( a ) opt out general a b & c. By law, insurance supposed to be included in all mortgages and car loans, 15 usc 1605 ( a ) # 5. Its against the law for banks to lend its credits anyway. Farmers & miners bank v. Bluefield Nat 'l bank 11 f 2d 83, 271 us 669. Their are many more violations. The banks have been getting away with it far too long now & they think we the consumers wont catch up with their financial fraud schemes. It's called promissory fraud. There is no money : read hJr 192. Every bill you get comes in a positive. They owe you when its in a negative. Everything is already paid for before you even signed anything. What they doing is illegal under art 1, sec 10, par 1 of the constitution. Their fraud makes the signature agreement null & void period. Fraud trumps any contract. And where is the banks signature? 

i never got the two copies of the rights i have so this is fraud. i am contacting the bank and gathering evidence for possible litigation. 

12 CFR 226.15 - Right of rescission. i after sending you notice of Rescission will discontinue to make payments of the car. if this car is not removed from my credit report i will seek remedy for damages. i never gave Permissible purposes 15 U.S. Code 1681b - Permissible purposes of consumer reports to disclose any of this information on my credit report. there are many violations. 

i will be sending formal letters certified mail.
Consumer complaint received 2022-08-13
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: Experian Information Solutions Inc. (LA)

I went to a dealership and they said they wouldnt do any hard inquiries but they would be eligible to show me my credit without it affecting me in the long run. 

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
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attached an FTC report for you to finally make efforts on removing these accounts that are affecting negatively me and my future. Because of these inaccuracy, I am having a hard time keeping up with others because of my financial state.
Consumer complaint received 2023-03-30
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. (CA)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Im confused about how they can provide a report to a creditor and not to me and after I reported XXXX for this role in allowing consumers to financially be attAcked and harmed I've received varying denial letters it changed from suspicious activity on SSN to not being able to identify my SSN and how much more damage are they going to be allowed to do before they are held accountable and forced to make any information they provide accessible with clear definitions of their status on consumers and how to correct it when it's wrong in a timely manner not et them continue to cause financial harm i attached today 's new status they are reporting they purposely are harming and keeping me from any financial help i request. Causing financial harm i can not explain the magnitude
Consumer complaint received 2022-09-23
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. (CA)

I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.
Consumer complaint received 2022-07-18
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Duvera Billing Services, LLC (GA)

This company is fraudulent. I was to be able to pay off balances within three months like cash. Due to a. XXXX  issue and loss of card 1 payment did not go through. One I realized, I immediately called and made payment. Then I called to pay in full and realized my balance was more than I borrowed? How is that possible. Now I am still getting billed after paying the remaining balance in full to be done with this fraudulent company. I borrowed {$2500.00} and have made payments every month since. See attached.
Consumer complaint received 2022-09-23
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. (VA)

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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 2023-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Opened new accounts with Truist Bank at the end of XX/XX/XXXX. Important information, have had a good standing with SunTrust since XX/XX/XXXX, and have experienced many changes resulting from the consolidation of BB & T and SunTrust into Truist. My pain point is that Truist no longer markets the type of legacy accounts that came from SunTrust, however, they maintain them. I had the need to open new individual accounts and keep my existing 20+-year-old accounts open, but the customer service area is not able to provide ANY information to me about how to avoid maintenance fees or the interest rate structure ( what are the bands of deposits required to receive certain rates? ) on the grandfathered accounts. Additionally, this information is not disclosed in their online banking " about your account '' area. So, here I am. A customer in the dark about how to reasonably avoid maintenance fees. 
For the new accounts that I opened, the associate in customer service can not provide me with interest information about my money market account. I have the knowledge that this information is necessary for me to avoid fees and loss of income from interest, so I have the onus to look outside Truist for my banking needs. I feel like that is unfair to other customers, who may not know that this information is required. It is exhausting for banks to use a process that causes a customer to be passed from associate to associate, never finding an answer, thus causing the customer to just give up after spending hours of their time, to end with no resolution/solid answer to their questions. I'm sure the bank thinks it's acting very efficiently by expecting no one in its employ to be an expert on how its accounts function, but these are not complicated questions I have asked.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.