davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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 an account without my written instructions. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.
Consumer complaint received 2024-09-12
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. (PA)

15 U.S. Code 1666b 15 U.S. Code 1692 15 U.S. Code 1692 I am writing to dispute the late payments reported on my credit report for the account with XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX. According to the law 15 USC 1666b ( a ), a creditor may not treat a payment as late unless they have adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have never received the periodic statement along with the disclosures required by section 1637 ( b ) of the Consumer Credit Protection Act from XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX Despite requesting proof that this information was sent to me at least 21 days before the payment due date, These companies failed to provide such evidence. 
As per Rule 1002, I have requested this information in good faith and it is the responsibility of the creditor to provide evidence of compliance with the law. Since XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX l Individual Date opened XX/XX/XXXX has failed to provide this evidence, I kindly request that the late payments be removed from my credit report. 
I would appreciate it if you could investigate this matter and update my credit report accordingly. 
Thank you for your attention to this matter.
Consumer complaint received 2022-07-27
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. (AL)

I DID NOT AUTHORIZED THESE INQUIRIES 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
Consumer complaint received 2020-05-22
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. (AR)

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify  accurate information these accounts must be removed in accordance to the law.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (AL)

I HAVE SENT OVER SEVERAL DOCUMENTS OF REMOVING ACCOUNTS THAT HAVE BEEN NO LONGER TO REPORT ON MY CREDIT REPORT, NO ACCOUNTS SHOULD BE REPORTING ALSO I HAVE TRIED TO REACH OUT TO REMOVE UN AUTHORIZE INQUIRES.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

To whom this may concern : In XX/XX/year> Synchrony Bank lowered credit limits and then ultimately closed 2 active retail cards ( Sweet water Sound and Lowes retail cards ) that were in good standing. There were no changes in my credit profile or employment status to justify them to lower limits and close them. 

2 charge offs were reported to the credit bureaus which tremendously lowered my scores and credit worthiness. I paid off all balances of closed accounts in full. Synchrony Bank reported them as " Charge Off Pays as Agree ''. I've made numerous attempts to get them to rectify this issue which is affecting my purchasing power for loan accruement such as Mortgages, Auto loans, loan for my daughters wedding etc. From my research Synchrony Bank is notorious for closing active accounts in good standing.
Consumer complaint received 2020-05-22
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. (FL)

My Name is XXXX XXXX Todays Date is XXXX XXXX And Im The Only One Involved in this CFPB complaint and FTC Report Number Is XXXX TransUnion Block Me From Viewing My Report Online, I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called TransUnion Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With TransUnion..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called TransUnion Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way TransUnion Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report XXXX XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST (CA)

LAST 4 WEEKS I HAVE PROBLEM TO USE MY BANK OF THE WEST MASTER CARD. 
I TRYED TO CALL MY BANK ALMOST 15 TIMES IN 4 WEEKS. 
THEY CHANGED CARD, BUT IT DOES NOT WORKING ANYWAY AND NO ONE CAN HELP ME IN BANK TO RESOLVE ISSUE. 
I ALWAYS HERE SAME FROM THEM CARD IS GOOD MY BALANCE IS XXXX AND I CAN USE THATCARD.
Consumer complaint received 2022-07-27
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)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Consumer complaint received 2020-05-22
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: AMERICAN HONDA FINANCE CORP (LA)

I have filed a dispute in regards with the incorrect items on my credit report. It has been well over 30 days & I havent received any investigation results.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2022, between the hours of XXXX EST. I used the XXXX XXXX ATM machine located at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX. I made XXXX separate transactions that totaled {$2000.00} dollars. The funds were posted to my account on XX/XX/2022. However, they only posted funds in the amount of {$1700.00}. Navy Federal Credit Union confirmed XXXX transactions. Transaction # XXXX. In the amount of {$740.00} dollars, Transaction # XXXX. In the amount of {$700.00} dollars, and Transaction # XXXX. In the amount of {$280.00} dollars. One single deposit transaction is missing. A single deposit in the amount of {$300.00} dollars was not posted to my account. I have contacted XXXX XXXX regarding this missing deposit, and they keep telling me about the posting date of XX/XX/2022. I have requested a transaction history for XX/XX/2022. I know that whenever I use my debit card the transaction date should be reflected on the account as well as the posting date because in some cases the dates may be different. I have received conflicting information about the transaction dates. First, I was advised that the cash deposit date was on XXXX XXXXXXXX XXXX and after I questioned them about why the cash deposit had not posted the same day because it was deposited that morning, I was later advised that the deposit was on XX/XX/2022. I do not believe my dispute was thoroughly investigated and I would like to know what happened to the missing deposit. There's a surveillance camera on the building and it's aimed directly at the atm machine that I used. I would like to request an investigation to review the surveillance and confirm the ACTUAL DATE OF DEPOSIT ( NOT THE POSTING DATE ) and the number of deposits shown. I am demanding that Navy Federal Credit Union investigate this complaint and correct any errors made to my account regarding this issue.
Consumer complaint received 2022-07-27
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)

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00}
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My father recently passed away and both my mother and myself have been dealing with Bank of America and have had a terrible experience. My mother had submitted my dads death certificate for her checking and savings account and then asked for both my sister and myself to be listed as co-owners in the case that anything happen to her so that we can easily pay her bills and have access to her funds. On multiple occasions my mother reiceved incorrect information that was VERY unclear. They had advised my XXXX year old mother to come into the branch during Covid numerious times and were sending her to different branches as either they were suddently closed or had no appointments. The banks policy is to have all three of us in a respecitve branch in the different cities we live in at the exact same time again all during COVID to make this happen. No exceptions were to be made. After we had finally coordinated this in the branches and submitted the paperwork that was needed, my mother recieved her check book incorrect and MY ATM card at her address. After my mother being extremely upset that she has no checks to use to now pay her bills, she asked me to make yet another appointment to go back to the branch again ALL during covid. Now after multiple attempts on Bank of America 's website every branch that i tried is now saying they are no longer taking appointments. So now she has no access to her funds as her checks are incorrect as the owner of her account has been switched from herself to me AND she is unable to locate a branch that is taking customers. How can these branches close whenever they feel like however ask my XXXX mother to drive all over Florida to find one that is open to then get incorrect information. Something needs to be done, BofA has TERRIBLE customer service.
Consumer complaint received 2022-07-27
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions XXXX  XXXX XXXX XXXX {$1100.00}, XXXX XXXX {$9400.00}, XXXX XXXX {$10000.00}, Department of Education {$5300.00}, XXXX XXXX XXXX XXXX {$270.00}, XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX {$640.00}
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The loan was paid in full through wage garnishment. I received the title to my truck a couple of months after the amount owed was paid. Instead of my credit report stating the loan was paid in full, it states that the account was closed with the remaining balance charged off as bad debt / profit and loss write-off. This was the case on XXXX as well but it was corrected after I submitted a dispute. There was no change after my dispute with Transunion. I have my copy of the loan agreement, the wage garnishment, and the receipt showing the balance was paid in full. The company is XXXX XXXX XXXX   XXXX, and the account was closed XX/XX/XXXX. A balance of {$260.00} was last reported on XX/XX/ 2020.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

my name is XXXX XXXX XXXX XXXX social security # XXXX i am a victim of identity theft all credit cos we're already informed & and given police reports including XXXX in XXXX Minnesota state abbreviation MN please adjust my XXXX XXXX to a normal-perfect XXXX XXXX XXXX or better please please clear my credit report to a new credit report social security XXXX XXXX XXXX requested after contacting your agency to get a new driver 's license number # and & to get a new social security number please process my request right away please i unlocked my credit on XXXX XX/XX/2021 thank u XXXX XXXX XXXX was notified new address XXXX XXXX XXXX XXXX MA XXXX and & XXXX XXXX XXXX XXXX MA XXXX thank u
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX SERV Account Number : XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (MD)

I did not authorize anyone employed by these companies to view my credit or agreed to be in a contract with them in which I would owe any money to this company Or firm. 
report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 6ll.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the night of XX/XX/22, I was likely drugged  because I woke up in my hotel room the next day not remembering what had happened. My friend said that I was missing the night before for about an hour but I couldnt remember anything. I then discovered that my phone was missing, but still had my wallet. A little later, I discovered that my drivers license, one credit card, and one debit card were taken. One credit card remained in the wallet. The theft took my Bank of America Debit card and used as the following below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XX/XX/22 {$200.00} XXXX XXXX  XXXX XXXX, XXXX, LA XX/XX/22 {$800.00} XXXX XXXX XXXX LA XX/XX/22 {$4.00} XXXX XXXX XXXX LA XX/XX/22 {$1000.00} XXXXXXXX XXXX XXXX, CA XX/XX/22 {$1200.00} XXXX XXXX XXXX, CA XX/XX/22 {$1500.00} Bank of American stated that they will give me temporary credit while they investigate, which they never did for the 2 transactions for XXXX XXXX. Later, they then took back rest of the temporary credit for the other 4 transactions. 

I already told them in the beginning that I was a victim of identity theft and provided them with the police report, and also filed a report with the FTC, which they still rejected my claims, for which I am filing a complain.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-21
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. (SC)

This collection was disputed and removed then placed back on my account. This collection was removed because i did not owe XXXX this debt and they couldn't provide the information to placed this alleged debt on me. This collection must be removed from my credit report immediately for it is in violation. I also provided the letter saying that they will removed the collection.
Consumer complaint received 2024-10-10
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. (NC)

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 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights.