davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SANTANDER HOLDINGS USA, INC. (MA)

I had a checking account with Santander Bank that I called to close in XXXX. I thought it was all set. When I went to set up a business banking account with a small local family bank, I was denied three times due to having an open defaulted checking account. I was referred to a collections agency and took care of the balance. I called Santander to confirm they received this payment and they said they had and this should be removed from my report in a few days. One week later I went back to a second small local bank and it was still on my account. I called early warning services who said Santander never notified them of my payment, and that I could file a dispute but it could take up to 30 days. I called Santander again and they said they sent me a letter and emailed a copy but I never got it. In the meantime..Im sitting on business checks that I cant cash because I cant open a business account. How are small business owners supposed to support their families when they are repeatedly being denied a business account due to Santander not closing an account when a client requests it, letting it overdraft, charging outlandish overdraft fees that are now illegal, sending it to collections then NOT updating XXXX after the customer finally finds out about and pays off their account that should have been closed in the first place?
Consumer complaint received 2024-06-17
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. (MS)

I need to re-document and refile this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Action Bureau Inc (FL)

I Kindly Request That You Throughly Investigate These Inquiries And Promptly Remove Them From My Credit Report They Are Found Inaccurate. Date Added XX/XX/2023 Legal Action Bureau Account Number XXXX * Delete this unconfirmed inquiry lacking certifiable evidence unless physically certif

ied verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act * Creditors, if you dispute a debt, and they fail to report it as disputed to the CRA 'S * UNDER THE DOCTRINE OF ESTOPPEL BY
SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS!
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 2024-06-17
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. (NV)

UNAUTHORIZED INQUIRIES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION TransUnion No balances with Conns. It states I owe {$1600.00}
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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

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

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

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


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 2024-06-17
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. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-25
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

We sent a cover up letter to Synchrony Bank using Identity Theft.gov 's letter format to remove fraud charges and late fees. Yet they haven't responded past the expected date which was more than 30 days ago. Identity Theft suggested that I fill out this complain form in another way to get this issue resolved. So far, there has been no resolution and Synchrony Bank continues to send me the bill with additional late fees.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> TO : ALL CREDIT REPORTING AGENCIES RE : Request for Removal of Charge-off and Collections from Credit Report Dear Whomever this may concern, I hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report, which I believe is not in compliance with the Metro 2 format.

I recently reviewed my credit report and noticed that a debt that has been discharged and for which a 1099-c has been filed with the IRS is still being reported as a charge-off and/or in collections. This debt, in fact, should not be reported in such a manner, as it has been legally discharged and no longer exists. It is my understanding that this incorrect reporting is not in line with the Metro 2 compliance guidelines. 

The account in question is XXXX XXXX XXXX XXXX XXXX. The discharge of this debt was officially granted on XX/XX/year> and the 1099-c was filed with the IRS on XX/XX/year>. I kindly request that you investigate this matter and, if my claim is found to be accurate, remove this charge-off and/or collections from my credit report. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT REPORTS, I WILL INVOLVE TAX ADVOCACY SERVICES WITH XXXX IRS FOR ALL PARTIES REPORTING THIS ACCOUNT NEGATIVELY. 

The continued reporting of this discharged debt is negatively impacting my credit score and could potentially lead to unwarranted financial complications for me in the future. I am confident that you understand the importance of accurate credit reporting and will take immediate action to rectify this situation.

I am enclosing copies of the discharge and the 1099-c for your reference. Please let me know if you require any additional information to expedite the process. 

I look forward to your prompt attention to this matter. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of Discharge/Copy of 1099-c
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (TX)

I am writing to formally request the removal of an inaccurately reported charged-off account with XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as XXXX XXXX XXXX XXXX XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Consumer complaint received 2024-06-17
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)

In accordance with the Fair Credit Reporting act Conserve, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The problem started with the inability to pay my account online. I was on hold with client support for over an hr. They took my name and number and were going to call me back within 24 hours. That was on a Friday in XXXX. I called back on Monday as I had not heard from them. The person I spoke with was unaware of the issue. I tired to make the payment again online, but the same issues were present. They again said they would escalate it to their IT team and get back to me. The following Wednesday I called and for a third time, it was the same issue. On the following Friday, I received a phone call from the creditor advising me that my payment was late. I explained the issue and was willing to pay the account in full but I did not want to pay the fee for making a phone payment. I also said I did not want the late payment to report to my credit as it was not my fault their system was down. The person I spoke to and their supervisor both said they were " unable '' to remove the 30 day late on my credit. I adamantly said " if you do not remove the late on my credit, I want the account closed ''. The closed the account that day. However, it has reported late on my credit every month since XXXX. From 30, 60, 90, 120 etc. It has lowered my score significantly.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year> I opened a new checking account with Wells Fargo. This account was for a {$300.00} dollar Bonus. I needed to have a total of {$1000.00} or more in qualifying electronic deposits within the first 90 days of opening the account. 

The way I opened the account was by " searching '' for Wells Fargo Checking account bonus. The search took me straight to the Wells Fargo page which had this heading : " Get a {$300.00} new checking customer bonus. * '' I proceeded by clicking the " open online '' button. ( Underneath this button there was the following sentence " Your bonus offer code will be automatically applied to your Everyday Checking account when you complete your online application from this offer webpage. '' ) This button took me to another Wells Fargo page where I could just sign on since I have a Wells Fargo account due to owning several WF credit cards. 

On XX/XX/year> I called Wells Fargo Customer Service representative since it had been well over 3 months and the criteria for receiving the bonus was definitely met but I hadn't received the bonus. The representative asked me for the " bonus offer code '' which I let her know I didn't have XXXX since I searched for the offer and then applied in the manner described in the aforementioned paragraph. She said without the offer code she couldn't do anything and that is why I hadn't received the bonus because I failed to submit the application with the offer. I explained several times you can apply with the link and don't need the code. She then placed me on a long hold and finally said she would submit a request for an investigation. 

I received the letter with the result of the " investigation '' and it said the reason for not receiving the bonus was because another bonus had been claimed. The fine print of the offer states : " You are not eligible for this offer if : You are a current primary owner of a Wells Fargo consumer checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. 

You have received a bonus for opening a Wells Fargo consumer checking account within the past 12 months. 

You are a Wells Fargo employee. '' Which none of these apply to me.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have provided all four pieces of information and expect these listed accounts to be deleted and blocked within four business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within 4 business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.
Consumer complaint received 2024-06-17
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. (CT)

I recently had a account appear on my credit report that I do not recognize or have any affiliation with. I have submitted police reports to to the 3 major credit bureaus and have been stone walled at every turn.

I have called the original creditor and the bureaus alike and have never gotten the response that is required by law, which is Removing this invalid account. I am from the north east where both my first and last name are very popular seeing as it is a XXXX  name. I myself have met many XXXX XXXX in passing that are around my age and can verify it is a very common XXXX  name. 

I have contacted XXXX and have been told this account is not on my credit profile and they can not verify it but for some reason it is still appearing on my credit report on XXXX and transunion which I do not understand seeing as I never opened a account with XXXX XXXX EVER in my life. Under the FCRA I have been advised that these accounts are to be investigated prior to appearing on my credit report and that never happened which is a violation to my consumer rights and I DEMAND this issue be resolved by removing it from my credit report. The reporting companies have the responsibility of ensuring all information being reported is 100 % accurate factual and valid and that has not happened. Remove this account from Transunion and XXXX Immediately as it is my right.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have never once been contacted by this company. The first time I even knew they existed was when I got a notification on my email that there was a new alert on my credit. I checked into my credit saw that the company was named portfolio recovery LLC and added a collection. Then I started looking into them online, I dont know what this apparent debt is for or from. But once I found the company online and I got their License number I checked on the company on the NMLS and found out that they are not licensed to perform as a debt collector in my state of Washington where I reside. I have never gotten a piece of mail from them Ive never received an email from them either. I had to go on the NMLS website to find out about their licenses to be able to get an email for them so I could contact them. Yesterday XXXX XXXX I sent them an email saying that they needed to take this debt that I do not recognize off of my credit as they are practicing debt collection illegally by not having a license in my state since this is a closed border state for debt collection. They also did not go through the proper channels of sending a letter trying to call or anything of that sort before putting a debt on my credit which is on there illegally. I did receive an email back today from an employee there and all they wanted to do was ask for my Social Security number and my address and I did not feel comfortable giving that out over email when this company is already going against my state laws. I do not trust that they wont try to do something else illegally.
Consumer complaint received 2024-07-20
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: DISCOVER BANK (MD)

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 XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account 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 ( s ) that I have made. It is the result of identity Theft.