davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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)

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX XXXX Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law.

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/year> an ACH draft in the amount of {$880.00} was withdrawn fraudulently from my VyStar Credit Union business checking account under the description of XXXX XXXX XXXX. As soon as I reviewed my bank statement the following month, I contacted the bank 's customer service agents to report the problem since the bank failed to notify me. I was told by VyStar to directly contact the company they thought responsible ; I did so but they denied any charges. This is a company that I have not had any business with in at least XXXX  years and never purchased more than {$25.00} worth of services from. I contacted VyStar again, on numerous occasions ( at least XXXX ), and was told that they were researching it and that someone would get back with me. No one ever did. After at least a month of being put off I called again and was advised that I would have no recourse because I did not notify you within XXXX hours of the incident. 
After speaking with my attorney about this matter, I understand that under Regulation E and the Nacha Rules I have *60 days* from when the bank sent me my electronic statement in which to object to an unauthorized transaction. I provided timely notification but have not received satisfaction from my financial institution. I even sent them a letter 3x ( mailed, emailed and hand delivered ) to get recourse but they refuse to help. I simply want the money back that was stolen from me. 
I attached a copy of the letter I sent to the financial institution.
Consumer complaint received 2024-10-02
Product: Credit reporting 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: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-12
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. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX AND XXXX 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 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX 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 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 2024-10-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: EVERBANK, NATIONAL ASSOCIATION (NC)

On XX/XX/year> I scheduled a transfer from my external account to EverBank via EverBank 's online app. 

There was no record of this transfer being scheduled on my end nor did I receive email conformation of this. Therefore on Monday morning XX/XX/year>, I called EverBank. On the recorded line, I was told by the representative that he could not see any scheduled transfers. 

After this, I initiated a second transfer. However, I accidentally selected the wrong external account when telling EverBank where to pull money from. Normally, I would go into scheduled transfers and cancel the request moments after initiating it if an error was made but there were no scheduled transfers showing on my end. 

After the first call on XX/XX/year> and noticing my mistake, I called EverBank right back to see if they could see the second transfer I just scheduled. For a second time, I was told there were no transfers that had be scheduled. 

Since hearing these transfers did not exist, I initiated a third transfer from my other savings account at EverBank. This time the requested transfer did immediately show up on my end.

The next day I realized all three of these transfers, two of which I could not see and was told does not exist by EverBank, had gone through. 

The second transfer had overdrafted my checking account at my external account due to EverBank telling me that requested transfer did not exist even after I called in moments after submitting the transfer request. 

EverBank 's faulty system did not confirm my transfer request via the app, website, email, or verbally over the phone. I was told these two transfers were never received yet they went though which caused my external account to over draft. 

After hearing back from EverBank after reporting what had happened, I was informed they played the recorded calls, confirmed both representatives could not see any requested transfers but still could not do anything to help despite receiving inaccurate information directly from EverBank.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Re : Dispute of Unauthorized Inquiries on my credit report I am writing to dispute unauthorized inquiries on my credit report maintained by your agency. Despite my previous attempts to resolve this issue, these inquiries remain on my report. 

Unauthorized Inquiries : [ inquiry ] XX/XX/XXXX ] [ XXXX XXXX XXXX ] I have been a victim of identity theft, and someone has been using my personal information without my consent. I have contacted XXXX XXXX, XXXX, Equifax and informed them of the unauthorized activity. However, they have refused to remove the inquiries. 

Previous Dispute Efforts :. Date of initial dispute : [ XX/XX/XXXX ] Method of dispute : XXXX Phone/Email/Letter ] Company representative XXXX XXXX XXXX ] Request : I request that you : 1. Immediately remove the unauthorized inquiries from my credit report.

2. Conduct an investigation into this matter.

3. Provide documentation supporting the removal of these inquiries.

FCRA Section 611 Pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ), I request that you take prompt action to correct or delete the disputed information. 

Personal Information : Name : [ XXXX XXXX ] Address : [ XXXX XXXXXXXX XXXX XXXXXXXX la XXXX ] Documentation : I have attached a copy of my Identity Theft report ) to support my claim. 



I certify that the information provided is accurate and true. I authorize your agency to investigate and correct my credit report
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

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 2022-10-28
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. (AL)

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and US Department of Education XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Consumer complaint received 2024-10-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION (IL)

On or about XX/XX/XXXX, I tendered an executed agreement, application, and credit card information to NAVY FEDERAL CREDIT UNION ( NFCU ) extending credit through the consumer. 

The agreement stipulated that NFCU reserved the right to transfer or assign the agreement or any right or obligation under the agreement at any time to any party and also assign or delegate certain of its rights and responsibilities under the agreement to independent contractors or other third parties. 

The substance of this transaction was intended that in consideration of the extension of credit through the credit card of the consumer, NFCU would transfer the received credit funds into a transaction account or, alternatively, issue a draft payable to the consumer in exchange for security interest in the executed agreement and application originally tendered. 

On or about XX/XX/XXXX, NFCU sent written communication addressed to the consumer by first-class United States Postal Service mail which indicated that instead of transferring the received credit funds from the consumer into a transaction account or tender a draft payable to the consumer, it would ostensibly keep the executed agreement and application for its benefit and provide no benefit whatsoever to the consumer. See attached exhibit. 

In justifying its unfair enrichment, NFCU posited that based on information provided to it by a credit reporting agency, it would choose to benefit from the credit extended to it through the credit card of the consumer in exchange for no consideration.

According to the Consumer Financial Protection Bureau, the information furnished to NFCU was done voluntarily by unknown entities1.

Additionally, according to the United States Congress, there is a likelihood that voluntary information furnished to credit reporting agencies contains inaccuracies so much so that legislation was passed in order to combat such adverse phenomenon to consumers2.

I have never consented to having bona fide consumer transaction history, or non-verified consumer transaction history furnished to the various credit reporting agencies, and furthermore do not consent to the unauthorized use of the consumers credit card and unjust enrichment by NFCU. NFCU did not have actual, implied, or apparent authority for use of the credit card where the consumer received no benefit from the transaction, notwithstanding a basis of the furnishing of unverified consumer data. 

1 See, Consumer Financial Protection Bureau, Key Dimensions and Processes in the U.S.Credit Reporting System : A review of how the nations largest credit bureaus manage consumer data, at 15 ( XX/XX/XXXX ). 
2 15 U.S.C. 1681, et seq.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

Advertised lounge access does not work at the lounge. card advises free XXXX checked bags with XXXX XXXX but we still got charged for bags. Card declines randomly. Customer service is outsourced and are no help.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I 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, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-12
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. (MA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

Subject : Dispute Stall Tactic Regarding Signed Power of Attorney To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided.

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted this letter should be attached to my credit file as it has been acknowledged, but ignored.

Attached are the following supporting documents : My government-issued ID and proof of address The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Around XX/XX/XXXX of XXXX, I received a letter regarding an attempt to collect a debt from a Capital One credit card from a Loan Management company called XXXX XXXX XXXX XXXX regarding said credit card amount, the problem is is that I have never had a Capital One Credit Card, and according to the paperwork from the law firm involved. I attempted to get in contact with the law firm in question- within the time that hey had requested - I had a lawsuit filed against me. They did in fact send me information regarding the credit card- after notifying me of the law suit therefore after the first notification about the attempt to collect, and in that said packet they did provide a date in which the account was open which was XXXX of XXXX ; I was XXXX XXXX XXXX in XXXX, I do not believe that Capital One would knowingly allow a XXXX to have a credit card. I also did not possess a credit score until around the year XXXX ( Thanks to student loans )
Consumer complaint received 2024-10-12
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. (TX)

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. 
XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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.