davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (IL)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

XX/XX/XXXX around this time of 2021 I opened a checking and savings account with USAA, prior to me leaving for XXXX XXXX training on XX/XX/XXXX. I set up my direct deposit with my XXXX  shortly before leaving for XXXX. After I graduated on XX/XX/XXXX I realized my account wasnt accessible. I called the bank and revived the same answer multiple times saying that they no long want to do business with me. After months and months of them telling me the same thing the only thing new I learned was that my account is under review and they cant tell me why. The only physically bank is in Texas and I live on the XXXX XXXX. Its going to be a year since I havent been able to access the funds in the account that has nearly {$3000.00} in it. I asked then multiple times to close the account and send the money back to where it came from if they no longer wanted to do business with me and they refuse to do so.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bank has placed what is termed " an extraordinary hold '' on two checked deposited into my account on XX/XX/XXXX, such holds are spelled out and defined within the Expedited Funds Availability Act of XXXX ( EFAA ) enacted in by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions ' use of deposit holds. The deposit total is approximately {$8000.00} and falls within the established hold rule of large deposits. Such deposits are to be held and funds incrementally released as follows : Large deposit : deposits greater than {$5000.00}. A release of {$200.00} on the first business day following deposit, a release of {$600.00} on the second business day following deposit, and a release of {$4800.00} on the third business day following deposit, with the complete remainder released on the seventh business day. 

I contacted my local Bank of America branch, made aware of this rule and gave them a copy of the EFAA and how their actions failed to follow the established EFAA rules and I was told the holds were placed on the items " by the system ( I am assuming meaning " their computer '' ) and no one had/has the ability to override the holds. 

I then made a call to the customer service line for assistance and was given the same answer mentioned above. I then made an appointment with a local branch manager who attempted to speak with the department managing the holds, and that manager was told, " the bank hold complied with the terms of the depositor agreement '', when I explained the agreement does not have the right to violated the law the telephone call was disconnected and a recorded message instructing us to call back again during XXXX Central Standard Time ( please note the time was XXXX PST when the call was disconnected. 

My complaint alleges that Bank of America is in XXXX Breach of the EFAA and the protections established within the the intent of law and rules governing the holds on deposits for depositors of the bank. Such disregard for compliance by the bank to follow fully the rules places at harm, the American public, and a possible greater risk of financial harm to the overall financial damage to the American economy. 

If depositors can not access their funds in a timely manner, it is reasonable to assert that those actions create a cascade effect for those persons and businesses awaiting payments to cover liabilities of the depositors. 

Your assistance and help is greatly appreciated.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXX Balance Owed : {$26000.00}
Consumer complaint received 2022-10-23
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. (GA)

My name is XXXX XXXX, I'm XXXX years of age, and work diligently to maintain a good credit history. My consumer 's credit score with the three reporting entities : Experian, XXXX, and XXXX were historically around the 700 range ( file attached ) up to XXXX of this year 2022. 
In XXXX, I paid off a car with XXXX XXXX, and didn't have any open accounts remaining. Experian and XXXX in XXXX of this year 2022. stopped calculating my credit score because I didn't have any open accounts, therefore, when a bank, car dealership or any authorized vendor that I'm trying to attain credit through, checks my consumer 's credit report with the reporting agencies, WITHOUT A CREDIT SCORE, MY CREDIT IS DENIED, AND I'M TOLD THAT I NEED A CO-SIGNER, I'm XXXX, educated with a great career ( income of XXXX ), and can't get a car loan. due to EXPERIAN and XXXX don't possess the initiative to score my historical data. 
100 % OF ALL CONSUMERS, with previously credit established, should have a consumer 's credit score. this is creating unbearable hardship, unnecessarily. 
I reached out to CFPB for assist and got none. my next recourse if to contact my senator and file a class action lawsuit with my attorney.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-01-03
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: ENCORE CAPITAL GROUP INC. (LA)

This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance (TX)

I dispute the validity of all claims regarding the account on my credit report CONCORDE AUTO MGMT SER XXXX. According to TX law and UCC 9.506, no deficiency can be claimed unless all required notices were provided and redemption or cure periods honored. 

The following was never provided to validate and prove that the repossession followed UCC regulations : 9-506 : Effect of Errors or Omissions 9-611 : Notification Before Disposition of Collateral 9-612 : Timeliness of Notification 9-613 : Contents of Notification Provide copies of all notices and evidence that the resale was conducted in a commercially reasonable manner. 

If documentation is not provided within 15 days, the deficiency claim will be deemed null and void, and continued reporting or collection will constitute violations of the FDCPA and FCRA. I demand the immediate removal of this account from my credit report. 

Furthermore, this account was charged off but later settled, and I have yet to receive the required 1099-C form. Failure to provide this form constitutes tax fraud, as required by the IRS for debt forgiveness reporting. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), you are obligated to ensure that all information reported is 100 % accurate. Since this account does not meet that standard, I am demanding its immediate removal from my credit report.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

My XXXX credit report contains a debt from Pro Collect in the amount of {$5800.00}. I have long disputed this account for containing incorrect information. Now they have put the debt on my credit report XXXX with XXXX different opening dates, which is not correct for either. I have attempted to dispute this several times only for my disputes to be completely ignored. I do not believe anyone is actually looking into this to see if it needs to be corrected because they would only have to read my notes and verify the information to see that this account is on my report XXXX since about XXXX of this year. I have called and asked for them to look further to no avail. I am making this complaint in an attempt to get some assistance with this issue, it is not okay for a credit company to further lower my score and continue to harass me by putting erroneous information on my report.
Consumer complaint received 2022-10-17
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. (NV)

The Credit agencies XXXX/Transunion/XXXX stated my accounts were properly investigated and verified as accurate for the 3rd time. I contacted the agency to remove the inaccurate information and update my credit report. they responded with the account is verified the inaccuracies still remain causes harm to my livelihood. They have reported payment dates inaccurate showing XXXX with no 30 or 60 days late. On one account there reporting 3 different payment Example  Ok/30/Ok history on all 3 reporting agencies. I did not give them permission to produce this information. This should be removed because they are violating my rights under the Law

15 U.S Code 1681 - CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE

(a) Accuracy and fairness of credit reporting

15 U.S Code 1681E COMPLIANCE PROCEDURES

(b) 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.

I also have the tracking number to prove they where notified by mail 
Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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. (FL)

In accordance with the fair credit reporting act XXXX  XXXX # XXXX, Has violated my right.

15 U.S.C 1681Section 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 instruction.
Consumer complaint received 2022-11-03
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. (GA)

In early XXXX, I sent a letter to LCI requesting that they verify the validity of XXXX XXXX Bankruptcies appearing on my credit report. Because Trans Union informed me that XXXX  was furnisher of public records ie XXXX 's. XXXX responded back with the results of their investigation. They determined that the Banruptcies were accurate because of paperwork they printed from XXXX. I had informed them that was inaccurate. Becuase I have never filed. I have been dealing with this for years. By them not doing the proper and detailed investigation because they are the ones furnishing this unverifiable information without my consent, it is defaming my character and harming financially, because again they are refusing to conduct a proper investigation. I was told to go the courthouse by them and get it corrected. First off XXXX court does not furnish information to credit furnishers and CRA 's, Secondly since they took the liberty to report inaccurate information, I think its their job to ensure accuracy prior to sending public record information to the credit bureaus.Since they claim to be a furnisher for FCRA purposes and deal directly to Trans Union. Under law my credit report should have the most accurate information possible. I also contacted XXXX and requested them to validate any XXXX  XXXX 's that be on my credit file. I was sent a letter from them dated XX/XX/2022 indicated that their investigaton was complete and it was determined that data being reported as unveriable and has been removed from their records. And confusing is they used the same method of verification as XXXX. I am willing to take further actions if XXXX  and Trans Union continues to not take my request seriously. 

I am enclosing letters from XXXX, XXXX, and XXXX XXXX court house
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-23
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. (IL)

I sent my first letter asking to investigate the following XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX. 
# XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX # XXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
also to remove a an accurate address listed on report XXXX XXXX XXXX XXXX IL, XXXX I Also sent another letter on XX/XX/XXXX with no response from the credit bureau.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now. 

Please see the items below. 

Account Name  : XXXX XXXX, XXXX. 
Account NumberXXXX There is a late payment for XX/XX/2022, which is inaccurate. XXXX changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that XXXX only accepts federal notes in person for my credit card. 

XXXX has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement. 

My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months. 

XXXX has also violated 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I never received notice, not 21 days before the payment was due, not anytime was a notified. 

Experian and XXXX are violating 15 USC 1681B and 15 USC 1681C. Experian does not have my consent to report without my written consent, and they are false reporting.

Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft. 

I have never been late on any payments with XXXX XXXX  at any time, look at the history.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hi I am submitting this XXXX XXXX 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
Consumer complaint received 2022-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

XXXX XXXX XXXX sales rep did door solicitation, installed home security devices in my home and made to sign a contract and also created citizenspay loan account in my name without my knowledge saying it can be cancelled if I didn't like their services within 3months and also marketed hifi devices but in reality installed very cheap devices. When asked immediately provided discounts of {$1400.00} and said would receive the updated contract with updated amount of {$35.00} per month including the devices cost and their services. But failed to send the contract despite repeated follow-ups and tactfully pushed cancellation time for over a month and when we sent the cancellation email they asked us to call in to cancel but do not cancel on phone saying we have to pay for the devices in full and keep charging to my wife debit card with multiple accounts despite informing them not to do so and recently received threatening call from XXXX saying the account can not be cancelled and would be sent to collections.