davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-02-03
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: SYNCHRONY FINANCIAL (CO)

XXXX XXXX XXXX via XXXX XXXX XXXX and Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts above 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 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.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, we issue a Check ( No. XXXX ) from our checking account with Bank of America XXXX for {$830.00} for our monthly rent payment which was received by our landlord ( XXXX XXXX ) .and was deposited by them thru their bank XXXX XXXX XXXX XXXX 
Our bank paid and clear this check on XX/XX/2019 which reflected on our daily banking acitivity given to us by them. On XX/XX/2019, our landlord came to me saying that their bank ( XXXX XXXX XXXX XXXX ) did not credit them with the amount of {$830.00} for my monthly rent and was advised by them that I pay in CASH the rent amount plus the {$12.00} for the check was no GOOD.. I went to see my bank ( Bank of America ) on XX/XX/XXXX or XX/XX/2019 about this and was advised by the Manager that Bank of America paid and clear this check and that XXXX was credited for the amount. My landlord is insisting that I settle this by paying him again in CASH the rent amount of {$830.00} plus the {$12.00} fee saying again that my check is no GOOD. THIS LEAVE ME IN A FRUSTED MOOD ABOUT THIS.. FOR YOUR INFORMATION, MY ACCOUNT IS IN NO WAY LOW ON FUNDS NOT TO COVER THE AMOUNT INVOLVE. WHEN THEY DEPOSITED IT THAT TIME ( XX/XX/2019 ). i HOPE YOU WILL BE ABLE TO FIND OUT EXACTLY WHAT HAPPEN TO THE AMOUNT INVOLVED ON THIS FOR {$830.00}
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I have most of my statements attached for your review ( I have XXXX as well if needed? ) My situation was that they were charging me a credit card security fee and applying the majority of my monthly payments there without my permission or agreement. They never stated that would occur. Due to that I did not show balance was paid in full at years ' end. 

Please advise if you need further information, thank you.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/23 I went to a Truist branch location to deposit a {$250000.00} check drawn on a Truist account. I requested to deposit the Truist check into my Truist checking account and then pay the HELOC balance ( approximately {$170000.00} ). The first representative told the teller to cash the check, pay the HELOC, and deposit the remainder in my checking account. The branch manager then came over and told the teller not to do that and to deposit the check into my account. The branch manager then loudly explained that they could not cash a {$250000.00} check. When I explained that I didn't want to cash it, I wanted to deposit it and pay off my HELOC to avoid paying additional interest he loudly stated again that with a large deposit of {$250000.00} they could not do that. I explained that the other representative said they could do that to which the branch manager said loudly again that they couldn't do that with a {$250000.00} deposit. I asked him why, in a room filled with people, he would loudly state the amount of my deposit. His disregard for my privacy by announcing the amount of funds could very well get me robbed! The teller then stated that only a deposit of the Truist check to my Truist account could be made and that a hold would be placed until XX/XX/23. I explained that the money is in Truist and that a hold will cost me over {$100.00} in interest on the HELOC as I am not able to pay it off. The teller stated there was nothing she could do. The Truist check was deposited into my Truist account. Now I must wait out 5 days to pay my HELOC account. This delay, will cost me approximately {$140.00}.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX is currently in violation by reporting late payments on my consumer report The national emergency for the covid XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The XXXX act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. XXXX XXXX never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, XXXX somebody opening their own pawn shop or XXXX shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for XXXX XXXX. The law supercedes them and I never gave them authorization to report anything to my consumer report.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I opened a Citi bank account and deposited a money order from XXXX and my account was flagged as high risk and closed. A money order I payed for myself and wrote to myself to be able to make a first deposit as a check deposit.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is currently in violation by reporting late payments on my consumer report The national emergency for the XXXX  XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The Cares act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. Capital One never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, imagine somebody opening their own pawn shop or gun shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for Capital One. The law supercedes them and I never gave them authorization to report anything to my consumer report.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I noticed a charge on my XXXX credit card from Transunion dating back 15 months ( XXXX XXXX XXXX ). I tried to report fraud when I noticed it and changed my credit card on Monday XX/XX/XXXX. XXXX. Then, without my authorization, my new credit card was charged the same $ XXXX on XX/XX/XXXX. XXXX asked me to resolve it with Transunion and have the monitoring service stopped and reimbursed since I did not sign up for it. I called Transunion SEVEN times on XX/XX/XXXX and was hung up on, transferred and not helped until the SEVENTH call when I was transferred and then escalated. Finally, they determined someone named XXXX had falsely signed up for this service using my information and said they would cancel and reimburse me. I was horrified by the process of just getting to someone who could help resolve this. They couldn't help me any further in the fact that clearly my identity had been compromised since someone was able to sign up as me. 

BE AWARE of any Transunion charges and the terrible process to cancel.
Consumer complaint received 2023-02-03
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: Fay Servicing, LLC (NY)

Upon reviewing my credit report on XXXX, I noticed an unfamiliar company was added in XX/XX/2022. I disputed the company being on my report & learned that it was a mortgage account with my son in law as the primary account holder. I have never lived at the address. The account showed a never late status. I was NOT notified of the transfer of the original loan to this company, nor do I have ANY account information including an account number or contact information. On XXXX XXXX, I was notified that my FICO had dropped XXXX points from XXXX to XXXX. I immediately wrote a letter to the mortgage company & sent via XXXX from an address on my XXXX credit report to a listed address for the company in Texas. The letter was returned as undeliverable to me XXXX weeks later. I attempted to re-open my dispute on XXXX & have been denied. I personally have not made a single late payment in 30 years & enjoy exceptional credit which I've worked very hard to maintain. Again, I have no knowledge of this account other than that it is 30 days late. I would have worked out a payment had I known just to protect my credit. I feel that this is totally unfair credit reporting. In my attachments, I'm also submitting correspondence I made to NY XXXX Department XXXX XXXX XXXX.
Consumer complaint received 2023-02-03
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: JPMORGAN CHASE & CO. (CO)

JPMCB Card services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX  score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from XXXX that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from JPMCB Card Services on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted XXXX and they refused to dispute the duplicate hard inquiry. They directed me to JPMCB to request removal. I contacted JPMCB and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX  days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report XXXX  for their investigation into the validity of my my identity and application. 

My XXXX  score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

Grand larceny fraud has happened on my checking account in the amount of {$3500.00} and the bank refused to give me provisional credit and is requesting I wait up until 90 days to see my money. A fraud check was cashed and posted to my checking account.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

My name is XXXX XXXX XXXX XXXX, Passport XXXX, I have a PNC savings account number XXXX. Current address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Florida, XXXX, phone number XXXX. 
On XX/XX/2023 I received an {$18000.00} payment for services from XXXX XXXX XXXX on my personal savings account. The next day after, ( XX/XX/2023 ) I called directly the customer service line of PNC bank to review if check was confirmed and payment received at my account. The agent from the bank stated, after asking if the money could already be used, that transaction was completed and funds were already available to spend from that same day. As the payment had already been confirmed, I completed the services that I had been paid without any issue to the person referred. 

Four days later after this call ( XX/XX/2023 ), I check again on my balance and I see that the money had been removed completely from the account. I called to the customer service line again. At this moment the agent says that the checks bank account could not be found and funds were not available anymore. I tried to contact XXXX XXXX without any success to claim for the problem with the check, but it was not possible to contact him anymore and disappeared. I complained to the agent on phone about how this negligent misinformation provided, caused I had lost {$18000.00}. They apologized and transferred me to XXXX XXXX XXXX, case manager of retail support who simply said that it was a mistake and they could not do anything as the check account was not found and the money was lost. I explained several times that I trusted on the transaction as the bank officer clearly stated that the money was in my account available to be spent after being received. No responsibility was accepted and that was the end of the communication with the bank.
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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