davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (CA)

On or about XX/XX/2023, I opened an online savings account with Synchrony Bank. On XX/XX/2023, {$20000.00} was debited from my personal checking account with XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$5500.00} was debited from my XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$27000.00} was debited from my XXXX XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. A total of {$52000.00} had been deposited with Synchrony Back. 

As of today, XX/XX/2023, I do not have access to my funds and I no longer have online access to my account. I have spoken with Synchrony Bank on multiple occasions have been informed, most recently on XX/XX/2023, and I have been informed there is a restriction on my account and that the funds can be unavailable for up to an additional 60 days. I informed Synchrony Bank on multiple occasions that having my fund be unavailable for 90 plus days is unacceptable as this is a savings account and not an investment nor a CD and I will be irreparably damaged if I do not have access to my funds ASAP. I informed Synchrony Bank to immediately lift the restriction to my funds, or to remit my funds back to my originating accounts with interest immediately. Synchrony Bank has refused to do this. 

I have further informed Synchrony Bank that I have lost faith in their solvency, given the fact that I am not allowed to access MY liquid funds and now have grave concerns about the safety of my funds. This is even compounded by the fact that Synchrony bank has deleted my online access and have provided me with no statement indicating the amount of funds they are holding for me. From outwards appearance, it doesnt even appear that my account with Synchrony Bank exists. 

I have statements from all my originating accounts showing the funds being debited and remitted to Synchrony Bank. 

I demand immediate access to my funds, return of my funds to their original accounts with interest or FDIC insured coverage for my funds.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/23 around XXXXXXXX XXXX  someone went on Bank of Americas website and applied for an XXXX  account. Two emails were sent to me, one to verify my email address and the other to state that the account was declined. At first I thought it was spam, but then there was my credit score on the second email that alarmed me. I called the customer service number at BofA and spoke with four people. Two of them only found an old loan I had with the seven years ago. Then I was transferred to the fraud department and they found there was activity going on that morning. The person had my name, SSN, email address, and mailing address. They didnt have my phone number, but they gave a number. XXXX. I was instructed to call the credit bureaus to put a fraud alert on my account and to contact XXXX. I was told by a friend if BofA had approved that account, the person wouldve cashed it out, closed the account, and I wouldve been responsible for paying it back. Thats terrible. They did this online. Im so glad I caught it, and theres got to be a breach with someone I had business with in the past.
Consumer complaint received 2024-10-07
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-25
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)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-10-07
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. (AL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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. (GA)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, Iwill require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately.
Consumer complaint received 2024-10-07
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. (PA)

Trans Union has included negative information reported by XXXX XXXX XXXX {$850.00} ; on my credit file, despite the fact that I never provided consent or signed any application authorizing this agency to report such information. I have requested proof of a signed application or contract, including my valid drivers license, but neither Trans Union nor the reporting agency has provided this evidence. This raises serious concerns about Trans Union 's compliance with FCRA regulations regarding permissible purposes for accessing and reporting consumer credit information. The unauthorized reporting of this information has negatively impacted my credit score and financial standing, causing undue hardship. Again, I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.. I respectfully request that the CFPB investigate Trans Unions practices in this case and take the necessary actions to have this derogatory information removed from my credit report immediately.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2024-09-14
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for the improper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXX XXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX  and XXXX XXXX further exacerbating my XXXX XXXX challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the mental distress caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2020 XXXX hrs, I received an email from Macy 's credit card services about important information concerning my account. -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On the notice it states inaccurate information of a minimum required payment is {$11.00} when in actuality the minimum required payment is {$10.00}. -- -- -- -- -- -- -- -- -- I called the agency XXXX XXXX expressing concerns that if the minimum payment is only {$10.00} which I have already paid but in the email is states that I owe {$11.00}, I am concerned that this may charge me a late fee of not paying {$0.00} cents and disrupt my credit. -- -- -- -- -- -- -- -- -- -- -- -- - The representative who I spoke to asked me for my email address so she would send me information that should arrive in ten minutes confirming what is actually owed for the minimum require payment. -- -- -- -- -- -- -- -- -- -- -- - I have yet to receive any email.
Consumer complaint received 2023-01-19
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. (CT)

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 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. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT under 15 USC 1681b. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why are you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did NOT request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS under " investigative report ''. You have also now responded with a letter saying you could not verify me even tho i sent a photo copy of license and billas as needed which leads me to believe you are PURPOSELY STALLING YOUR DUTIES. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o
Consumer complaint received 2023-11-01
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: Experian Information Solutions Inc. (MA)

I am writing to bring to your attention a dispute I have with Experian concerning inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to address the following discrepancies on my credit report. To date, Experian has not responded to my inquiry. The following details the incorrect information and the necessary corrections : The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) has never had any late payments. Please remove the late payment notation from my credit report for this account. 


The account for XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$340.00} ) has never experienced any late payments. Please update the inaccurate information on my credit report for this account.
Consumer complaint received 2024-09-13
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. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-07
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. (PA)

TransUnion Credit Reporting Agency, Request for Blocking Fraudulent Information Pursuant to FCRA Section 605B, I am writing to formally notify you that I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request the immediate blocking of fraudulent information appearing on my consumer credit report, as provided for under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ). I expect that you will take the necessary action to block this information within XXXX business days of receiving this complaint. 

The fraudulent entries in question include the following accounts : Account XXXX : XXXX XXXX with a balance of {$0.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX balance of {$7500.00} Account XXXX : XXXX XXXX XXXX XXXX XXXX balance of {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been falsely reporting inaccurate and misleading information on my credit reports. I want to clarify that I have never engaged in any business transactions with this entity. They have submitted a fraudulent document claiming that I owe them a debt, despite the fact that I have never consented to any agreement with them, nor have they provided me with any capital, funding, or credit in any capacity. 

The presence of these fraudulent accounts has led to multiple hard inquiries and wrongful collections on my consumer XXXX credit report. I do not recognize any of these accounts or the associated collections as legitimate. All of the aforementioned accounts are the direct result of identity theft and fraud. 

To substantiate my claim, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXXXXXX, issued by the XXXX Federal Trade Commission. This document serves as proof that the accounts in question are a result of identity theft and should not be reflected on my credit report. 

I appreciate your prompt attention to this serious matter, and I look forward to your immediate action in rectifying my credit report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>