davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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. (NC)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

This CFPB complaint has been filed to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that check system reporting agency, block information on my report that is the result of identity theft, XXXX XXXX XXXX RTN/Acc # XXXXXXXX balance XXXX I went to a banking institution and wanted to open up a bank account but they told me my Chex systems account was a balance of XXXX but dont recall. This fraudulent inaccurate and false information result of identity theft and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires consumer reporting agencies ( CRAs ) to block the reporting of information in a consumer 's file if the consumer identifies it as a result of identity theft within 4 buiness days
Consumer complaint received 2023-10-04
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: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-04
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been a victim of Identity Fraud. Some thief opened a XXXX XXXX card in XX/XX/2023 with my social security number attached to it. I recently found out about it at the end of XX/XX/2023 when my XXXX card I have in my possession was closed. I received a letter and called the customer service dept to inquire about what happened to my acct. I was then informed about the XXXX XXXX. I quickly informed them I have not opened a XXXX XXXX  with XXXX. I was informed about the fraudulent charge total, the incorrect email address on file, the incorrect mailing address and the incorrect phone number attached to this XXXX XXXX. I later called back to confirm if this account was also closed along with my original and my only account I ever opened with XXXX. I was told it would take up to 90 days for an investigation to be processed. I have sent them a certified letter with an identity fraud affidavit, police report, credit dispute letter, FTC complaint letter and identity theft report.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint against Experian and XXXX for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by Experian and XXXX. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : Experian and XXXX are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, Experian and XXXX have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by Experian and XXXX. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by Experian and XXXX.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MA)

I'd like to get a credit card from Barclaycard because they are the sole issuer of JetBlue co-branded cards. 

Each time I apply, they deny me without pulling my credit report citing unsatisfactory account history with Barclaycard. 

I previously had credit cards with Barclaycard. For some reason they won't tell me they decided to close my cards on XX/XX/. It has been more than 7 years since this passed and yet they won't issue me a credit card. 

As a XXXX area traveler it's very important to me to have a JetBlue co-branded credit card, and since Barclaycard is the sole issuer of JetBlue cards I find myself in a bind due to Barclaycard 's lack of consideration in issuing me a credit card.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SANTANDER HOLDINGS USA, INC. (OR)

I went to XXXX XXXX in XXXX XXXX is their manager at the facility off of XXXX. I believe the XXXX  truck auto dealership I need a car super bad for work. I went in with a trade-in then spent over {$1000.00} closer to XXXX for insurance and everything down payments everything signed everything signed. Everything then gave them as collateral with another car, within 30 day With no payment for three months guaranteed. They call me in the first two weeks. Tell me that they need to put in a different car cause I wasnt approved for it. I said I wouldnt have signed everything if I wasnt approved for it so they let me leave the lot they let me spend all my money and then told me that I wasnt approved for the vehicle that I wanted The satisfied everything just completely irritated that they would only offer me a XXXX XXXX, but I had a car so I had to take it. I didnt want to and I wanted to cancel the contract right then and there they wouldnt let me. I told him I would not give the car back until they gave me my car back that I put in for trade because they have sold to the auction, repossessed it within 30 days 390 day that I did not need to pay until 60 days From the XXXX XXXX XXXX XXXX XXXX phone call from XXXX XXXX or give me my money back. They refused everything that I asked, then they came and repossessed the car while my wife was at work. And then charged me three times for the tow bill up to {$1800.00} The bank wrote a charge off without any information whatsoever labeled it completely inaccurate from the original agreement. Automatically, XXXX XXXX signed it over to creditors. Lied on the paperwork. Forced me in designing forced me into XXXX  myself without any full recognize consent any of that while Im asking XXXX different questions because it didnt seem right I have the original agreement management takes the debt next thing I know I have an identity theft from XXXX XXXX to Santander Banking and thats identity theft and they take no responsibility on a unsecured network didnt notify me didnt do anything but refuse deny and refuse all requested information and inquiries. They have a fiduciary DUTY, responsibility, and obligation to the beneficiary. And being honest is part of that contract now I have to file bunch of in needed paper work as well as a 1099C to all agencies. Because of this hoard and horrific event, I got screwed more than than once out of this deal. They crushed the car after they repossessed it and then somebody signed off on my car that I traded in through the DMV which is fraudulent. I never signed off on any vehicle.
Consumer complaint received 2023-10-02
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)

Please note, this is not a duplicate complaint and I'm not using any third party for this matter and represent myself by myself. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. My personal information was compromised, so as a result I got hard inquires on my report that I never authorized, I have not signed or applied to any of these creditors or companies who posted hard inquires on my report. The law says that you must block these accounts while being investigated, and I expect that you will do so. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file : XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX XX/XX/2023 ; XXXX  XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/XXXX, XXXX these items above should be removed from my report immediately.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am writing to formally dispute account numbers XXXX and contest the actions of PORTFOLIO RECOVERY relation to their collection activities towards me. I have reason to believe that their practices are in violation of my consumer rights under various laws and regulations. 

I hereby declare that I dispute owing any and all debts to PORTFOLIO RECOVERY and request immediate validation of the alleged debt in question. Furthermore, I demand the purchase agreement between PORTFOLIO RECOVERY and the original creditor pertaining to the said debt. 

It has come to my attention that PORTFOLIO RECOVERY has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) and yet has proceeded to report the collection on my consumer report. Additionally, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( C ).

Moreover, I assert that PORTFOLIO RECOVERY is violating my consumer rights through the use of false, misleading, and deceptive means in their collection practices. Their unauthorized furnishing of accounts to consumer reporting agencies without complying with necessary legal disclosures is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 27 ( A ). 

In light of these violations and discrepancies, I am formally revoking all rights of PORTFOLIO RECOVERY to communicate with me via email, text, or phone calls. Henceforth, I request that all communication be ceased immediately. 

Furthermore, I request that PORTFOLIO RECOVERY provides proof of being licensed and bonded as required by law. This information is crucial for ensuring compliance with regulations and validating their authority to engage in debt collection activities. 

I kindly ask the Consumer Financial Protection Bureau to investigate these matters and take appropriate actions to address the violations committed by PORTFOLIO RECOVERY. Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance in resolving this dispute. I look forward to a swift resolution to this matter.
Consumer complaint received 2024-04-02
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (TX)

Reliacard/US BANK shut my payroll debit card off without informing me before they did so. Told me that the system does it randomly and they said it was BC of fraud. If that's the reason, that's not random. 
Now, I have no money. I'm late on bills, plus late fees for not paying on time. 
I called them. US Bank, and they wanted an ID card or DL, but I'm homeless and haven't been able to get it renewed. I sent them my expired DL and my SS card, but said they wouldn't take those after telling me they would. 
Now, I have to at least get an ID card, but that costs money and I can't access my account. 
I called them 4 times and sent the copy of the cards 4 times. Only to be told that wouldn't work. 
I'm frustrated, and I'm hungry.
Consumer complaint received 2023-10-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2023, I attempted to make a monthly payment for my car note of {$600.00}. 

I noticed that the system was asking for me to pay {$1800.00}. I immediately called T. D. Auto Finance and asked why was the system prompting me to pay more. 

A representative told me that it was my last car note and thats why they were asking for the amount. I asked the representative if I could break that amount into XXXX payments. She replied yes, and said she would notate the account. 

The representative never told me that it would be considered a late payment and it would affect my credit. I assumed I was making arrangements in good faith with the company after XXXX years. 

I never paid off a car loan before, so I had no knowledge of how it works. The representative told me it was okay to pay it off in XXXX payments. 

A few weeks later, I checked my credit and disturbingly discovered my score dropped XXXX points. I never out of the XXXX years had a late payment with this company or no other company. 

If the representative would have informed me what would happen or just explained that it will be a late payment. I wouldnt allowed my score to be destroyed after all these years. I had a perfect record paying history with them. 

I worked too hard to maintain my credit score and now its destroyed. I cried out to other representatives with the company and to the managers.

Everyone gave me their empathy and sent it to a higher department that denied it. They say they listened to the recordings and they dont take the blame. I think this is very unfair.

A manager even told me that if I make the last payment beforehand, they will remove the late payment from my report. I made the last payment early. When I spoke with her again. She still gave me the bad news that they wasnt at fault. 

Another representative I spoke with from the company told me that she always inform her customers about the guidelines/consequences if something like this takes place. The representative stated that she wasnt sure as to why the initial representative didnt inform me or warn me about what could happen. 

Ive dealt with other companies in general in the past and they always make me aware of the risks. Im not sure why the particular representative failed me and also the company.

Im not sure why the initial representative I spoke with didnt inform me because now my credit score has dropped tremendously.

Im very sad, hurt and depressed. Im not sure what to do at this point. Its affecting my mental state at this point. I was excited to pay off this loan so I could buy a home. I know that will be very hard now since this company after XXXX years has failed me. 

I had a perfect payment history with them. 

Im torn. 
Please help. 
I would really appreciate it.
Consumer complaint received 2023-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (NY)

I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous. 

Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday. 

I was charged interest and penalties in the amount of {$38.00}. 

They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance. 

When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management. 

Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand. 

I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.