davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

on Monday, XXXX XXXX XXXX I tried to use my debit card at that my card was declined upon calling Bank of America I was told that my account was closed and that I would not be able to access my money I am currently traveling in the US and advised them that I needed the money and that nothing fraudulent occurred and they refused to reopen my account or make my checking account funds available to me.
Consumer complaint received 2023-04-11
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. (CA)

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 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, has violated my rights. 

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 2024-08-30
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)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the finishers of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (PA)

This Credit reporting company is not taking the 30 days for there investigation. I am being told the investigation is updated and verified without contacting the company. There are alerts placed on my credit profile letting the Credit reporting company aware old account is written off and should be remove, because the account was sold to a collection companies which they did not give a copy of the purchase agreement. There was a employer reporting on my file XXXX XXXX was asked to be remove and I was told it was verified when the company was not asked about them being listed. There more accounts on all three of profile being reported. Please I need your help in remove this account that I have be disputing
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (PA)

Towards the end of XX/XX/scrub> 2024, I logged into my account to review my total balance due so I could pay off my credit card. When I logged in, it provided my with the amount next to Total Current Balance due : {$5300.00}. I also verified this with the current statement that runs fromXX/XX/2024-XX/XX/2024and it showed that my current balance matched what I saw on my dashboard. I submitted an ACH payment on XXXX XXXX,2024 for the current balance due of {$5300.00}. The way an upgrade card works is the interest is pre-calculated. My payment shows that I paid the interest and principal. My assumption was that I was paying the total balance and paying this card off. I was checking on my credit report for the balance to be updated and noticed Upgrade had not updated my credit report since XXXX of 2024. On XX/XX/2024 I logged back into my upgrade account and saw that I now had a total balance due of XXXX. I called Upgrade to see what was going on and spoke to a manager and he informed me that Upgrade does not include the interest in the current balance due. I asked him how I would know based on my statement and dashboard what my total balance is and my interest is and he informed me that I had to call Upgrade to get that information. This seems absolutely like a scam that they provide you with a balance, you pay it off and then they add to the balance. If the interest is not included in the balance on your dashboard, why is it now showing on my dashboard? This is deceitful business practices and they should not be allowed to produce statements and mislead the consumers in this manner. I do not feel comfortable paying any more money to this company.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies (NV)

Dear CFPB, I am writing to formally dispute the inaccurate information being reported by Prestige Financial Services regarding my auto loan account. According to Prestige Financial, my account is being reported as open, past due, and with late payments. This has affected my credit and bringing my score down XXXX points when Prestige reported on XX/XX/XXXX my account was negative outstanding balance and still open. However, I paid off this loan in full on XX/XX/year>. When I contacted Prestige on XX/XX/year> making them aware of this error. I was told it takes two weeks from the date it was paid XX/XX/year> to receive a letter stating that it was closed. No letter has been received and the account is still reflecting negatively on all three credit bureau reports. 

I have attached documentation showing the final payment made and confirmation from Prestige Financial Services that the loan was settled in full on that date. Despite this, they continue to report the account inaccurately, which is affecting my credit standing. 

I request your assistance in resolving this issue and having the incorrect information removed or corrected on my credit report. 

Thank you for your attention to this matter. I look forward to your response and a swift resolution. 

Sincerely, XXXX XXXX Prestige financial services account number XXXX
Consumer complaint received 2024-08-24
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-09-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Certified Solutions, Inc (NJ)

This company, Accounts Receivables, has called me multiple times from multiple numbers after I stated this is something that should have already been managed and to send me it in writing. They rudely said they already did that and would send it again and I still never received anything. They have since called from multiple numbers all starting with XXXX. I have blocked a few as they are harassing at this point and then will get a call from yet another of their numbers.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Portfolio Recovery Services calls me at least daily. When I have spoken to representatives, they confirm that I do not have a debt and say they will take me out of their system. They also have a debt lookup feature on their website and when I enter my information, nothing comes back. Yet they continue to call and harass me every day for months.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-08-19
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

On XX/XX/year>, I noticed a charge of {$230.00} on my XXXX debit card from XXXX that I did not authorize. The transaction occurred on XXXX XXXX XXXX, and the item was shipped to XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. My card information is saved on my XXXX account, but I did not make or authorize this purchase. My card was in my possession when this transaction occurred. 

Immediately after discovering the charge, I notified XXXX and contacted Money Network to dispute the transaction. Despite my efforts, my claim was denied without a thorough investigation. I request that you re-evaluate my dispute, thoroughly investigate the unauthorized transaction, and restore the disputed amount to my account.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

I purchased three XXXXXXXX XXXX XXXX a week ago, each loaded with {$500.00}. When I tried to use them on multiple days, they didn't work. They all decline any attempted transaction. These cards have never worked for me. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their XXXX XXXX XXXX. At times several cards will decline, and will not work even with future attempted purchases.
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: ALLY FINANCIAL INC. (PA)

I am writing to formally dispute the inaccurate late payment entries reported on my credit profile associated with my account with Ally Financial. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, creditors must ensure the accuracy of the information they report to credit bureaus. I have maintained a consistent payment history and have never been late on any payments. 

Despite my request for documentation to validate these late payment claims, I have not received any evidence supporting this assertion. Under 15 U.S.C. 1681i, I have the right to dispute information in my credit report and request that you investigate the accuracy of the reported late payments. Without sufficient documentation proving that I was late, you are obligated to correct my credit report and remove any inaccuracies. 

I urge you to review my account and the reported late payment entries. If you can not provide the necessary documentation to validate the claims of late payments, I request that you correct my credit profile by removing these inaccuracies promptly. 


Thank you for your attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (OH)

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting Naviant numerous times. Also contacted XXXX, XXXX etc. to get it removed. They contact Naviant and they take Naviants word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The recent closure of my personal bank account without prior notification or valid explanation from Bank of America has left me in helpless despair. On Monday, XX/XX/XXXX, I contacted Bank of America to close my business account, as I had decided not to proceed with starting my business and put the plans on pause until I was able to be in a better financial position. This account was separate from my personal account which I opened at a later date. I wanted to bank with Bank of America and stop banking with my current bank XXXX XXXX XXXX XXXX where I receive my only income my VA XXXX checks due to me being a 100 % XXXX Veteran. However, on XX/XX/XXXX, I attempted to access my personal account, only to find that it had been locked and subsequently closed. I was shocked to discover that this had been done without any prior notification or communication from the institution. 
When I contacted the support team, I was informed that this was a business decision. I was given no further clarification and was spoken to like a second-class citizen. This decision has left me stranded overseas as I came to visit family for some time to get on my feet after going through bankruptcy earlier this year. The money was for me to start a new life for me and my fiance. My fiance and I reside in XXXX ( my place of residence ), without access to my life savings or financial resources. As a 100 % XXXX veteran, this situation has caused me immense distress to my mental health, primarily as I rely on these funds for my daily living expenses. 

I did nothing wrong to warrant the closure of my account, and I was never informed that such action would be taken. Given my current situation in a foreign country, the urgency of this matter can not be overstated. I am without access to my funds, which places me in an extremely vulnerable position. I'm not even able to purchase a plane ticket back to my home country, the United States. I implore you to address this issue with the utmost urgency. 

I can provide proof of my VA XXXX status i can provide proof of all my statements with XXXX XXXX XXXX XXXX and transaction history to my Bank of America account. I can provide all evidence of XXXX wrong-doing on my part.
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2024 I transfer {$2800.00} from cash app to my bank account so I can pay my rent on XX/XX/2024 ally bank suspended and locked all of my account access so I wont be able to use my money they asked me to call I called on XX/XX/2024 and they verified my identity over the phone and I verify all the transactions and activity the account they still refused to unlock my account and told me I have to wait for a investigation with no time frame they also wanted me to tell cash app that the transaction was fraud which is ridiculous why would I lie to a cash app and say fraud when its clearly not fraud and youll ally bank is just holding my money that was transferred from cash app. This company is scamming me out of my hard earned money I called them on XX/XX/XXXX begging for a update because thats my rent money they still said its no timeline it can take as long as they want for them to make a decision I even asked them can they just send the funds back where it came from they still wont do it. This is crazy!!! Today is XX/XX/XXXX and my landlord has sent me a eviction notice and late fees because I dont have the money to cover rent because ally bank has locked my money I will have to move back with my parents because I dont have any emergency funds ally bank wont send my money back or unlock my account please help me this has really destroyed my life
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garrison Investment Group (FL)

To Whom It May Concern, Debt ( XXXX ) : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX This Debt was included in a Chapter XXXX Bankruptcy as of XXXX of XXXX. Since XXXX XXXX included this Vehicle and Lease with her Chapter XXXX Bankruptcy, by law as co-debtor I am protected with this debt by her Bankruptcy and this debt can no longer be considered late. 

Per the Fair Credit Reporting Act : All debts that were included in your bankruptcy should be reporting with a XXXX balance, show XXXX due, show nothing past due after the date of your bankruptcy filing A XXXX debt can NOT be late ever. So if a creditor reports a late for a date AFTER your bankruptcy FILING date, and certainly post-discharge, dispute it. A Discharge in a bankruptcy acts as permanent injunction against the attempts by those creditors listed on your petition from ever attempting to collect on those debts. This means that those XXXX creditors can not call you, send you a statement, institute a lawsuit against you or continue a lawsuit that they had started prior to filing of your bankruptcy, cant try to collect on a pre-petition judgment they may have received by garnishing wages or levying bank accounts, and they also CAN NOT report negatively on your credit report.

If this information is not removed from my credit report per the Federal Guidelines I will have no recourse but to sue for damages as this incorrect information not only negatively impacts my scores, but the interest rates of the loans and credits cards in my possession.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CLGF Holdco 1, LLC (FL)

Hello, I was set a letter by the indigo credit card I have. In this letter it states " To reject this change to your Cardholder Agreement, you must notify us before the change becomes effective. To reject this provision, you must notify us at XXXX or mail a notice within sixty ( 60 ) days from the date of this notice. if you notify us by telephone, you must speak with a live representative and provide your name, address and Account Number. if you notify us by mail, you must include your name, address and Account number and it must be mailed to our servicer at : Concora Credit Inc., Attn : Arbitration Provision, XXXX XXXX XXXX, XXXX, Oregon XXXX. These are the only ways you can reject this Provision. if you reject these changes, the Arbitration of Disputes Provision will continue to apply to your Account as currently in effect. '' So exactly as it states I called the number to reject these new terms being implemented. To my surprised not not only was I not able to reject this but they forced me to close my account. They told me I would have to close the account or accept the new terms. That in of it self i tyranny. I spoke to their supervisor and all I was told is that I would have to cancel the card or accept the new terms. I believe this to be outrageous, as a long term card holder.