davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-06-29
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$3600.00}.
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (FL)

My account was transferred to westlake protfoio management. I asked for proof they have my account. I never received when I call I am always disrespected by called maam. I have four times been transferred nine times been hung up on and when I have asked for a supervisor I never get one. All I want is a letter of voluntary surrender for my car. At this point I feel like a court action is needed. I have now on hold for the five time. 

My account number with them is XXXX.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (CA)

On or around XX/XX/16 I funded my savings account w/ an online bank. They immediately denied me online access. I have called them repeatedly and finally told them to remit the balance to me and close the account. There were 17 calls in all over these last 7 weeks. 

I have been variously told the there was a restriction on the account and then the story changed to it being under review. 

They at one point claimed that they couldn't send a verification code to my phone. I asked to speak to the rep 's manager and was told that it could be sent through the Post Office. I received the letter, call it in and was told that they could send my money. 

Nothing happened. 

Initially I told them to send a paper check. Later when I called about it I was told that they couldn't do that, instead they would reverse the electronic transfer that funded the account. 

Again nothing happened. 

This is enough money to easily qualify as XXXX XXXX in the State of California.
Consumer complaint received 2023-10-05
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: EQUIFAX, INC. (FL)

I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

On XX/XX/2023, I became aware after trying to use my Discover Card to buy gasoline that my account, which I had for over 5 years in perfect standing had been closed for reasons that the customer service team falsely made up. They claim they couldnt verify my identity, even though I have lived at the same address for many years, made timely and frequent large payments on the account to keep my utilization low at all times without any errors or mistakes in the entire history of the account. I never received any correspondence from them online, or by mail. If something was so important that they needed to reach me immediately they should have overnighted or sent a letter via certified mail, NOT regular mail. This just goes to show how outdated and pathetic their service is compared to other companies who employ modern technologies to communicate with customers. 

I believe myself to be the model credit card customer and take pride in maintaining a perfect credit history. I wasted over 2 hours on the phone, being transferred to multiple wrong departments and nobody could tell me why my account was closed. This is now affecting my perfect credit standing, dropping me over 40 points because the accounts are closed with a balance on them, making the card look like its totally maxed out. 

Additionally, I had over {$150.00} in rewards on the account that I can no longer use. To get these rewards, I had to spend over {$10000.00} in purchases. This is very wrong on so many levels. I have never been treated so unfairly by any card issuer and I have dozens of accounts with all major institutions who have never given me any problems like this.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I have a problem with synchrony bank which services QVC. I made a payment for my XXXX statement ( payment due mid XXXX ) Payment was made on XX/XX/XXXX  for statement balance. {$55.00}. Next payment due was XX/XX/. I made a payment on XX/XX/XXXX  for the XX/XX/XXXX payment in the amount of {$200.00} ( statement balance ). I received the new online indicator that my payment is delinquent and I am being assessed a late fee of {$5.00} on XX/XX/. I called the company XX/XX/XXXX  around XXXX spoke with XXXX, who would not resolve and said I made the payment 3 days before the next billing cycle for XXXX so they would not apply it to the XXXX cycle. ( even though it is after the due date of the XXXX  billing which was already paid ) I asked for a supervisor. Spoke with XXXX who is based in Ohio. He would not provide last name. Spoke with him around XXXX or so. He also reiterated that they will not remove the late fee and I am reported as late to the credit bureaus even though I pre-paid for XXXX 's bill. He verbally told me the XXXX statement I was delinquent for was {$5.00} even though I made the payment on XX/XX/XXXX  for {$200.00} which was the amount their website said was the new statement balance for the XXXX statement.
Consumer complaint received 2023-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (NY)

I, the consumer, and natural person, was denied credit by Bread Pay Financial, when I applied for credit in the amount of {$3200.00} for furniture goods from XXXX. Instead, Bread Pay Financial approved me for {$1500.00} and encouraged the consumer to re-apply in 90 days, as I may qualify for a different loan amount at that time. 

According to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 169k. 

Bread Pay ( Comenity Capital Bank ) subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against Bread Pay Financial due to the response I received. 


Bread Pay Financial is in violation of 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued for the demanded amount. 

Furthermore, because my social security ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bread Pay Financial ( Comenity Capital Bank ). 

As a result, under 15 U.S.C. 1611 and 15 U.S.C. 1691e, Bread Pay Financial ( Comenity Capital Bank ). Are civilly liable for any damages suffered.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Nav Technologies, Inc. (TX)

Nav Froze my account on or around the XXXX of XXXX with no warning or notification and left my funds unavailable to me when I needed them immediately. I had unauthorized transactions on this account in the amount of over {$1400.00} dollars and had to file a dispute with XXXX. I have since won the dispute with Visa but I feel NAV has frozen my account and placed it under a security review even when I have informed them I canceled all my debit cards after the unauthorized transactions and got new ones there is no more unauthorized transactions being charged and the account is secure I as the account hold know for a fact everything is above board even if NAV does not. I feel this just retaliation for my dispute that for some reason NAV has a problem with.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MN)

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 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

RE : Consumer ID XXXX On XX/XX/XXXX I sent a letter to XXXX XXXX requesting they place a security freeze as allowed by my state law as well as an updated copy of my consumer report. XX/XX/XXXX I received a letter dated XX/XX/XXXX requesting I sign a document to verify my identity in order to place a freeze. Enclosed was a copy of my consumer report. The form they request I sign simple repeats the verifying information that was provided in my original request. My letter included a copy of my current state driver license along with my SSN and DOB. 

My complaint is that the receipt of my consumer report indicates that I met the threshold for identification verification. I have complied with the requirements of MO 407.1382.1 ( 1 ) and ( 3 ) and XXXX XXXX has failed to comply with my request for a security freeze as required by MO 407.1382.2
Consumer complaint received 2023-06-28
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. (TX)

All three credit reporting agencies are reporting derogatory/inaccurate accounts on my consumer credit report. The accounts are listed as " charged off '' but I have never received a 1009C ( Cancellation of Debt form ) showing that the debt was cancelled. On XX/XX/2023, I reached out to each credit reporting agency regarding this matter, but nothing changed. The last date reported on some accounts are XX/XX/2023, so the inaccurate accounts have continued to be reported-even after the dispute. A couple of the accounts are showing the same account number but a different balance. I have copies of the letters that I sent to each credit reporting agency
Consumer complaint received 2023-06-29
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. (MN)

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 2023-06-29
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: EQUIFAX, INC. (MN)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (TX)

Called on XX/XX/2023 about credit report to public housing apartments was told my credit account was frozen and that the number on file needed to be verified the number was a old number but i was able to pull up my XXXX credit account and see the number on file and even change it i was speaking to the male representative on the phone who kept telling me that the information was incorrect and i was seeing it clearly with my own eyes i was able to verify the address on file as well as my social name and date of birth but because a old number was on file he said i had to wait 48 hrs and i was looking at the account with the old number which he was stating was still incorrect. I updated the number on my account and seen there were more discrepancies on my account as well it has multiple names i am unaffliated with as well as addresses which makes me nervous and suspect my account could be compromised.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

This account is reporting on my credit as late/missed payments when it was obviously fraudulent transactions on my account. Goldman Sachs investigated and helped me through the process by clearing the BALANCE due to fraudulent activity. Apple Card/ Goldman Sachs did NOT CORRECT the delinquency of payments on the account that was NOT connected to me!
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (MA)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1.15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

Sometime in late 2020, I received notice from XXXX XXXX for debt collection for a loan of {$710.00}, with interest now amounting to {$2300.00}. 

I have never borrowed money from, or heard of XXXX XXXX. 

I immediately contacted my local Police Department and reported this fraud. I filed a Police report. 
I have called XXXX XXXX on XXXX occasions to deny this debt. And I mailed a personal affadavit denying this debt. 

XXXX years have passed, and I thought the issue was resolved or forgotten. 

Now I received notice from a debt collection company. I spoke with them and they suggested the identitytheft.gov ; which sent me here. 
They allege that the money was deposited into a XXXX account ending in XXXX. 
we have a XXXX account that end in XXXX.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (OK)

My phone and debit cards was stolen on the XXXX of XX/XX/. I called bank of Oklahoma to block my card but whoever stole my phone was able to access my online bank and stole {$2000.00}. The bank claimed they will freeze my account and carry out and investigation and a dispute was filed with the fraud department. Today, I was told the my dispute was denied and that I owe the bank. I was spoken to in a horrible way by someone from the loss prevention department I assume. He spoke to me as if I had stolen my own money and asked my questions in that regards. Whoever hacked into my account also took money from my XXXX XXXX XXXX account. I am a victim of identity theft and I am currently filling a claim. I
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Credit report contain multiple inaccurate account information which has been disputed multiple times however is still appearing on report after I ha e made nu.erous attempts to.have it verified and corrected, the credit bureaus are accepting a final bill as a verification of claimed debt and not confirming it is even legitimate.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This has happened twice in XXXX years! The XXXX event happened today XXXX. 
Both events with BANK OF AMERICA! 
- Twice - BOA has allowed someone to open checking accounts in my name. Both times, my wife has received emails from BOA that MY account is approved. I have XXXX BOA accounts. They are using my social security number ( a whole nother BS topic for Congress ), an old address, etc. This time, BOA did tell me that the email address being used is XXXX Can someone get an IP address on this jerk? 
I tried to log into that account and it has a phone number ending in XXXX attached to it. I can't get any other details. BOA claim # is XXXX - Bank of America should have to monitor my credit for LIFE at this point. The also got me on a predatory loan years ago. 
- All of the Credit Bureaus are Frozen in my Wife 's, Mine and my Son 's names. This should NOT happen. Ever.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XX/XX/2022 Filling a collection under my name. 

i do not know who XXXXXXXX XXXX XXXXXXXX is nor have i ever done business with them or been lent any my by this agency for me to owe such debt nor do I agree with this debt on my report as I never signed anything. 

1006.18 False, deceptive, or misleading representations or means.