davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.
Consumer complaint received 2018-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was trying to open an account at XXXX XXXX but I was denied and they told me to call XXXX  XXXX  XXXX.When I reached out to XXXX, they explained to me about the attempted to transact with an account in a unauthorized and prohibited manner. I have no clue what they are talking about. It was 2 that they sent to me. This was with Bank of America that they stated I had an account with at the time.I 'm clueless to what their talking about and I'm trying to get this matter taken care of because I can't open up another bank account due to this reporting to XXXX XXXX XXXX. I'm looking to hire an attorney to see what's actually going on with this account. At the time, I was living in a alcohol and drug facility and i lost a lot of my personal information. 
My consumer ID # XXXX Bank of America I look forward to hearing back from someone soon. 
Thanks
Consumer complaint received 2018-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL (PA)

While talking with XXXX XXXX at XXXX XXXX XXXX about the debt in question I disputed the validity of the debt. After getting him to send me an email of what was owed and to whom I informed him that I did not know this was on my credit report and I would be disputing the entire debg. It was at that time I was called various names and profanities. This seemed completely unaceptable for anyone, especialy someone talking with people all day. After XXXX  the company and person I found that this is something this person does to alot of people. I received another message saying that the conversation was recorded and hope that can be used to stop this for anyone else.
Consumer complaint received 2024-11-05
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. (FL)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-11-05
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. (IL)

iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and 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 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this address is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is my current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS EMPLOYER IS NOT MINE
Consumer complaint received 2024-11-05
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. (MD)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items Need Attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} Late/Closed XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-05
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item 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 THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Consumer complaint received 2024-11-05
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. (PA)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting agencies for validation and verification of their reportings and they have failed to do so. Its been over 45 days and at this point I must demand for those attached accounts to be removed. Thank you.
Consumer complaint received 2024-11-04
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. (TX)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX XXXX HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$88.00}, XXXX {$170.00}
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Equifax placed a freeze on my credit score without asking or telling me and it is a mager undertaking to get it lifted .I would like it lifted and would also like to know what right they have to do such.
Consumer complaint received 2024-11-05
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. (IL)

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 Collections account with XXXX XXXX XXXX originally a XXXX phone account debt opened on XXXX XXXX XXXX. 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 # XXXX as proof from the XXXX 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 2018-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (IN)

Problem : XXXX transactions from XXXX can not be traced to the actual account that money was deposited to. 

Background. 
Discovered in XX/XX/XXXX that my XXXX XXXX recipient did not recieve payments that were processed from XX/XX/XXXX to XX/XX/XXXX. The first payment was a {$1.00} ( which was a test for this system ) and the rest of the payments were {$1000.00}. She recieved notifications and accepted the payments via XXXX. Unfortuantely She never actually checked the account that the money was depositing correctly. This account was a secondary account and chase is not her primary bank. The account that she registered her XXXX account with was a savings account. She does not have a checking account through chase. Primary accounts have been checked to see if money was deposited in her other accounts but nothing was found. The discovery was found when Chase contacted the recipient because their account was inactive and was soliciting them for investment options. The balance was reviewed and then the discrepancy was discovered. 

Accounding to Chase customer service XXXX XXXX can not deposit into a savings account and should of returned to my account within the week. I have documentation that all payments left my bank account but never returned. I also have documentation that the intended account never received the XXXX payments. 

The issues that complicate this case is the age of the transaction and that the recipient closed the account when they discovered the issue because they longer wanted to deal with Chase.

My Chase branch manager and staff have done all they can do to try to resolve this problem but because of the age of these transactions they are limited in what they can discover. The Branch and I have found the online support unable to deal with an issue like this and did not seem to know how to escalate it. Someone from " Research '' left a message with a phone number and an extension. I called back many times but was never called back. My branch also called this extension and never received a call back. We have repeated this process several times with no success. 

I need to know if trully this money can not be traced and that I'm not just a victim of poor customer service outside the branch level. I have banked with Chase ever since they bought XXXX XXXX. I do everything through Chase. I have a house payment, my rental house payment, a truck payment, savings, and two credit cards all through Chase. If I can not recover this money then at the very least I need to know what exactly happen.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I paid off the mortgage on XX/XX/2017. I received a Release many months later ; however, SLS has not notified the credit reporting agencies. I called SLS several times and only gotten the " run-around '' that papers would be submitted. This loan continues to show up on my credit report, namely XXXX and XXXX. I would like SLS to notify all credit reporting agencies that this loan has been fully paid.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 2018-08-08
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: First Technology Federal Credit Union (TX)

I have submitted information and spoke to managers @ XXXX  and they continue to deny or ignore my requests. They have failed to provide me with proof that XXXX XXXX XXXX is the person that authorized the inquiries.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXXXXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
Consumer complaint received 2024-11-05
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC (IN)

I need to report violations of the FDCPA by XXXX and XXXX XXXX XXXX in regards to an alleged debt in my name. XXXX is attempting to collect a debt that doesn't exist. They claim it is a XXXX credit card debt I had from XX/XX/XXXX-XX/XX/XXXX and even filed a lawsuit in the XXXX XXXX courts which honestly prompted me to make a few payments to avoid the lawsuit. I finally looked into the debt because I didn't remember ever having a credit card that long and I noticed the paperwork XXXX sent me was stating an APR of 29.99 % which immediately told me something was wrong. I was in the XXXX XXXX on XXXX XXXX during that entire time period and never had anything with an APR that high because thanks to the Servicemembers Civil Relief Act I was entitled to a 6 % APR on all my credit lines. I must assume this paperwork is modified or not real at all so I begin to do some research and I don't find anything anywhere showing I had a XXXX credit card during those times. I did however find a XXXX credit card debt that was closed satisfactorily in XX/XX/XXXX7. The chances of me closing a credit card and then opening the same exact card again 27 days later is very, very unlikely. This is clearly a fabricated debt with an unlawful APR, fabricated documents and a lawsuit that I just lost {$320.00} on trying to do the right thing. Although the debt doesn't exist XXXX filed suit anyway and collected 3 payments from me without ever attempting to mention anything. Even the document showing alleged account information shows the open and close date with an address I didn't live at during either of those times. All the information is wrong and yet they are reporting this account to the credit bureau 's and since I made those payments XXXX has re-aged the debt thus performing yet another illegal credit act. I have informed Cavalry about this, I have called XXXX and I have sent disputes through the credit agencies but they refuse to leave me alone. Please help me get this taken care and ensure all companies involved are punished accordingly. Thank you for your time.