davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified this items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-06
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. (NJ)

In accordance with the Fair Credit Reporting Act. The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these inquiries : Inquiries : XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify inquiries that aren't reported correctly.

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 an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

Dear JP Morgan Chase, it has been brought to my attention that you all have been sharing my personal information with XXXX which are not any of your affiliates that are listed in your Disclosure Brochure. I Also have Proof from the Disclosure Brochure that I uploaded with my statement. Sharing personal information includes NAME/DATE OF BIRTH/ADDRESS/SSN. You Sharing My Transaction history and Payments are Illegal and against the law & policy according to 15 U.S. Code 1666b - Timing of payments ( 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. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2018-12-15
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. (IL)

Equifax has an old loan that was taken off my credit. Every month something new keeps popping up only on Equifax. When I email them I don't get a response. My credit score continues to DROP with them and grow on XXXX. The difference is around 50 points. They were hacked, I was included, and I still have a horrible score with no movement. I opened 2 secured credit Cards using minimal amounts to work on my credit after a horrible divorce. It's doing wonders for Transunion and still being decreased by Equifax. Something is seriously wrong! I've read the complaints, there are so many. Looks like no one investigates this thoroughly.
Consumer complaint received 2020-07-08
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: EQUIFAX, INC. (NJ)

there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2024-02-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (NV)

I have a student loan provider XXXX that defaulted my loan into collections without notice. During the pandemic, all student loans were on temporary pause until it recently started back up. Now that it has started up again, I have been paying all my student loan providers ( XXXX, XXXX, etc. ) on time. When I looked on my credit report, it said I has 35 missed months of payments on XXXX closed account for {$1300.00} and it went into collections. I was never aware of this and was never notified in written notice because loans were put on pause. It has affected my credit score dramatically. I attempted to call Radius Global Solutions in regards to this issue multiple times but no one is answering. There was never an issue of paying the loan, I just never knew it went into default because I never received a written notice.
Consumer complaint received 2017-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation (CA)

I went to check my credit score, and noticed it had dropped 50 points, due to a report from Universal Recovery attempting to collect a debt from XXXX XXXX. I had joined this gym for one month at a rate of {$19.00} a month, but, since I was moving, closed the account. I was informed the account was closed and recieved no notices, mail, advertisements etc. from them since, and this was a year ago. The recovery department is trying to say I owe over {$100.00}, which is absolutely false, and I need this reversed immediately as it is affecting my credit.
Consumer complaint received 2023-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SAN DIEGO COUNTY CREDIT UNION (CA)

During year XXXX I loaned funds from my personal account at San Diego County Credit Union, XXXX XXXX to a close personal friend ( app {$26000.00} ). I can not currently access my account to provide exact dates/amounts. I was reimbursed in full XX/XX/XXXX and funds deposited in my SDCCU savings account. XX/XX/XXXX I went to SDCCU to withdraw funds from my account and was referred to XXXX XXXX XXXX, Asst. Branch Mgr., who proceeded to question, harass, embarrass, humiliate me & ultimately denied my cash withdrawal request. Her apparent authoritarian conclusion was that I was incapable of handling my own financial affairs ; further evidenced by a referral to XXXX XXXX Department of Public Social Services. Representative at my door XX/XX/XXXX XXXX AM was courteously sent away by me. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me an investigation with SDCCU Fraud Investigations Dept. was initiated. The letter provided a case #, an email account, telephone # to contact the Fraud Investigations Dept. and no other details. XX/XX/XXXX I received a letter dated XX/XX/XXXX informing me the investigation had concluded with same email, telephone # and no other details. Unable to access my acct I had contacted my attorney who advised me to send an email informing SDCCU & XXXX XXXX of our intent to file complaints with the Better Business Bureau & the Consumer Financial Protection Bureau followed by a lawsuit citing harassment, discrimination, interference in my personal financial affairs & illegally holding personal funds XXXX which I had done on XX/XX/XXXX. Sent 2 additional emails asking for information ( XX/XX/XXXX & XX/XX/XXXX ). No response to date from SDCCU. In conclusion, I am still unable to access my account. SDCCU blocking access with no communication or explanation why. I need to file XXXX taxes but am unable to access pertinent tax forms relative to my SDCCU acct. SDCCU incompetence is impacting my financial affairs including my standing with the Federal & State govts. I need a resolution NOW.
Consumer complaint received 2020-07-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (MD)

I received a call from this company phone number called from was a robo/ XXXX ( XXXX XXXX XXXX not belonging to them. A XXXX asked for me and asked was XXXX XX/XX/77 she attempted to say shes a debt collector - I asked what company are you referring to she claimed Barclays Credit Card - very odd I explained because I had this removed from my report years ago for fraud ( the card was stolen and I proved not my debt with a previous company ) they never provide anything to me just removed it. She said well we bought this from them and not pursing? How can you do this after it was removed and resolved? Totally fraud. I will seek legal action from this company. They failed to research and threaten to add it back!
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TN)

XXXXGreensky is currently reporting missed payments on my consumer report which is negatively affecting my life and my ability to obtain new credit. This account has been closed for years and I keep seeing missed payments on this closed account. Please remove this false, erroneous account immediately or please provide me with payment history showing the account was current until the erroneous reported missed payment.
Consumer complaint received 2024-02-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

I was first prevented from using my card or even able to take funds out of my account that was funded from unemployment PUA. Card would get declined and unable to access fund withdrawal from ATM. When I called, US bank reliacard they said, account funds were taken back from, PUA unemployment. I called PA Unemployment and they said that their agency did not do what US Bank claimed and that the issue was with US Bank, not them. After speaking to Unemployment and learning that their agency did not have any parts of taking my funds back I called US bank XX/XX/XXXX  and received a different answer which was US Bank sent back funds to unemployment due to not verifying identity within timeframe. Claiming PA unemployment was sent aprox {$15000.00} from my account by US BANK. When I called unemployment they looked up my information in their system, which was the only recipient depositing funds to Reliacard account, they did not find any red flag that suggests their agency took back funds, nor did they receive any funds back from USBANK in connection to my name. PA Unemployment said that the matter is with USBANK as they denied requesting or receiving back any funds that were issued to my reliacard account. After giving USBANK the PA Unemployment 's response to their claims, I am no longer given any further answers. When I currently call USBANK customer service either say that they aren't trained in the dept to handle my call and transfer me to another dept, which automatically ends call, or I am told that they can't find my account information. No explanation of any merit has resulted from communication with USBANK when seeking the reason {$15000.00} funds have been removed from account.
Consumer complaint received 2024-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, urgently submit a formal and grave complaint against Bank of America ( Respondent ) under the Fair Credit Reporting Act ( FCRA ). This complaint addresses the egregious misrepresentations of my credit standing, specifically concerning my Bank of America Travel Rewards account ending in XXXX. 
Statement of Violation : Bank of America, in blatant violation of FCRA provisions, has disseminated profoundly inaccurate information regarding my credit standing, deliberately misrepresenting the status of my Travel Rewards account ending in XXXX. 
Presentation of Undisputed Evidence : I provide incontrovertible evidence, including a meticulously documented payment receipt from Bank of America on XX/XX/2021, and an unequivocal email notification dated XX/XX/2021, explicitly stating the termination of the aforementioned account. 
Alleged Violations of FCRA : The Respondent 's egregious actions starkly contravene FCRA mandates ( 15 U.S.C. 1681s-2 ), imposing unambiguous obligations on furnishers to provide nothing less than accurate and complete information to consumer reporting agencies.

Urgent Request for Remedial Measures : I urgently implore the Bureau to embark upon a swift and intensive investigation, compelling Bank of America to promptly rectify the severe inaccuracies pervasive in my credit reports. I demand nothing short of the immediate removal of erroneous information and the issuance of corrected credit reports, unequivocally reflecting accurate and verified account statuses. 
Implicit Warning of Legal Recourse : Should this matter persist unresolved, I want to underscore my unwavering readiness to pursue the full spectrum of legal remedies available under FCRA and other pertinent statutes. The gravity of Bank of America 's actions necessitates a formidable response to safeguard my rights and rectify these severe transgressions. 
Expedited Request for Document Upload and Address Update : In addition to the aforementioned urgent actions, I request that all correspondences related to this matter be expeditiously uploaded to the Consumer Financial Protection Bureau 's records. Furthermore, it is imperative to update my mailing address to reflect the current information provided. 
This matter demands the utmost urgency and gravity, and I trust the Consumer Financial Protection Bureau will address it accordingly. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rolfe & Lobello, P.A. (FL)

I received a letter in the mail from Rolfe and Lobello PA insinuating that I had a debt from XXXX XXXX. In the letter the law firm insinuated prosecution. I later received a phone call from an agent from the same firm stating the same tactics. I advised her that Im not familiar with XXXX XXXX. The rep changed the original creditors name to XXXX XXXX. Again I stated I am unsure about the debt. The agent stated she would send this to her attorneys. I was intimidated and the letter was a threat. I am not familiar with this account or even the creditor at this point seeing as the firm has changed the name twice for the original creditor.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

When I talked to this woman calling me and my family, she stated, this a payday loan debt from XX/XX/2014 through Ace Cash Express. Some woman name XXXX XXXX @ XXXX   is calling my sister at XXXX and my aunt at XXXX calling from XXXX XXXX on behalf of XXXX XXXX XXXX. Please tell this company to stop harassing me and my family. Their number is XXXX. Ace Cash Express has been paid for this loan several times over as we know the interest and fees they charge are ridiculous. That's why after paying this company so much money, I don't even do payday loans. Its a scam that I feel the government should step in and regulate. In the time I had this loan I paid them at least over 12k which is well over the original amount I owed which was no more than about maybe {$850.00} as I didn't make much money back then. I was a struggling single mom. This company is a criminal/loan shark preying on low income families to scam them out of more money then they have. And she accused me of " Debt By Deception ''. This would only be true, if I got the loan, then closed my account and then ran off without paying anything. I can see if they were never paid for the original loan, but after paying them over and over again at some point there should be a cap where they realize that they have received enough money in interest to close the loan. Have some integrity for the consumer instead of being greedy and then maybe this industry would have a better reputation. Have some morals to the consumers you serve, low income families who can't get a fair regular loan. But they are criminals/loan sharks and harassing people and their families with calls to create anxiety. Ace Cash Express should be the people in jail for their tactics instead preying on consumers with high fees and interest rates which they know is a trap and will never be able to pay. You want XXXX for a {$850.00} loan. That's crazy. I've paid this loan over 12x. Acknowledge that you have paid for the loan several times over and leave me and my family alone. Stop threatening me with wage garnishments, legal actions and XXXX County arrest.