davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Im writing to the FTC in response to continued attempt by XXXX XXXX XXXX XXXX trying to collect a {$220.00} debt from me since XXXX through Sunrise credit collection agency, account number XXXX. This debt has been reported to the three credit reporting agencies and has been and has negatively affected my credit worthiness. This has also caused me a great deal of financial stress. I have repeatedly disputed this debt with all three credit reporting agencies, at some point it was removed from my credit report and just recently XXXX it was placed back on my XXXX credit report and has decreased my credit score once again. I have again disputed this debt and asked for the appropriate verification of this debt from the debXXXX collector XXXX XXXX XXXX and XXXX. 

This account was generated in error on XX/XX/XXXX, during this time I went into the XXXX XXXX XXXX XXXX XXXX and attempted to transfer services on my wireless phone from XXXX to XXXX XXXX XXXX. At that time the representative tried to set up service on my old phone with phone number XXXX and was unable to. I then, had to change my phone and phone number on this date. I currently have a current account with XXXX XXXX XXXX via XXXX XXXX that is current. The account that Im writing about was not cancelled by the representative on the date that I opened the new account and therefore generated a bill that XXXX XXXX XXXX sent to collections. 

I have also made multiple calls to XXXX XXXX XXXX customer support and fraud department and received no results. I received a letter from the XXXX XXXX XXXX XXXX department stating that I owed the debt with no verification on how they came to that conclusion. 

On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ and spoke to a supervisor named XXXX XXXX and she made several calls to their customer retention and fraud department to get them to resolve this issue and was unable to. XXXX XXXX XXXX told both myself and the supervisor XXXX at the store that theyre unable to provide information or make any changes on the account without a passcode that was provided when the account was setup. I do not know any passcode that was setup on this account. However, she told me that the account was an error but for some unknown reason, she was unable to get a printout for me to provide to the collection agency. At that time she also spoke to a representative at Sunrise collection agency and asked him to resolve the account. The representative asked me to call Sunrise credit on Tuesday XXXX, XXXX to see if my account was updated. I called Sunrise credit collections back on Wednesday, XX/XX/XXXX and spoke to XXXX XXXX who reluctantly notified me that he will send out an verification of debt to XXXX XXXX XXXX. 

At this time, this debt has prevented me from obtaining financial investments and is putting financial strain on me and my family. I desperately am asking for assistance in resolving this small but complex debt that is not mine.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2021 I received a text from what I believed to be bank of america asking if I attempted to pay a friend {$3500.00}. I responded No, within a minute a phone number called me XXXX same number on the back of my debit card XXXX ) and said they were with Bank of America Fraud Protection department and to verify that the number they are calling me from matches the number on the back of the card. Which it did. They told me the only way to get my money back was to add myself to XXXX to make a transfer from another account I have in order to file a claim on the account they " took '' money from. I was paranoid, so I followed what they said. After transferring the money we got disconnected. I called the number back and someone from Bank Of America told me i was spoofed. I was so angry. I filed a dispute with the bank but they told me that It was a scam and not fraud so therefore I would not be able to have my {$3500.00} refunded. I am completely saddened by this. I filed a report with the FTC and my local Police department as well. 
I have no information on the recipient of my money except the fact that I received an email saying that I transferred myself money through XXXX quick pay. I do not have any affiliation with XXXX XXXX at all.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NC)

Reference : Homeowners insurance payment for the XX/XX/XXXX renewal : NewRez LLC has represented in Official form XXXX filed on XX/XX/XXXX that our Hazard ( Homeowners ) in the amount of {$1100.00} was paid in XX/XX/XXXX. 
Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) states your insurance department requested a payment be sent out for {$1200.00} on XX/XX/XXXX Your letter of XX/XX/XXXX ( in response to complaint # XXXX ) says the payment for the Homeowners policy was issued on XX/XX/XXXX for {$1200.00}. 

We asking that you check your records from all internal resources available and advise us the date that payment was issued for our Homeowners policy renewal on XX/XX/XXXX.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I was shopping at XXXX back in XXXX when a XXXX  XXXX  employee approached me and offered to check if I was qualified for some sort of discount on an internet plan. I gave her my information purely out of curiosity to see if I was qualified. She then offered to sell me an internet package, which I declined considering I already have internet through XXXX XXXX. I then left the store. I never set up an internet connection in my home through XXXX, and I did not take home any XXXX internet equipment from XXXX that day. Later on I received a bill in the mail from XXXX claiming I opened an account and owed them money for the first month of internet access and alleged equipment. I called several times asking for this problem to be resolved, and I was told that the account that got opened under my name by the XXXX  XXXX  at XXXX would be closed. I then received a notice in the mail from XXXX debt collections telling me I owe XXXX {$140.00}. I have sent XXXX in writing via email a dispute of the full debt amount.
Consumer complaint received 2023-08-08
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: TRUIST FINANCIAL CORPORATION (MD)

Today, XX/XX/2023, XXXX XXXX attempted to charge my credit card with Truist Bank {$4700.00} for an upcoming apartment rental in XXXX. Truist locked my card and tagged the transaction as fraud, which it was not. Resolving this matter consumed XXXX XXXX hours of my time. A fraud representative assisted me, said the block was removed and that XXXX XXXX could process the charge. Each time, and this happened repeatedly, the transaction was declined. I also offered my debit card for the transaction -- again, declined. 

The problem appears to be Truist 's puts the bank first instead of the client to avoid fraud. So be it. But the numerous attempts required to clear the transaction were unacceptable. I have banked with the numerous iterations of this bank for XXXX years. I will no longer do so. I have no confidence that my credit card will not be blocked when I am in XXXX from XXXX XXXX. I have been assured it will not but there is no guarantee. Truist site states that no longer is a travel update required to use the card. That is not true. I had my card blocked in XXXX when I was in XXXX Texas. 

Your agency should look into the number of complaints against Truist. There are many. Thank you.
Consumer complaint received 2022-09-02
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. (DE)

Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Consumer complaint received 2023-04-13
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. (TN)

i am writing in concern of the federal law Experian has violated according to the FCRA 1681d.. ( B ) concerning inaccurate information XXXX XXXX XXXX XXXX XXXX is being reported inaccurate by Experian when this account is current and up to date, this account is currently in forbearance plan and modified. I have sent in the proper paper work to Experian and they have still not corrected the information. Experian said that they verified the information with the vender but they have not sent who, when and by who it was verified because if they would have done there proper research they would have known that this XXXX XXXX XXXX XXXX ) is current. Experian has also violated federal law 1681d ( B ) Disclosure on request of nature and scope of investigation : that states make a complete and accurate disclosure of the nature of the scope of the investigation requested. This disclosure shall be made in writing mailed, or otherwise delivered to the consumer no later than 5 days after the date on which the request of disclosure was received from the consumer or such report was first requested, whichever is later. Experian has violated the FCRA by continuing to report inaccurate information and must be held accountable.
Consumer complaint received 2021-04-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I've contacted USAA and XXXX XXXX on several occasions on why I am not an authorized user on my wife 's USAA credit card account for XXXX dollars. The account is not reporting to XXXX XXXX, USAA said to me that they have been reporting to XXXX XXXX, but XXXX XXXX is not making any changes, XXXX XXXX play 's the blame game and said it's USAA fault, I honestly believe if this was reported accurately, I would definitely have a higher credit score. I've exhausted all my options and I need some help please, This account is reported to XXXX  and also XXXX  with no problems at all.
Consumer complaint received 2022-09-02
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. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-09-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-07-09
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. (MN)

I Reported ID Theft In XXXX of XXXX In XXXX AZ I never lived in XXXX Arizona at any time, TransUnion Still has this Address in my credit report and other False information in my credit report I have had a bank account With XXXX from XX/XX/XXXX until XXXX at witch time I had closed that account Because XXXX also denied me credit because of that information. I Have been On SSI from XXXX and had direct deposit set up for some time and XXXX was aware of that.I have also been denied access or opportunity to change my information, and denied Credit because of information that TransUnion Provides
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX  has improperly reported a negative item on my credit report. Acct # XXXX is being improperly reported. I DO NOT OWE THIS DEBT. I sent them a certified letter which was signed on XX/XX/22 demanding that they validate the debt and investigate the debt and send me proof that this is my debt. They failed to do so I attached the letter that they mailed back to me which was their validation letter which showed me NO signed contract and no signature from me showing them an obligation to pay them. I sent the letter demanding validation as per the FCRA giving them the 30 day timeframe to validate the debt in which they failed to do so. Attached is correspondence between myself and XXXX XXXX about the erroneous account on my credit report in question. I WANT THE ACCOUNT DELETED. THE TIME FOR THEM TO UPDATE THEIR INACCURACIES HAS PAST.
Consumer complaint received 2022-02-12
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

Hello my name is XXXX XXXX, I am writing today to place a complete complaint against XXXX in the depart of XXXX gift card. My complaint is in detail below. 


Today my family received a XXXX gift card of XXXX dollars value from our case worker at the homeless shelter .I activated the card proceeded to take my family to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX at XXXX pm me and my family arrived at the restaurant and placed our order when then the card was declined. We double checked with the card balance and the activation everything was in place .We contacted customer service support and spoke to supervisor Tony with the employee ID # XXXX at XXXX. He proceeded to tell us that XXXX blocked the transaction due to fraudulent activity. There was nothing they could do to assist in the situation but send us out a new card with in 15- 20 days ..We stressed the severity of the situation many times and then the Supervisor XXXX went in to attempt to handle the situation but could not due to that is just how the system works ..As my family became extremely distressed with the situation of not being able to eat at the restaurant we resolved the issue with the restaurant with the order placed. Then went on to head back to the XXXX XXXX  where we reside XXXX XXXX XXXX XXXX  center XXXX XXXX XXXX, XXXX, TX XXXX where we missed meal call was not able to obtain any other means of food for my family at that time or we would not have been able to get back into the center to sleep passed curfew.. Leaving a family that has two children who are already currently facing many other issues at this time to have to go to bed hungry.. This use can not simply be resolved with just another card due to there is no address to mail the card to our family and in the current state of our families living situation among our children and all this has been nothing but a critical situation that has taken a toll on everyone emotionally at this time.. Me being the mother of this family already suffering for a severe XXXX this has brought me to an extreme place of distress as I lay down tonight. I would like to file this complaint to the fullest extent due to the following The fraudulent activity hold was improperly imposed and took a toll on myself and my family in a major way. 
Leaving me hungry and very upset beyond what one can take at this time. 
The shame and embarrassment that our family had to endure due to this improper imposed fraudulent activity hold without first consulting with the card holder.. 
Thank you for your time.. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-12
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-12
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. (MD)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2021-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (HI)

Citcards CBNA is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Consumer complaint received 2021-04-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (VA)

It has been since XXXX XXXX since this account has began. Navy federal is just now closing this account on which is does not belong to me. It was reported as closed on XXXX XXXX. It had been charged off due to non payments. I have received multiple complaints, multiple phone calls and threats to continue to harm my credit report if I do not comply. This is not my account. I am requesting this account be removed due to old account of over 8 years