davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax apparently closed the new account that I just got with XXXX XXXX XXXX, when I called them Saturday. I did not want them to do this, I was simply asking what's taking so long with the complaint that I already filed. Ther had been fraud on the previous XXXX XXXX XXXX that I had and they reported the account had been closed, but I simply was getting a new card with a new account number. My credit score, availalble credit, and average credit age all dropped, and this was after I had already filed a dis [ ute with XXXX saying that the account was not closed, and Equifax had put the account back and then closed it again. Now they are really ffrustrating and aggravating me with their incompetence saying that the account is closed when it's absolutley not, and now I'll apparently have to get another new XXXX XXXX XXXX to replace the first new one that I already got and used, becuase Equifax stupidly incorrectly reported the accout as closed again.
Consumer complaint received 2023-05-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: VIAMERICAS CORPORATION (NY)

# CFPB Complaint Template for Viamericas Case # # Product Information - Product : Money transfer - Sub-product : International money transfer - Company : Viamericas Corporation # # Issue Description I am filing this complaint regarding Viamericas ' misrepresentations and violations that resulted in {$8200.00} in damages related to XXXX XXXX XXXX XXXX to XXXX. Despite clear evidence of violations and damages, the XXXX XXXX XXXX XXXX XXXX ( XXXX Case No. XXXX ) failed to conduct any investigation against viamericas and closed the case on XX/XX/year>. 

# # Detailed Narrative 1. Initial Incident - Initial filing date with XXXX  : XX/XX/year> - Amount involved : {$8200.00} - Purpose : XXXX XXXX XXXX XXXX to XXXX - Case assigned to : XXXX XXXXXXXX XXXX XXXX XXXX - Email : XXXX XXXX. Specific Violations by Viamericas - Documented false statements made by Viamericas ' CEO to XXXX ( detailed in XX/XX/year> letter ) - Clear violations of XXXX XXXX  XXXX and XXXX regulations remain unaddressed - XXXX XXXX transfers continue to be impacted - XXXX failed to investigate documented regulatory violations XXXX. Previous Regulatory Actions - Filed complaint with XXXX  XXXX ( Case No. XXXX ) - Submitted on : XX/XX/year> at XXXX - Case closed on : XX/XX/year> at XXXX - XXXX XXXX case without investigating documented violations - Evidence and correspondence available proving violations 4. Impact and Damages - Monetary loss : {$8200.00} for critical medical treatment transfers- Medical treatment transfers blocked and delayed - Financial damages remain unaddressed - Critical medical care impacted without regulatory intervention # # Desired Resolution 1. Full restitution of {$8200.00} for documented damages 2. Investigation into Viamericas ' false statements to regulators 3. Review of company 's non-compliance with federal regulations 4. Implementation of corrective measures 5. Written acknowledgment of violations and resolution commitment # # Supporting Documentation to Attach 1. Original XXXX complaint ( XXXX XXXX. XXXX ) XXXX. XX/XX/year> letter documenting Viamericas ' misrepresentations XXXX. XX/XX/year> response regarding XXXX failure to investigate XXXX. Email correspondence with XXXX XXXX and supervisors 5. Documentation of transfer blockages and failures 6. Proof of damages and medical necessity 7. Evidence of regulatory violations # # Timeline of Events XXXX. XX/XX/year> XXXX - Initial complaint filed with XXXX XXXX. XX/XX/year> - Submitted letter documenting Viamericas ' misrepresentations 3. XX/XX/year> XXXX - Case closed without investigation XXXX. XX/XX/year> - Submitted response detailing violations and regulatory failures XXXX. XX/XX/year> XXXX XXXX - Escalated to XXXX supervisors including : - 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 XXXXXXXX XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (OH)

What happened ( statement of pertinent facts ) : Consumer Name : ( XXXX XXXX XXXX XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX account number ( XXXX ) on XX/XX/XXXX. an auto loan account opened at FLAGSHIP CREDIT under the account number ( XXXX ) XX/XX/XXXX, a XXXX XXXX XXXX account under the account number ( XXXX ) on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-06
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. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that 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. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I am a paperless Truist customer and have a Truist credit card. The closing date of each month is the XXXX and soon thereafter they post the statement on the website which I access with my XXXX or XXXX. However, this month, XX/XX/XXXX, the statement was NOT available. I contacted customer service through Truist Assist, their online customer service portal. They informed me that their technical people were aware of and were working on getting the statements posted. I waited several more days, then today XX/XX/XXXX, the statements were still not online. I contacted Truist Assist again to inform them that they were delinquent in sending me a statement and I demanded that they email me a pdf of the statement. They said they could not do that. They said they didnt know when the statement would be available. They said to pay the amount due in the payment summary page. I told them I was unaccustomed to making payments without statements. My complaint was sent up the chain. 

Truist, no doubt, has many paper customers who receive statements in the mail. Yet they can not accommodate me by sending me a paper or pdf statement when the error is theirs. Or is it that they have been hacked and can not generate statements? I could not find any reporting online of statement issuing problems with Truist. 

Regardless, I am annoyed and frustrated by Truists inability to provide me with my statement in a timely manner as is my right. They must implement backup systems to provide customers with statements should they incur technical difficulties in the future. Statements are normally available a few days after closing. It is now at least 16 days after closing. 

Thank you for your attention. XXXX XXXX
Consumer complaint received 2023-04-06
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. (NC)

I have submitted several complaints to the Credit bureau and they will not fix the errors and do not reply to my letters that I have sent, I have sent several. It is still reporting inaccurate information and I want this deleted immediately! 

as well as inaccuracies across each credit report. Different dates, different amounts etc. this is by law Illegal! 

There should only be 1 address, 1 name any additional information needs to be deleted
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank closed my account without notice ahead of the closure Causing financial stress and emotional stress Find out my account was closed because my automated payments were declined and vendors contacted me about my payments declined Bank closed on XXXX XXXX my account and my a week after I found out that my account was closed by not been available to log in When I called their customer service was rude and cut off my call called again and I asked reason they denied any explanation until now They did returned {$2000.00} and still hold on {$500.00} for no reason explaining
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

To XXXX, Experian, XXXX, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my Experian credit report, they agreed to close the account. Experian, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Consumer complaint received 2022-09-22
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. (AR)

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, Credit XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX  Fraud XXXX XX/XX/XXXX XXXX  FINANCIAL FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX BANK NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY XX/XX/XXXX Bank of XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX AUTO XXXX INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XXXX XXXX XXXX AUTO FIN/ FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bank of XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX CAPITAL XXXX XXXX TD XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX  CCARD/ FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX BANK/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXX XXXX/XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (GA)

I have been a victim of identity theft. I was unaware for a long period of time because I did not know anything about my credit. My data has been breached in several locations. I was also informed that it has been listed on the dark web. I have reached out to creditors to resolve this issue. Somethings have been removed but there is still a vast amount of accounts that are still being reported that I have never owned or applied for. I have reached out to all 3 credit bureaus I have already submitted an identity theft report to the federal trade commission. Now I am making a formal complaint with you all. I know that I have a right to the fair credit reporting act under code 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Which means if this debt does not belong to me it has to be removed these accounts include XXXX XXXXXXXX Opened date XXXX XXXX Amount {$450.00} XXXX XXXX Opened date XXXX XXXX Amount {$610.00} XXXX XXXX Opened date XXXX XXXX Amount {$170.00} XXXX XXXX opened date XXXX XXXX Amount {$230.00} XXXXXXXX XXXX Opened date XXXX XXXX Amount {$2600.00} XXXX Opened date XXXX XXXX No amount XXXX XXXX XXXX Opened date XXXX XXXX Amount {$930.00} XXXX XXXXXXXX XXXX  Opened XXXX XX/XX/XXXX XXXX XXXX Opened date XXXX XXXX Amount XXXXXXXX XXXX  DATE OPENED XX/XX/XXXX Amount XXXX Original credit XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX Amount {$450.00} Original credit XXXX XXXX XXXX XXXX XXXX I was unable to add all accounts on my identity theft report but this is everything
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.