davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AZ)

I'am currently in the process of obtaining a home loan and I am experiencing allot of trouble with getting info regarding my credit report for Equifax. I 've sent over my personal info such as driver license, social security, pay stub, and XXXX forms to show documentation showing that I'am who I'am. I 've spoken with reps at there office numerous times and also had my info faxed over as of recent. I faxed over that info on X/XX/17, and sent overnight on X/XX/17. I was told that after I did this I could gain access to credit report. Now I am being told that it will take another 30 days to investigate and made corrections, I was mislead to believe that i would get info in shorter time after i was told i would have access to my report. There saying that there i'sent anything on my file when i do have credit and my mortgage company has other 2 credit reports from the other credit bureaus.
Consumer complaint received 2024-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed
Consumer complaint received 2024-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (CA)

I have a bank account with money network and some scammer got into my account and transferred {$1100.00} to a personal account through my account without my knowledge and I filed a dispute with money network to get my money back but they wont do anything about it and its been 10 days I filed a dispute on XX/XX/year> and still they are investigating it but wont give me temporary credit I really need that money and fear they will deny my dispute so I will just be out of luck and loss of {$1100.00}. Please if there is anything you can do please let me know thank you.
Consumer complaint received 2024-11-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

Description of complaint : Greetings. I purchased jewelry from JCPenney in XX/XX/XXXX. I went to return the item On XX/XX/XXXX. I was refused a refund because the store manager said I exceeded the return policy of 60 days. However, I have the original receipt and there is no policy stated on the front or back of receipt. There is also no return policy stated throughout the store ( I have pictures to prove it ). I was told by the clerk that I should have gone online to review the policy, however I purchased my item in store, I simply wanted to return the ring and have the credit refunded to my card. I am financially burdened and decided to return the jewelry because I realized I could not afford the payment to a change in circumstances. According to consumer protection act, it prohibits the use of deception, false pretenses or suppression or omission to any fact that is material to a business dealing or transaction. JCPenney 's policy was not and is not stated and clear for consumer choices. I would really like for them to remove this from my credit as soon as possible.
Consumer complaint received 2024-10-28
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. (GA)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

On XX/XX/year> XXXX, withdrew {$1800.00} from my XXXX XXXX XXXXXXXX XXXX checking account at the XXXX, XXXX  location ( XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX ). On the same day ( XX/XX/year> ) at XXXX I attempted to deposit that {$1800.00} into my Regions checking account at the XXXX  XXXX location ( XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ). The ATM did not deposit the money but also did not return the money. The ATM provided me with a " receipt '' that says " We encountered a problem returning your item ( s ). Please contact your financial institution. '' I immediately parked and went into the bank. I was assisted by XXXX XXXX ( who was rude and apathetic ). He advised the only thing he could do was file a claim. The claim ID provided was XXXX. I then called customer support to see if there was anything they could do. I don't remember who I spoke with, but they were not helpful either. I allowed time to for the claim to process, then on XX/XX/year>, Regions provided a {$1800.00} credit to cover what the ATM stole. I thought the error was fixed and all was well. On XX/XX/year>, Regions took back the {$1800.00} credit, causing the checking account to overdraft {$1100.00}. I received a letter from Regions stating they investigated the ATM and advised " ATM terminal was investigated, and your deposit was not located. ATM was in balance, which indicated no ATM error occurred ''. This is false and Regions STOLE my money. If there was not error, why did I get a " receipt '' stating, there was an error. They could have easily looked at the camera footage and saw that the money was never returned to me and clearly was never deposited into my account. I have bills that are in process of coming out of that account and now I will have to deal with returned payment fees from those companies. I am unable to go grocery shopping to feed my family of XXXX. To make matters worse the customer service experience throughout this process was ATROCIOUS, no empathy whatsoever.
Consumer complaint received 2024-09-19
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 submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

This account is a certificate of indebtedness; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX XXXX account number XXXX  has violated several of my rights as a consumer. Furthermore, 
the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of XXXX (5 U.S.C.  552a) (b)Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be (12)to a consumer reporting agency in accordance with section 3711(e) of title 31.This also violates the Gramm-LeachBliley Act (15 U.S.C.  6801). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.
In addition,12 CFR  1016.7 Form of opt out notice to consumers; opt out methods.
Section (a) (1) Form of opt out notice. If you are required to provide an opt out notice 
under  1016.10(a), you must provide a clear and conspicuous notice to each of your 
consumers that accurately explains the right to opt out under that section. The notice must state: (i) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party; (ii) That the consumer has the right to opt out of that disclosure; and (iii) A reasonable means by which the consumer may exercise the opt out right.
 I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Consumer complaint received 2017-06-27
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: EQUIFAX, INC. (FL)

I mailed a certified letter to Equifax on XX/XX/XXXX via XXXX, FL Post office @ XXXX XXXX, certified number XXXX, which per the USPS website was confirmed received at Equifax on XX/XX/XXXX @ XXXX XXXX. As of todays date, I have yet receive results of the investigation and it is well over 30 days. I have done my due diligence by mailing the document and the postal service has done theirs by delivering it. Equifax has violated the Fair Credit Reporting Act, in which they have failed to respond to my written request within 30 days, FCRA Section 611 Part ( A ) ( 1 ). I have attached a copy of the certified letter, certified mail receipt, along with confirmation that the letter was delivered. I called in to Equifax today and spoke with one of their representatives in XXXX named XXXX who advised she/he ( couldnt tell if it was a male of female voice ) didnt see any letters from me within the timeframe I advised of. I told XXXX that this was sent certified mail. I called back and spoke with a U.S. rep didnt get her name, who advised me that the letter I sent was illegible. I asked how a letter could be illegible if it was type written, printed and sent in via certified mail. She was at a loss for words once the question was posed. I advised that these accounts all needed to be deleted as they have failed to send a response back to my request within 30 days. She said the only thing she could do was to put the items under dispute, I told her, unsatisfactory. <P/>I also spoke with XXXX in the Consumer Affairs Department on XX/XX/XXXX, who wasnt able to offer any options other than placing the items under dispute now, which I advised was unsatisfactory as they have already violated the law. <P/>I am demanding complete deletion of the accounts listed on this letter as they have failed to respond within the 30 day timeframe they are allowed under the Fair Credit Reporting Act. I am not asking them to put these items under dispute at this moment, as they have failed to do what they were supposed to do and items have to be deleted immediately.
Consumer complaint received 2024-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

Company Keep send me letter saying that i owe them Money when I have never signed an agreement with them. This dept looks to be from Wells Fargo. I never gave Wells fargo permission to sell my personal information to any one. This is the XXXX letter from XXXX in which they have not said how they retained my information from Wells Fargo. They have also failed to show my signature, account information. only to send letters saying that i owe them.
Consumer complaint received 2024-10-26
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. (VA)

in accordance with the fair credit reporting act convergent account # 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (CA)

My son had an XXXX visit on XX/XX/year>. The XXXX XXXX XXXX did not provide me with a copy of my bill or notice that we owed a payment to them for services rendered until I received the attached collection notice through a text message link. I don't believe they have my correct mailing address as the debt collector 's notice has outdated information. 

I contacted their XXXX customer service line. They refused to pull the bill from collections and said that they obtained the mailing address from the hospital. The hospital sent me their bill without an issue. XXXX wants me to pay for bill so that the collection can be removed but I don't have not seen the original bill nor was it properly mailed to me. They said that their system sends out statements without verifying the mailing address. I provided them with my correct mailing address.
Consumer complaint received 2024-10-26
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)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-26
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. (VI)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX. XXXX {$7500.00} XXXX. XXXX XXXX {$24000.00} 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 # ( private case number ) 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello so Im cleaning up my report from identity theft that was taken on me for years. So there is a vehicle loan on my credit report with Transunion and XXXX by XXXX XXXX  that is fraudulent and marked as repossessed says I owe a balance of $ XXXX, it was a scam and I sued for it and also had investigators involved on this and it was proven accurate with XXXX already and they removed it. I did the same with the other 2 bureaus but they didnt take any action. Or got back to me Only XXXX took action & responded, So now its inaccurate information on my report. 


Everything has to be 100 % accurate on my credit report. 

This ground for removal they also violated 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 Also the Credit bureaus took more than 30 days to complete my investigation EXCEPT XXXX
Consumer complaint received 2024-10-26
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. (GA)

I recently reviewed a copy of my credit report and found that I have fraudulent activity on this account on my report. Please remove this account immediately, and send me an updated report. Thank you for your prompt assistance in this matter.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AL)

I am writing to bring to your attention inaccuracies present on my credit report, specifically related to certain collections accounts that are currently being reported. These inaccuracies are causing significant damage to my creditworthiness and financial well-being. I have thoroughly reviewed my credit reports from all three major credit bureaus, and I have identified several collections accounts that do not accurately reflect my financial history. The inaccuracies include accounts that do not belong to me because the debt collector purchased them, and I have never engaged in any business transactions with the third-party debt collector. 

I am aware that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute and request the removal of inaccurate information from their credit reports. In accordance with this law, I kindly request the following : 1. VERIFICATION OF THE ACCURACY : I request that you investigate and verify the accuracy of the collections accounts listed above. Please provide documented proof of the validity of these accounts, including any contracts, agreements, or other relevant information. 

2. REMOVAL OF INACCURATE COLLECTIONS : If the accuracy of any of the identified collections accounts can not be verified, I request their immediate removal from my credit reports. This action is necessary to ensure the accuracy and fairness of my credit history. 

3. UPDATED CREDIT REPORTS : Once the investigation is completed and any inaccuracies have been corrected, please provide me with updated credit reports reflecting the accurate and amended information. 

I want to emphasize that the accounts identified as belonging to the third-party debt collector were acquired by them and do not have any connection to me. I have never conducted any business transactions with this debt collector, and these accounts do not represent any valid financial obligations on my part. 

I kindly request that you initiate the investigation process as soon as possible and respond within the 30-day time frame mandated by the FCRA. Your prompt attention to this matter is greatly appreciated. Please send all correspondences related to this dispute to my address listed above. I am providing this information to facilitate communication regarding this issue. 

I value the accuracy and integrity of my credit reports and trust that you will conduct a thorough investigation to resolve this matter effectively. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the correction of these inaccuracies on my credit reports. 

Sincerely, XXXX XXXX