davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (MA)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Yesterday, XX/XX/2023, I drove 45 minutes to the XXXX, Washington branch of Bank of America to deposit my State of Georgia XXXX XXXX check in the amount of {$7600.00}. Before depositing it, I asked the teller when the funds would be available. She told me that they would be available for debits and withdrawals the next day, XX/XX/XXXX. I explained that this was imperative that the funds be available by today. She assured me that they would be. I was further assured of this fact by the deposit slip she gave me which states clearly " Credit posts on XX/XX/2023 '' and, further, checked the app which stated that the funds were available for debits and withdrawals on XX/XX/2023. When I woke up this morning, I again checked the app and was shocked to see a new message on my deposit that stated that the check was on hold. I called in and spoke to a gentleman who told me that the funds now would not be available until XX/XX/2023! I told him that this was not right and explained what I had been told before. He offered to have a manager call me within 2 to 3 hours. I agreed to wait. No one called me after 4 hours, so I called them back. I then was talking to a woman named XXXX who stated that no one could release my funds before the XXXX. I explained the background of the situation and she stated, again, that the funds would not be available until the XXXX. I asked to speak to someone higher up who could help me and she said that no one would give me a different solution. I final was put with a woman named XXXX who regurgitated the same exact wording that my funds wouldn't be available and that it's " unfortunate '' that BOA states that funds would be available the next day because the really don't know when they will be available until the third party company processes the check. I stated that if my bank didn't know when I could have my money, that's a problem. And, that when I was told by a BOA employee and confirmed by two separate BOA methods ( my account app and the deposit slip that I received from BOA ) that my money would be available by today, I made financial commitments that could not be delayed. I explained that these commitments would have a devastating effect on my life if they were not met. No one at BOA cared. They wouldn't even discuss a partial release of funds to cover my commitments. 

This egregious behavior by BOA. The negative affects of their empty promises will cause me to lose the property that I was going to purchase. Had they been truthful, I would have taken my check to a check cashing facility and paid the hefty fee to cash it. But BOA took this option away from me by lying to me.
Consumer complaint received 2021-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2024-10-02
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. (FL)

Hi my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX. 

XXXX XXXX reports that I owe an an amount due of : {$170.00}, {$75.00} of which is the original amount and the rest being interest. I have not been sent proof of this, though it has been requested previosuly XXXX XXXX required that I put down a deposit of {$200.00} and when asking a representative of XXXX XXXX on a recorded phone call they stated that this deposit was not applied to the amount. There is no mention or notice of XXXX XXXX forfeiting their customers deposit without application to debts and is very intentionally misleading and/or even malicious as XXXX XXXX is intentionally reporting derogatory marks on my credit history without having applied the deposit I was lead to believe would cover a CREDIBLE debt on the credit should it not be paid at an appropriate time I believe there is a misreporting of the amount owed; XXXX XXXX Reported : {$170.00} owed to them however I believe this amount is not only incorrect, XXXX XXXX stated on a recorded line that they did not use my deposit of {$200.00} and stated on a recorded phone call that they will not use or return my deposit. XXXX XXXX is intentionally misleading customers, taking their money and negatively affecting credit even when I have repeatedly called XXXX XXXX and tried to work on a solution with them. 

As such I am now requesting XXXX XXXX, XXXX, XXXX and TRANSUNION provide me with detailed proof of the debts including specific information such as date and times of purchases, amounts for each purchase, location of purchase. I am also requesting XXXX XXXX return my deposit of {$200.00} or apply it to my supposed debt of {$170.00}. As a gesture of goodwill in the case of the latter I will consider the {$25.00} owed to me as unneccessary to return, if not I request the return of the full {$200.00} deposit. 

ADDITIONALLY I am requesting that these derogatory marks and items be removed entirely from my credit report ENTIRELY, including but not limited to removal from XXXX, XXXX and TRANSUNION. 

Please investigate this matter and please send me proof of debts, a return of deposit and/or application to any credible existing debt and delete the disputed and/or deragaotry item ( XXXX ) as soon as possible. appreciate your prompt attention to this matter and I hope to hear from you soon regarding a solution to our mutual satisfaction, thank you
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Consumer Name : ( XXXX XXXX XXXX ) ( SS # XXXX ) ( XXXX XX/XX/year> ) Contents of Complaint : This CFPB Complaint has been filed to request pursuant to FCRSA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit report agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an Auto loan open on XXXX XXXX at CONSUMER PORTFOLIO SERVICES under the account number ( XXXX ). This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the Consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commision that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-27
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CCS Financial Services, Inc. (TX)

I have disputed this account with both XXXX and Credit Collection Services. Credit Collection Services has not been able to prove that this account they are reporting is 100 % accurate, verifiable and timely. See attached letter ( settlement offer ) they sent when I requested debt validation. This erroneous account should be removed from my credit report immediately. I have never done business with this company, nor have I ever signed a contract with this company and the letter they sent has not merit as to the validity and verifying this debt ; therefore, consumer law states that this account must be removed.
Consumer complaint received 2016-12-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: MFP, inc. (ME)

On the morning of XX/XX/2016, starting at XXXX, The 'company ' alleges that they have been referred my account for collections for some payday type loan. They asked me to confirm my name, address, and the last 4 of my social. Funnily enough, they did n't have my email address. They stated that if I did not make arrangements with them to pay the alleged debt that they would seek legal action, have me arrested, repossess my vehicle, file a suit against me -- but it could all be avoided if I agreed send payment to them right then and there. When I asked for proof of such claims ( to mail me any and all documentation ) they refused saying that if I did n't pay " I 'd be in big trouble '' I again demanded proof of such claims the caller began to become belligerent. I hung up. They called again. I stated that they were nothing but a scam and that if they had any such 'case ' that they would have proof and they would forward said proof to me. They said that they did n't have to prove anything to me. ( I did manage to get the caller to say what their company name was, " Financial Credit Solutions '' ) Several more calls were made to me and the caller became increasingly belligerent and stated that he hoped that I had all of my XXXX shopping done because " he was going to come after me for everything I had ''. At this point, I had had my fill and words were exchanged. 

Later that day, I found out that these people had made several phone calls to two relatives of mine and leaving the same type of threatening voicemail messages " That I had an important legal matter to tend to and that if it was not addressed then I would be sent to jail. '' Today, XX/XX/2016, I was informed by one of the same relatives that they had been called yet again today by these people.
Consumer complaint received 2023-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I have been going back and forth for the last couple of months with several departments and contacts at Synchrony Bank regarding retroactive interest they charged on a zero-interest financing I had for some purchased furniture. 

I received a letter dated XX/XX/XXXX, via the CFPB website concerning case XXXX. This case concerned Synchrony retroactively charging me 30 % interest back to my original purchase date in XX/XX/XXXX. I tried calling the contact number on that letter for many days and there was no answer, and the voicemail box was ( and still is, as of the date of this complaint ) full, as stated in the outgoing message. Instead, I wrote to Synchrony on XX/XX/XXXX explaining that I completed all my payments for my original purchase by the end of XX/XX/XXXX. The promotional period for my interest-free financing ended XX/XX/XXXX. Upon review of the first statement of my purchase in XX/XX/XXXX it specifically states in order not to incur deferred interest charges, I must pay off my Promotional Balance by the Promotional Expiration Date. These are all capitalized terms and thus are very important. No where in this statement or any subsequent statement does it indicate that any late fees ( which I did incur ) are part of the Promotional Balance. As I paid off that Promotional Balance by the Promotional Expiration Date, I would not owe any deferred interest. 

I sent copies of my statements from Synchrony where the above was clearly highlighted. The reply I received on XX/XX/XXXX stating, " ... .Any remaining balance and applicable fees have become part of your regular balance ". This is in direct conflict with the capitalized terms in their statements to me. In fact, they also stated, " ... If you have any questions about the promotional financing, please refer to the promotional summary on your prior statements ''. But that is EXACTLY what I did in my letter dated, XX/XX/XXXX AND I sent copies of those summaries as well highlighting the capitalized terms. It seems as if they have simply ignored my points and given me the same answer to pay up, which I do not agree with.
Consumer complaint received 2024-10-02
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. (WA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (IN)

I am writing to formally report an issue I encountered with my bank regarding a fraud claim I filed related to a transaction involving XXXX. My debit card ending in XXXX was charged {$6000.00}, which I did not authorize as I do not have a XXXX account and do not engage in any form of gambling. 

After reviewing my claim, my bank concluded that no error occurred, citing a review of my account activity. However, I believe this decision was made without adequately considering my situation, as I have no affiliation with XXXX whatsoever. 

I request your assistance in this matter to ensure that my rights are protected and that the investigation into this fraudulent transaction is taken seriously. Additionally, I would like to obtain the information my bank used to deny my claim, as I feel this may help clarify the situation. 

Thank you for your attention to this matter. I look forward to your guidance on how to proceed.
Consumer complaint received 2023-04-20
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request your assistance in resolving a serious issue related to identity theft and inaccuracies on my credit reports with XXXX, XXXX, and TransUnion. 

On XX/XX/2024, I filed a report with the Federal Trade Commission ( FTC ) regarding fraudulent inquiries, incorrect addresses, and my name being reported incorrectly on my credit reports. I am a victim of both identity theft and a data breach, and in XX/XX/2024, I uploaded a police report to each of the credit bureaus to verify my situation. 

OnXX/XX/2024, I also mailed certified letters to the credit bureaus to further address this issue. Included with my FTC report were supporting documents such as my driver 's license, a utility bill, and a bank statement, all of which provide my correct and current information. Despite these efforts, XXXX, XXXX, and TransUnion have failed to remove the inaccurate information, which has severely impacted my credit. This ongoing issue has made it difficult for me to access credit, as creditors are unable to verify my identity due to the conflicting information on my reports. 

I am seeking your intervention to ensure that XXXX, XXXX, and TransUnion take immediate action to correct these inaccuracies and restore my credit standing. The continued presence of this erroneous information is causing significant harm to my financial stability. 

I appreciate your attention to this matter and look forward to your prompt response.