davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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: CBC Companies, Inc. (TX)

I am writing to formally dispute the inaccurate information reported on my credit report regarding my XXXXXXXX XXXX  secured credit card account ( Account No. XXXX ). Below are the discrepancies I have identified : This account was opened as a secured credit card in XX/XX/XXXX, funded with {$300.00} of my personal funds. Currently, XXXX of the XXXX major credit reporting agencies, as well as Innovis, are reporting a past due balance of {$310.00} as of XX/XX/XXXX, despite the account being charged off with a {$610.00} write-off. Additionally, the reports reflect that the account was 30, 60, 90, and 120 days past due from XX/XX/XXXX through XX/XX/XXXX, while the balance remained at {$310.00}. When I contacted Innovis in XX/XX/XXXX to request documentation and allocation of payment, I was informed that an investigation would be completed and an updated consumer report sent. To this date I have not received a response, I also informed Innovis that I requested the account be closed and the {$300.00} security deposit I used to open the account was never refunded, leaving me uncertain as to how I owe {$610.00}.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (TX)

I filed a dispute for XXXX and XXXX XXXX for XXXX and XXXX for XXXXXXXX XXXX because my money had been stolen I am filing a police report now that I have all the information I need they denied my claim even though I provided them text messages that my money was stolen no one has been able to give me any information on why my claim was denied it just is denied
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I requested at the local Bethpage Federal Credit Union branch in XXXX for my 2015 and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records. 

Bonus Checking Account # XXXX
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DE)

Student loan payments made between XXXX I made student loan payments to Pennsylvania Higher Education Assistance Agency XXXX PHEAA ) Default Collections through the AES XXXX XXXX, from XX/XX/XXXX through XX/XX/XXXX, while working full-time in qualifying public service at the University of Colorado. These payments are missing from the XXXX XXXX XXXX XXXX tracker. If these payments- which were $ XXXX and totaling over {$XX/XX/XXXX} that I paid - I will have fulfilled the XXXX payment requirement to receive forgiveness. 

I have XXXX email confirmations from XXXX for each of the payments of {$XX/XX/XXXX} that I made between XXXX through XXXX. Please find these payments that I made and apply them correctly to my account. 


XXXX XXXX XXXX ss # XXXX PHEAA Account # : XXXX Email ID : XXXX Account ID : XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-21
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. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-10
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: Block, Inc. (NJ)

On XX/XX/year> I attempted to withdraw {$400.00} from a XXXX ATM in XXXX. The ATM did not dispense my cash. A cash dispense error popped up in the screen saying my transaction would be cancelled. The money was deducted from my account but no dispensed. I took a picture of the error screen and the ATM ID number. XXXX told me to contact XXXX. I did. They placed me on hold and contacted their third party atm vendor who was able to see there was indeed an error and my cash was not dispensed. They told me to contact my bank and they should give me my money back with tho issue and they created a report so that when they were contacted they could validate that it was indeed their atm that was the issue. Cash app has refused to give me money back or contact XXXX. I have sent proof and XXXX is willing to validate. They told me 45 days. Then sent an email saying 7 days and still nothing. I am out {$400.00} and getting a run around.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
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 am writing to formally request your assistance regarding a charge-off account I believe is incorrect on my credit report. This account is negatively impacting my creditworthiness, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of my credit information.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (PA)

My account with ALLY FINCL was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

ALLY FINCL Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

I requested at the local Bethpage Federal Credit Union branch in XXXX for my 2015 and beyond bank statements and online bill payment records for which I need for a critical purpose. Bethpage refuses to provide the bank statement and bill pay records.

Bonus Checking XXXX
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My name XXXX XXXX XXXX XXXX, Im music producer and recording artist based in Florida. 
On Thursday XX/XX/XXXX, I whatsapp messaged XXXX ( XXXX ) XXXX a number who I was told represents music label/company called XXXX XXXX XXXX XXXX entertainment is in charge of the international musical artist XXXX I messaged in interest of collaborating XXXX tracks with shenseea and the said number promised that. 
I sent him a few beats and said the XXXX was interested and he also called me on the phone where we discussed further. He sent me a contract to sign pertaining to the projects and told me the fees associated with the projects. Everything totaled to about XXXX. 
He instructed me to send it to a zelle number XXXX XXXX XXXX, which i did. XXXX transactions was made in. XXXX for XXXX XXXX XXXX for XXXX $ and XXXX for XXXX $ of the coarse of XX/XX/XXXX and XX/XX/year>. The registered number is associated with woman named XXXX XXXX and the number is registered in NC. After the last payment the said number stopped replying me. 
It was confirmed that this number is not associated with the actual company XXXX XXXX through the company itself. So it evident this was a scheme/scam. 

I have submitted a claim with Bank of America which seemed to have denied my claim and or not willing to help since they closed my case with mo real information pertaining to why. 

Its unfortunate I got tricked into this scheme but Bank of America should have been able to do more
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MI)

I am writing to formally dispute the ongoing inaccurate and misleading reporting of an XXXX account, as reported to the major credit reporting agencies ( including but not limited to : XXXX, XXXX, XXXX, and Innovis ). 

The payment history provided by the credit reporting agencies shows XXXX repeatedly reporting " Charge Off '' ( CO ) every month in XXXX and XXXX, despite the account being charged off in XX/XX/XXXX. A charge-off is a one-time event, and continuous monthly reporting distorts the actual history of the account. Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers have a legal obligation to report accurate information, and this repeated reporting is both misleading and damaging. 

In a previous attempt to resolve this matter, XXXX 's response states that the account was charged off, and the balance was written off, yet my report continues to show a past-due amount of {$1600.00}. If the debt has been written off as stated, there should not be an outstanding past-due amount. This contradictory information violates 15 U.S. Code 1681s-2 ( b ), as they are obligated to correct and update inaccurate information upon dispute. 

XXXX acknowledges the ongoing reporting of this disputed debt, yet refuses to remove the tradeline despite its inaccurate status. This constitutes defamation, as the continuous reporting of incorrect information tarnishes my financial standing, leading to denials of credit and financial harm. Under 15 U.S. Code 1681n, you are to be held liable for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), and Discovers negligent actions have defamed my credit reputation. 

While XXXX claims that the matter has been " thoroughly investigated, '' the continued reporting of false and conflicting information demonstrates otherwise. Under 15 U.S. Code 1681i, they are required to properly reinvestigate a dispute and correct any errors. 

Therefore, I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition, given the unlawful, negligent, defamatory, and willful actions and practices of XXXX, XXXX, XXXX, XXXX, Innovis, and all other persons/companies involved in the reporting of this account, I request a compensation check in the minimum amount of {$1000.00}, payable to XXXX XXXX XXXX for the damages caused to my credit and financial standing under the following laws including but not limited to : 15 U.S. Code 1681n for noncompliance with federal law, 15 U.S. Code 1681o for failing to ensure the accuracy of the information reported which has caused consecutive credit denials and ridiculously high interest rates, 15 U.S. Code 1681i for failure to conduct a reasonable investigation into my disputes, and defamation for willfully and negligently reporting false information that damaged my reputation as a financially responsible and creditworthy person.
Consumer complaint received 2024-09-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc (MI)

This company is reporting that I owe much more than I actually owe. Therefore, according to these laws and sections they have been violating my right to privacy according to lawful and fair reporting of accurate information. 

15 USC-1681s-2 ( A ) ( 1 ) 15 USC-16819 ( a ) Section 602 Section 604
Consumer complaint received 2024-08-21
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. (NY)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. ()

Dear Sofi Legal Team, I am writing to express my deep frustration and concern regarding the recent restriction placed on my account. Despite numerous attempts to contact your team, I have not received a clear reason for the restriction or a timeline for its resolution.

The restricted transaction in question is an owners draw from my company account to my personal Sofi account. This situation is particularly urgent because I need to make a down payment for a house closing, and the restriction on my account is jeopardizing the entire process. 

I kindly request that this issue be addressed with the utmost urgency to avoid any delays or complications in the closing of my new home. If you require any additional information from me to expedite the resolution of this matter, please do not hesitate to reach out. I am available to provide any documentation or details needed to resolve this issue as quickly as possible. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCountry Mortgage LLC (PA)

This complaint to XXXX for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX