davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
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)

I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft stemming from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These laws mandate the immediate removal of fraudulent information from consumer credit reports. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3400.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX all funds were removed from the account and XXXX ( XXXX XXXX XXXX ) were instructed by recorded phone call that they were to close the account effective XX/XX/XXXX. 

On XX/XX/XXXX unsolicited email was received from XXXX stating that additional information was required to review my application for a XXXX Checking Account. That same day I responded to this correspondence stating : " Close this account as previously requested. '' On XX/XX/XXXX I received a phone call from XXXX. They stated that during the 10 days my account had a positive balance that it had earned {$1.00} in interest. This interest was added on XX/XX/XXXX, fifteen days after the account was to be closed. I was told that I would need to remove the funds from the account ( again ) before it can be closed. That same day I once again removed all funds in the account. 

On XX/XX/XXXX I received another unsolicited email from XXXX. This email stated : " We need additional information to review your XXXX XXXX request. ". At no time have I ever made any request to XXXX for any type of funding product or service. On the same day I advised XXXX that we did no longer have a transactional relationship and that they were in violation of the CAN-SPAM Act of XXXX for sending unsolicited emails without the ability to unsubscribe. 

On XX/XX/XXXX XXXX responded to my email stating that they would unsubscribe me from marketing emails, but that as I still had an account with them they were unable to stop transactional emails. I advised XXXX that twice now I have closed this account. They responded by stating that there was now {$2.00} in the account, which appears that they reversed my transfer request of {$1.00} made on XX/XX/XXXX on XX/XX/XXXX. It appears they have now XXXX my ability to remove funds from the account using the bank account that was used to fund the account. Not only did they reverse the transaction, they also added an additional {$1.00} to the account, despite the account have no funds in it for over a month. 

I have reason to believe that XXXX is refusing to close this account in an attempt to artificially increase their customer numbers with the goal of defrauding investors. As such, I have filed this complaint with the CFPB and will be filing a complaint with the SEC as well.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a consumer pursuant to 15 U.S.C 1681 ( c ), you are a debt collector pursuant to 15 USC 1692a ( 6 ) and you are a creditor pursuant to 15 U.S.C 1692a ( 4 ). To my understanding all credit reporting agencies get their information from the same company sourced as the original creditor. The inaccuracies being reported are detrimental to my credit capacity, credit worthiness, and credit standing. It seems Capital One is reporting an alleged late payment to credit reporting agencies however, pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am being violated pursuant to TILA. I noticed when looking at my consumer files I have 3 late payments reported. The inaccuracies of this information is substantially harmful thus needs to be removed now!
Consumer complaint received 2022-05-17
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. (ME)

I attempted to cancel service from XXXX XXXX via phone calls, messages and they gave me the run around. When I refused to pay for the service I did not want they finally canceled the service and then turned it over to a collection agency that harassed and bullied me repeated phone calls letters and they told me they would turn it over to the credit bureaus and ruin my credit. I will not be bullied and I will not pay for something I did not want and do not owe. I disputed this debt with Transunion and after what they called an investigation they refused to remove it. They never even requested my proof that I canceled it!
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NC)

I Had received Debt Collection notice in the mail, and I read it, I in return, took immediate action to write the grievance to inform for your agency of this wrongful accusation debt against me. yes Sir/Madame I am without guilt on this, or any debt owed by or for XXXX.
Consumer complaint received 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

this is the 10 or 11th times attempting to fix this problem with Equifax. Theyre double reporting a fraudulent collection to my credit file for the 3rd time. Each time I dispute it they open a brand new identical collection account to my file with a new date of the date I filed the dispute. They reufse to fix this and have destroyed my credit. I am attaching the screen shot from today 's alert letting me know its on my file again. Ive also faxed them a police report which I have also faxed to CFPB and they keep telling me they dont have it.
Consumer complaint received 2022-05-26
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. (CA)

I've contacted XXXX XXXX XXXXXXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-05-26
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. (MD)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 2022-05-26
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. (GA)

Transunion is in violation of the Fair Credit Reporting Act ( FCRA ). Transunion is reporting late payments that have never been late. 

Pursuant to 15 USC 1666b : ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The accounts listed below reporting as late were NEVER late and should updated as pays or paid as agreed. 

XXXX XXXX Bank XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX Bank XXXX I was never late on XX/XX/XXXX on this account. Please update this account as Paid/Current. 

XXXX XXXX XXXX XXXX XXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account. Please update this account as Paid/Current. 

Additionally, pursuant to 15 USC 1681a ( 4 ) Congressional findings and statement of purpose, the law CLEARLY state : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

My right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to do so.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C 1681 ), I hereby formally request the removal of certain unauthorized credit inquiries that have appeared on my credit report. After careful review, I have identified that the following inquiries were made without my express consent or in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXX I hereby notify you that the information reported in my credit report contains errors. Pursuant to the Fair Credit Reporting Act ( FCRA ) section 611, I request that you initiate an investigation into the following entries that I believe to be inaccurate. 
My name correct : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Equifax )
Consumer complaint received 2022-05-25
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. (TX)

TransUnion I have worked with Transunion AND the credit union ( see below ) and they do nothing to get an account cleared up ( off my report ) due to multiple inaccuracies with dates, last payment amount ( {$3.00} ), balances changing for no reason and date closed. Attached are just a couple of sample letters Ive sent WITH all my ID info ( including drivers license, social security card, XXXX XXXX letter from Social Security, and a cell phone bill ). They always reply that they couldnt read my issue or I didnt send enough ID info!! OMG I just give up. The company, XXXX XXXX XXXX XXXX still reports incorrect information and Trans Union just keeps letting them. Im XXXX and XXXX XXXX XXXX XXXX, as I cant get the Federal Housing Authority to approve my application for a housing grant. I get help, like today, from a mens shelter with great volunteers helping XXXX people like myself. This credit reporting agency and this credit union are purposely doing this as, 1 ) no one wants to fix this, and 2 ) they both make money by keeping negative information on consumers ' reports. This is deplorable reporting and Im requesting that this account be removed from all three agencies. Thank You!
Consumer complaint received 2021-12-15
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: EQUIFAX, INC. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (CA)

My Ally Bank debit card was charged XXXX XXXXXXXX in XXXX. Despite a huge spike in fraudulent charges in XX/XX/2022 to Ally Bank debit cards Ally Bank did not notify customers about this data breach. Disputing transactions online was not possible - it just said to call. Wait time on the phone was over an hour.
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (AL)

Company attempted to fraudulently collect on a debt not owed nor opened on dates reported on my credit report on XX/XX/2022. I was alerted of a data breech regarding my personal information on XX/XX/2022, from a company ( XXXX XXXX ) out of XXXX, Texas and almost exactly a month later a company ( PARAMOUNT RECOVERY SYSTEM ) also out of XXXX, Texas tries to fraudulently collect on the same exact account I gotten removed no letter of this debt or original contract of proof was ever sent to my home address! This collection agency has called from several different fraudulent numbers harassing and not stating accurate information! XXXX already deleted off my credit report on XX/XX/2022 but the company attempted to report to XXXX I disputed that. Today XX/XX/2022 i got an alert from XXXX and i just disputed that according to XXXXaw code 15 USC 1692 PARAMOUNT RECOVERYXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX is in direct violation of reporting false inaccurate information on my credit reports.
Consumer complaint received 2022-05-25
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX I am a Bank of America customer i filed an complaint on my account for serious transactions high dollar amounts in short periods of time i pleaded to BofA to investigate and i put a claim in on XXXX XXXX XXXX totaling over just {$6000.00} from the XXXX XXXX XX/XX/XXXX in those 10 days alone there were that many transfers allowed from my debit/checking account to transfer into my wife 's XXXX XXXX account i tried explaining i tried refiling and they never showed me proof of anything they did to investigate I have had fraudulent transactions since then including the complete takeover of my account and more transactions of transfers out of my account to 3rd party accounts after they denied my 2nd claim I had already lost so much money to this bank it has nearly put me out of business and out on the street LITERARY! I did everything correct i appealed and showed proof that I had no access to this account that was in my wifes name from XXXX XXXX and that it was impossible for my wife to have made these transactions due to the fact she was incarcerated at that time. So unless they started Banking from XXXX XXXX XXXX she coul n't have made these transactions. I thougtht all was lost on that money and when it happened again I nearly gave up. That is when I contacted council and they showed me that I have rights and I should exercise them because of being railroaded by BofA SO MANY TIMES IS NOT ACCEPTABLE!!! So the grand story is this I have had fraud on my bank account done a total of 3 separate times this year. After my second claim was denied and I informed BofA that i had retained council that they credited my account for the fraud done in XX/XX/XXXX and XXXX same account same checking account same XXXX XXXX account for {$2300.00} in 24hrs and then 1 last time XX/XX/XXXX for {$500.00} that is ongoing but has been credited back to my account. In summary I tried and tried the first time that I was defrauded I was issued the same letter twice that said the transactions were done by myself or someone authorized to use my account, that is all they told me after all the information i sent and the appeals they would respond that my claim was closed and that was it, well I disagree with this outcome and i won't be satisfied until something is done about the way BofA handles a customer that they are responsible for.
Consumer complaint received 2022-05-24
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. (FL)

I have sent a letter to the court to see how is the method of verification of the bankruptcy and how are they reporting monthly to my credit the response was they do not report to the credit agencies I have ask for the credit bureaus to verify my information accurately and they are taking advantage of me The Credit bureaus stated my account was properly investigation but how is that possible if its IMPOSIBLE TO VERIFY. This ground for removal they also violated my rights under 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 XXXX XXXX XXXX XXXX