davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an account from XXXX XXXX that was removed from my Transunion and XXXX credit file on XX/XX/XXXX due to identity theft. It was re-inserted back on my credit report as a collection which is a violation to the Fair Credit Reporting Act as of XX/XX/18. I am filing a complaint that this account has been reinserted on my credit report. I demand that this be removed permanently.
Consumer complaint received 2024-10-04
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX INQUIRY XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-10-04
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2024-10-27
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 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 2024-11-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CO)

I got sent to collections by Charter Communications. I contacted them and they were not able to pull up any account under my name, phone number, email address or physical address. Once I was able to get the debt collector to contact me, they provided the alleged debt owed for internet service XXXX, which is not even available in my area. The account information they sent me was under someone else 's name and address in a different part of Colorado than where I have lived for over 20 years. Again, XXXX  has no information of me ever having and account under my name. They also never sent me any kind of information, before sending this to a debt collector. The debt collector provided me with the information that is not mine and refuses to stop collections attempts until I jump through many hoops, even though it was proven not to be my debt, name or address.
Consumer complaint received 2024-11-06
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CO)

I used the CarXXXX Credit card for Dental work over the past 2 years and on XX/XX/year> I checked the account to see I was charge almost {$10000.00} for interest for the XXXX 
I was never told about this and never got paperwork that told me this was going to happen. For what I can see many people have had this happen to them and it is considered deceptive practices. 
I would like for them to reduce the amount of interest owed and to stop their deceptive practices.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America credit card I made my payment due on XXXX. I had trouble using the website to make the payment all day long. Finally at XXXX -- past my cutoff time, I was able to get in to make the {$35.00} payment and I immediately received a message that my payment was submitted and I received a confirmation #, which I took a screenshot of. When I went back to the website on XXXX to make a payment on another BOA acct, I saw that the payment made on XXXX was canceled and I was charged a late fee. I called Customer Service and they said they couldn't find any payment. I told them I had a confirmation # and the woman put me on hold. When she came back, she told the payment was rejected by my bank and that the conf # I received was from my bank -- which makes no sense at all. They refused to accept the conf # and told me it was my bank 's fault and they can not refund the late fee. I have NEVER paid my bill late ever! I called my bank who said BOA is full of it- my bank never even received an auth request of any kind- the conf # was not from them and they did not reject anything. I am very angry! What is the point of a conf # if it means nothing? Additionally, the woman I spoke to on XXXX was supposed to resubmit the payment and didn't. I had to do it today.
Consumer complaint received 2024-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Bank of America Credit Card XXXX XXXX XXXX After my XXXX or XXXX credit card late fee from BoA I'd had it. The problem, it's always been too difficult to set up XXXX! 

On XXXX XXXX, 2024 I searched How to set up Auto-pay on via search on their help page with no success, because no easy links were to be found. On the make a Credit Card Payment webpage, when I clicked the " (? ) How to '' button, it would show a drop down menu for a fraction of a second and disappear before you could click any option. One option appeared to show " Set up Autopay '' but I couldn't click it in time. 

Later on XX/XX/year>, I called and spoke to a BoA representative and they quickly showed me all I needed to do to set up Auto Pay was turn on something called " ebill '' then auto-pay options appeared!

The " (? ) How to '' drop down of course functioned correctly after speaking with the representative & setting up " ebill '' and auto pay, and I could click the option for more help to set up autopay.

In summary, at best, it is pretty clear to me they buried how to set up auto-pay info, couching it behind " ebill, '' and at worst they coded in a glitch to make it so the " (? ) How to '' on their credit card payment page didn't work and further hid how to set up autopay. Probably cost me around {$100.00} in late fees over the years till I got annoyed enough to track this down.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

On XXXX XXXXwo wires were made from my business checking account totaling {$9700.00} which was UNAUTHORIZED and FRAUDULENT. These wires were sent to an individual. Citibank never received my authorization to make these wires and now REFUSES to reimburse my business account. 

I have personally spoken with the bank numerous times and they fail to reimburse me my money. They claim I " inadequately protected my account ''. Not sure what they mean by that since the wire were never authenticated. 

In addition I sent this information to our Attorney General, XXXX XXXX, whom directed me to contact the Consumer Financial Protection Bureau. If nothing can be done then I will have no choice but to litigate this matter in court. Hope you can help me. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (GA)

On Friday XX/XX/year> Truist Cash Reserve Department took XXXX out of my account which I did not have available ; therefore it made my account overdrawn. Id made several attempts to contact the Cash Reserve department but was prohibited by customer service agents of Truist. I informed them that my XXXX XXXX XXXX and that I had missed work because of the matter. I explained that I was willing to make payments to satisfy the balance. I just needed more time. I asked for Supervisors on the occasions I called and was hung up on after holding for over 30 minutes. On today I was finally able to speak with a Supervisor and given a number to reach a department other than customer service. I have been stressing that Im willing and able to pay the balance off in increments. I just needed some leniency. They have also charged overdraft fees in my account due to errors on the systems behalf. Truist needs to be investigated. There is no telling how many other consumers theyve done wrong!
Consumer complaint received 2024-10-28
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. (NY)

I previously disputed these accounts with the relevant credit bureau ( TRANSUNION ) requesting that they verify the accuracy and legitimacy of these accounts in compliance with the FCRA. However, the credit bureau was unable to provide valid documentation or evidence to verify these accounts correctly, despite their legal obligation to do so. As a result, these charge-off accounts remain on my credit report, causing significant harm to my credit score and overall financial situation. 

The accounts in question are as follows : 1. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX  XXXX Last Reported : XX/XX/XXXX XXXX. Account Number : XXXX XXXX : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX XXXX Reported : XX/XX/XXXX XXXX. Account Number : XXXX Creditor : XXXX Last XXXX Since the credit bureau could not verify the accuracy of these accounts, I have reason to believe these accounts are fraudulent. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter because of the serious implications of having unverified and potentially fraudulent accounts remain on my credit report.

Under the FCRA, I have the right to dispute inaccurate or outdated information in my credit report. Specifically : FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation of disputed information and to delete or correct any information that can not be verified or is inaccurate.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) places an obligation on f
urnishers of information to provide accurate data to credit bureaus. If they can not verify the accuracy of the data they are furnishing, they must cease reporting inaccurate information.

FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) provides that if any information on my credit report is the result of an identity theft or fraudulent transaction, I may request the removal of that information by submitting an identity theft report. Though not an identity theft case, this se
ction emphasizes the importance of ensuring that information reported is verified and accurate, as any unverified or fraudulent entries must be removed.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports. 

I Attached to this complaint : previous dispute letter and a second dispute letter, FTC report, identity and address documents, accounts disputed, and all the inaccurate information highlighted. Thanks for your help
Consumer complaint received 2024-10-28
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. (PA)

This account was charged off on the following date [ XX/XX/year> OF FIRST CHARGE-OFF STATUS ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : TransUnion : [ XXXX XXXX XXXX ] [ XXXX ] Subject : Dispute Regarding Response on My Account and Immediate Deletion Request To whom it may concern : I am writing to express my disagreement with your response regarding my account, which continues to contain inaccuracies. Additionally, you have now altered the date the account was closed and have been marking the charge off status month by month, which is illegal according to the law. I am therefore requesting the immediate deletion of this account, as you are legally required to provide an accurate and error-free verification, and this account contains numerous inaccuracies. 

I ask that you resolve this matter appropriately and in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (AZ)

I took out a home equity loan. At one point a company called Specialized Loan Servicing serviced the loan. Specialized Loan Servicing sold the loan to XXXX XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX. Specialized Loan Servicing continued to report the account as open. Specialized Loan Servicing was acquired by Shellpoint/Newrez . Several attempts have been made to remove the loan on my credit report by contacting Shellpoint/Newrez . In limbo, several phone hours in, a couple weeks from initial credit dispute, unsure where to turn.
Consumer complaint received 2024-10-27
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. (MI)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( 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 a personal credit card collections accounts opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX, under account number ( 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Please see attached documents Thank you
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MO)

On XX/XX/XXXX, US Bank did a forced XXXX action of the amount of $ XXXX out of my checking account without any prior authorization or notification to me of doing so. Supposedly for an overdraft in XXXX that I did not know about nor was notified of. This is in violation of federal banking laws with US Bank not notifying me, as an account holder. I am a 100 % XXXX  disabled and I will also file a complaint with them as I am now unable to live and afford my healthcare.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX XXXX XXXX I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-28
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. (MI)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit report.
Consumer complaint received 2024-10-29
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. (NJ)

I am writing to formally request the immediate blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. I am a victim of identity theft, and these accounts are not authorized by me. Under the provisions of the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am entitled to have these fraudulent accounts permanently removed from my credit report.

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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: Experian Information Solutions Inc. (PA)

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 4XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5.XXXX XX/XX/XXXX XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2024-10-27
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. (AZ)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.