davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXX Delete this account because each bureau reports a different date last paid : XXXX shows XX/XX/XXXX, XXXX XXXX no date and, Transunion shows XX/XX/XXXX, how can this be accurate?, remove due to inaccuracy - I never paid late in XXXX or XXXX of XXXX, Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

FIRST OF ALL ON XX/XX/23 I FOUND A MISTERIOUS DEPOSIT IN TO MY SAVINGS ACCOUNT 0F {$2500.00} THEN THAT SAME DEPOSIT WAS TRANSFERED FROM MY SAVINGS ACCT IN TO MY CHECKING ACCT, WHILE IM TRYING TO FIGURE OUT WHAT HAPPENED WITH THIS TRANSACTION THAT I DID NOT RECOGNIZE TWO DAYS LATER ON XX/XX/23 I FOUND SOME MORE MISTERIOUS TRANSACTIONS THAT I DID NOT RECOGNIZE NOR I APPROVED I FOUND ONE OF {$1000.00} AND ANOTHER OF {$80.00}. THAT WERE TRANSFERED FROM MY SAVINGS ACCOUNT TO MY CHECKING ACCOUNT. THEN ON MY CHECKING ACCOUNT THE SAME DAY I NOTICED THAT A PAYMENT OF {$3500.00} WAS MADE TO A XXXX XXXX IN XXXX MICHIGAN AND AN ATM WITHDRAWAL OF {$130.00}. NON-OF THOSE TRANSACTIONS DID I RECOGNIZE NOR I APPROVED. SUPPOSEDLY THEY SAY THEY SENT ME 4 NOTIFICATIONS TO MY PHONE NUMBER AND THAT I REPLIED OK TO APPROVE THE CHARGES HOWEVER I DO NOT HAVE ANY MESSAGES FROM BANK OF AMERICA THAT DAY NEITHER I HAVE SUCH MESSAGES ON MY PHONE RECORDS FROM MY CARRIER. 2 DAYS LATER AFTER CALLING BANK OF AMERICA TO FIND OUT ABOUT THIS CLAIM I WAS INFORMED BY THE BANK 'S REP ABOUT 3 FRAUDALENT CHECKS WITH AMOUNTS OF {$4500.00} EACH TOTALING {$13000.00} WRITTEN FROM A LADY IN NEW YORK WITH A XXXX BANK ACCT TO A PERSON WITH THE SAME NAME AS MINE, XXXX XXXX STATING THAT THE MONEY CAME OUT OF MY BANK ACCOUNT AND THEREFORE I OWE THAT MONEY TO BANK OF AMERICA. 
THIS 3 CHECKS THING SOUNDS VERY CONFUSING TO ME AND HONESTLY, I FEEL LIKE SOMEONE IN THE BANK MADE A MISTAKE AND IS TRYING TO COVER IT OR FIX IT OR THERE IS INTERNAL FRAUD FROM WITHING BANK OF AMERICA. THE FRAUD CLAIM OF {$3500.00} WAS ALREADY CLOSED BY BANK OF AMERICA SAYING THAT THEY WILL NOT PAY IT AND THE 3 CHECKS OF {$4500.00} EACH IS TAKING TOO LONG TO RESOLVE AND EVERY TIME I CALL THE BANK, THEY DONT HAVE ANY NEW INFORMATION OR THEY SEND ME TO THE WRONG DEPARTMENT OR I HAVE TO WAIT ON THE PHONE LINE 30 TO 45 MINUTES TO GET DISCONNECTED. I DON'T KNOW WHAT'S GOING ON WITH THEIR OWN INVESTIGATION THEY HAVE NOT SENT ME ANY EMALIS NOR CALL ME TO GIVE ME AN UPDATE. I FILED A POLICE REPORT ( REPORT # XXXX ) FROM THE XXXX ARIZONA POLICE DEPARTMENT AND XXXX XXXX XXXX ADVISED ME TO CONTACT THE CFPB AND THE FBIA AS WELL SPECIALLY SINCE IS BELIEVED THAT THIS IS A FRAUD WITHIN BANK OF AMERICA OR AN INTERNAL MISTAKE THAT ARE TRYING TO COVER.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/XXXX  I contacted BMO customer service and requested that my accounts be frozen because my purse had been stolen out of my car. Several hours later someone using my ID deposited two forged checks totaling {$8700.00} into my savings account and then were allowed to withdraw {$7000.00}, even though my accounts should have been frozen. Since then my account has actually been frozen and I have had XXXX access to the amounts in the account. I have spent at least six hours making various phone calls to customer service. I was finally given an Affidavit of Forged or Altered checks form but have been unable to send them the form because the email customer service gave me is incorrect, even though I tripled check with them the email. I've currently been on hold with customer service for the last 45 minutes, so now I am at seven hours of my time wasted for their mistake. I was also told that their investigation can take up to 190 days, which means I have no access to the funds that were in that account. It has been almost thirty days and I still am unable to even get them to start the investigation.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have been a victim of identity theft. Someone used my social to try to obtain credit. I have inquiries on my credit report i did not authorize. I have not applied for credit.
Consumer complaint received 2023-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XX/XX/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  XX/XX/XXXX
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (FL)

15 US code 1681g ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

Delete the following inquiries from my credit report ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (FL)

I have no knowledge of the inquires listed below. And the hard inquiries are a result of identity theft and must be removed no later than four business days as per U.S. Code 1681 c-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was closed recently for XXXX returned payments on another account. One of the payments that were returned was because I had XXXX and was experiencing some hardship. I spoke to a representative regarding this and they reassured me that this would not affect my account. After my account was closed I tried to reach out to the company to have it reopened amd my request was denied. I've been with this company for over 7 years and I am asking for a resolution.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address TransUnion ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/2024, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required.

The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : Shows a 30-day late payment in XXXX and XXXX, and a 60-day late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a 30-day late payment in XXXX and XXXX, and a 60-day late in XXXX. 
XXXX : Reports 30-day late payments in XXXX and XXXX, and a 60-day late payment in XXXX. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

I have tried repeatedly to set my account up online so that I can set up AutoPay, so that the payment is made on time and I don't have to remember to try to call them when I can make it home from work. I've called the number it shows on the screen to call so that they can figure out why the card I have has a number that the system doesn't recognize as being a valid account number. While I am on the call at the number shown on the screen, they tell me that it is a problem with Synchrony Bank and then they connect me to them. While I am on the phone with someone at Synchrony Bank, they tell me that the problem is with PayPal and connect me with them. This goes on and on until I get tired of trying and being on HOLD that I hang up. This has been going on for several months and I can't afford to have late payment charges because I can't access my account online and am too busy trying to work and take care of my Mother who is suffering from XXXX. I don't know who is supposed to be able to fix my account, but I am going to assume that it would be Synchrony since they are the issuer of the card.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NH)

My student loans were currently on public loan forgiveness and I was set to begin making qualifying payments once the loan pause was ended. I also completed a borrower defense case against XXXX XXXX XXXX  on XX/XX/2022. In the application I checked off the box saying I did NOT want my loans put into a forbearance during the time it is being reviewed. My loans were put into a forbearance anyway without my consent. The wait times for a phone call are over XXXX hours when I call and I have not been able to get a hold of anyone by phone. I have sent XXXX emails to MOHELA trying to get it fixed and response takes a long time and has not fixed the issue. I have also received communication that they sent me the incorrect payment amount initially and will be sending me a new amount. This is impacting me being able to make my qualifying payments that count towards my public student loan forgiveness which then impacts when my loans will be forgiven. The attached form shows my borrower defense application and where I checked off that I do not want the loans placed into a forbearance during the processing time.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (ME)

I paid in full the balance on the account on XX/XX/2019 confirmation number available upon request. On XX/XX/2019 a checking account I used solely for making payments on this card was over-drafted due to a payment withdrawn by Citibank although there was a {$0.00} balance on the account. I called on XX/XX/2019 to contest, and gave an address to have the amount withdrawn credited back to my account and to cancel automatic payments. That amount was never sent to me. On XX/XX/2019 the Citigroup withdrew another payment although at this point I had called 2 times already to resolve the balance and cancel automatic payments.
Consumer complaint received 2023-10-17
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. (GA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2019-05-13
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: EQUIFAX, INC. (CA)

XXXX XXXX performed a hard pull on my credit in order to open a checking account. I was not looking for an extension of credit, which is what hard pulls are for. In fact, but opening a checking account, I am the entity providing credit to XXXX XXXX. 

If they received my consent, it was on a page with 15 other disclosures that masked the fact that this would occur. I would view that as deceptive. 

Can we stop companies from conducting hard pulls when individuals are not looking for an extension of credit? 

Thanks.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DE)

On XX/XX/23 {$100.00} was withdrawn from my checking account, and was never authorized. 

1. I had just received a new debit card from USAA, My old debit card was expired, and the new debit card it was not activated at the time the above charge occurred. 
2. No authorization was provided to the company that charged the {$100.00}. I spoke to USAA on the phone and they said they would take care of the issue. 
3. I received a follow up decision ( attached ) which stated the transaction was not an error because of " insufficient information ''. 
4. USAA never provided documentation from the merchant it relied upon in making this decision. 
5. USAA asked me for documentation that does not exist. When a transaction isn't authorized, consumer 's do not have records to provide showing it wasn't authorized. The charge was not authorized. The merchant did not provide any kind of receipt or billing notice by paper or by email. I don't understand why USAA is defaulting to the merchant must be correct rather than believing its paying member. Do better USAA.