davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I opened a business account with Citizens bank a few years back and put about {$1000.00} into the account for spending on business expenses. The purpose of the account was to show I wasn't using personal funds when it comes time for taxes. It was never to pay people or send money to others because my business operations does not require me to ever do that. In fact, all my years of operation, I have never had to send funds to another person or bank account from my own business. 

I didn't use the funds because I never needed to spend the money and the account became dormant from inactivity. In addition, I can not access the account despite my efforts to do so online which means I was not monitoring the monthly statements. 

I went to a local bank / teller to close the business account only to discover about {$120.00} is missing due to various fees. I ask what happened ( since I still can not see the statements ) and they said I signed up for a service called XXXX which I had never heard of. The teller also had never heard of it. The XXXX XXXX at that bank location ( XXXXXXXX XXXX XXXX  also never came across anyone who had ever been charged for " XXXX '' service. Everyone I spoke to at the branch agreed it sounded strange and understood why I would have no need for this service. 

Citizens bank phone Customer support claims I electronically signed up for this service back in XX/XX/2022 which I do not have a memory or a record of doing. I never would have wanted this service because it works the same way as XXXX which was already a tool for money transfer built into their online banking portal... therefore, I have no use for XXXX in any situation. Citizens bank only stopped charging me for it because they stopped using it as a bank. I was also never notified that my subscription to XXXX was cancelled. 

Upon reading about XXXX online, no where on the internet does anyone say they subscribed to it on a monthly basis and were charged for it on a monthly basis. I found an entirely different model for XXXX pricing. 

Out of the approximately {$120.00} in fees I was charged, they are telling me they can not refund it all and are providing no advice or path forward. They are saying they can't provide proof that I signed up for this service. They are saying they can't refund the fees in full because of annual " limits '' to refunding per account. If they can't show a record of me signing up, I don't see how it's legal for them to keep my money. If they have done this to many dormant business accounts, this sounds like a class action lawsuit waiting to happen.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

Account Name : XXXX XXXX XXXX Account Number : XXXX This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 
As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 
I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies.
Consumer complaint received 2023-11-01
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. (CA)

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.

has violated my rights. Or a list of inquiries : 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 2023-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc. (AZ)

This complaint is for nonpayment/not paying full amount of homeowners ' insurance from my escrow account. ClickNClose did receive my Declaration Page and Invoice for payment on my homeowners ' insurance. However, only a payment of {$120.00} was paid out of the {$890.00} due. I have spoken with XXXX of their representatives on the following dates : XX/XX/XXXX, XXXX and XX/XX/XXXX. Each stated that they would put a note in my file and send it to the Payment Department. The payment was due by XX/XX/XXXX. If payment is not received by The XXXX, then they would have to review and perhaps increase my annual insurance amount. The amount of XXXX annual amount was {$770.00}
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Contacted Chase to report fraud charge on XX/XX/23 for ACH debit to Dept of Ed Student Loan ID XXXX. Started claim and placed stop payment on transaction. Charge posted and called back XX/XX/23 and spoke with XXXX. She was able to give me trace ID but no contact information to where my money went to find who is using my account for fraud. Charge is for {$100.00}. Chase is only advice is I have the option to close my account of 31 years and open a new one.
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I purchased a vehicle from US Auto Sales in XXXX Georgia on XX/XX/XXXX which included a extended warranty. XX/XX/XXXX I was informed that US Auto closed and my loan was transferred to Westlake. When I reached out to Westlake about the warranty I was told that unfortunately mine did not get transferred. They then tried to sell me a new warranty under their company. I then tried different numbers I was given by Westlake and sent emails to three Westlake individuals concerning the breach of contract and requested either to get the monies back I had paid to Westlake since or find a way to get my warranty reinstated. I also stated I valued my credit and would be happy to continue the relationship if the warranty was still going to be honored. On XX/XX/XXXX Westlake notated my account as refusal to pay and put me as Cease and Desist. On XX/XX/XXXX my vehicle was repossed. I then received a letter stating they had repossed the vehicle, it would be sent to auction and I would be responsible for the balance of the loan not taken care of with the sale. On XX/XX/XXXX Westlake started to report my account as late and damaging my credit.
Consumer complaint received 2016-08-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.
Consumer complaint received 2023-11-01
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. (IL)

There are plenty of incidences of noncompliance with mandated reporting criteria, thus the data in my report isn't accurate and comprehensive! Having stated that, I refute your claims and challenge you to show me that you have the authority to release this inaccurate, misleading information to my credit report. 
15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done truthfully, correctly ( in a timely manner ), completely, and accurately as well. If you don't, I will have to escalate these concerns to the CFPB, FTC, and my Attorney General. It's incomplete and doesn't meet my standards as required by law. 
XXXX XXXX XXXX Late Payment {$590.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$1000.00}
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-11-01
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: CLGF Holdco 1, LLC (TX)

I am writing to dispute the following information that appears on my credit report on XX/XX/. 

Inquiry from XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2023-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (MD)

On XX/XX/XXXX, I received a notice of unpaid tolls and fees from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/. In this notice, they have stated that they have been retained to resolve the amount owed to the Delaware Department of Transportation, and according to their client, I have an outstanding amount due in the amount of {$91.00}. First, no where in this letter did they state who that client was which is a direct violation of the FDCPA. Next, I noticed that the license plate number they provided is not my license plate number. Finally, I have never been to Delaware. Pursuant to 15 USC 1692e ( 11 ), they also didn't disclose in this letter that this is an attempt to collect a debt. That's 3 violations already.

So on the same day I received the letter, I called Linebarger Goggan Blair & Sampson, LLP to get some clarification and verification on this alleged debt. The representative I spoke to never gave her name, and was rude and refused to provide me service because I did not feel comfortable giving out my personal and private information which I have a right to do. And by the misinformation in their letter, that gives me even more cause to be concerned with providing my information. It's funny how they never verified this information directly with me like they are supposed to do, but wants consumers to verify their own self to another stranger instead of just taking the reference number that was provided. There is no reason to collect my private information if a reference number is given, unless they are assigning the same reference number to multiple consumers. Since the agent refused to help, I let her know that a lawsuit will be commenced, thanked her, and hung up. 

There are multiple violations that this company has committed that I will sue them for, such as opening an account without my consent. Pursuant to 18 USC 1028A, that is aggravated identity theft. They should not have my information without my consent and without verifying directly with me. They are also charging ridiculous fees such as a " violent crime '' fee. This is also against federal law as there is no crime being committed, and if it is, where is the victim? It's clear they are doing this to harass and abuse consumers with their false accusations and absurd fees. They provided no proof/reason as to why or how I owe this alleged debt.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Home Depot is reporting an alleged late payment from 2019 to third parties, and this information is inaccurate. I have requested that this information be removed on several occasions via phone and letters. If Home Depot believes that this information is accurate. I'm requesting to be provided with proof in accordance with UCC 9-210 " Request For Accounting ''. Account statements will not suffice.
Consumer complaint received 2023-11-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: Credit Karma (FL)

I had the IRS deposit my money into this account, I was told by XXXX I would get my money faster which it did it was deposited into the account XX/XX/XXXX. I contacted them because after getting my card I could not get the funds of XXXX I was asked to give a copy of my ID with a picture of it place under my chin of which I provided to them and ever since then theyve told me about four different departments that arent accurate, are looking into it, and refused to give me a reason as to why can not get my funds.
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (OH)

I filed complaint # XXXX with the CFPB on XX/XX/2023 in reference to issues I've been having with Equifax in an attempt to get some answers about incorrect information on my credit report. Not only have I been ignored. I've been fighting this roller-coaster of unexplainable credit score decline with no explanation, and when attempting to address these issues Equifax claims it can do whatever to me without recourse. Equifax is being enriched because of the information attained in me credit report despite inaccurate information causing me financial hardships and damage to my standing in the financial sector. The response to CFPB complaint # XXXX was that the information was removed yet, the report still contains singular accounts reported twice as well as inaccurate payment statuses and inaccurate late payments just to name a few of the negligent practices of Equifax. I'm not sure I comprehend this response, maybe Equifax could explain what they meant by, " A summary of the results are listed below : NON-REPORTING DISPUTES Trade : IRS THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ''
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. 
When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. 

It is hard to believe a TD Bank store has no Hundred dollar bills available. 
It is hard to believe a TD Bank store has no Branch Manager available to assist customers.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

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. 

LVNV Funding account ending XXXX LVNV Funding account ending XXXX Resurgent has 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 2017-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (SC)

This account was opened in XX/XX/XXXX by my husband. I was an authorized user on the account. At no time could I call and do anything with the account. On XX/XX/XXXX my husband moved out and forwarded all his mail to his new address. Until this showed up on my credit report I did not know he canceled the card on XX/XX/XXXX. I already had the XX/XX/XXXX payment set up in bill pay. 
This account being reported on my credit report is effecting my ability to get a mortgage. I have tried several times to get resolution but it has come to nothing. I called yesterday and spoke with a woman in Recovery that happily took my new mailing address but other than that would not talk to me about the account without my ex husband 's consent. She also told me the account balance is {$150.00} more than I thought and to have it shown as paid I have to pay the entire amount. 
My ex husband would never do a thing to help me, in fact opening this up will result in another barrage of insults and threats. The last time I contacted him about left over business from our marriage he wanted to know why I was n't dead yet. Due to our son being a minor at the time he had a {$100000.00} life insurance policy on me. I feared for my life. I never gave my social security number to be associated with this account. 
If I can not get information or deal with this how can it be reported on my credit report?