davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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. (FL)

I am writing to address a collection notice that recently appeared in my credit file from your agency. However, I am concerned as I have not received any prior notification regarding this collection, and I question the accuracy of the associated debt. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide the following documents for verification :
Consumer complaint received 2024-06-21
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. (NJ)

In accordance to fair credit reporting act the list of account below has violated my protect consumers rights to privacy and confidentiality under the 15 usc 1681 Accounts : debt recovery solutions XXXX I look at my XXXX report XX/XX/year> notice some things where inaccurate or not complete according to fair credit report act whenever Consumer reporting agency prepares consumer report it shall follow procedures to assure maximum possible accuracy of information concerning individual about whoms report relates according to 15 usc 1681. Accordance to 15 usc 1681 they not suppose to do this inaccurate or unverifiable information
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (TX)

You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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. 
Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Complaint against Bank of America ( BOA ) for inadequate investigation of fraud claim # XXXX To Whom It May Concern, I am writing to file a complaint against Bank of America ( BOA ) concerning my fraud claim, filed on XX/XX/2023, with claim number # XXXX. I have reason to believe that the investigation carried out by BOA was insufficient and that their decision to deny my claim is incorrect. The claim involves over XXXX fraudulent charges on my account, which I did not authorize. Despite the complexity and sheer number of transactions involved, BOA quickly concluded their investigation, denying my claim on the grounds that the charges were authorized by me or someone with permission to use my card. 

Here are my specific concerns : Timeframe of Investigation : Given the large number of fraudulent charges, I find it highly unlikely that a thorough investigation could be completed so quickly. 


Absence of Proof : BOA has not presented any definitive evidence, such as a signed receipt or contract, to substantiate that I or anyone authorized by me conducted these transactions. 


Statements Unchecked : I was enrolled in XXXX  classes at XXXX  during the timeframe of these charges and did not receive the monthly account statements that BOA claims were sent to me. Therefore, I was unable to promptly identify and report the fraudulent activities. 


Unauthorized Use of XXXX XXXX : I have never owned or operated a XXXX XXXX account, which is reportedly involved in these transactions. This fact by itself should raise serious doubts about BOA 's conclusion. 


For the above reasons, I am requesting that the CFPB : Direct Bank of America to reopen and adequately investigate my fraud claim. 


Require BOA to provide a detailed account of their investigation process, including any evidence used in their initial decision. 


Take any other appropriate action to ensure that my case and future cases are handled in a fair and transparent manner. 


I am attaching relevant documentation to substantiate my claims, including my student  enrollment proof and any communication I have had with BOA regarding this matter. 
Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely,
Consumer complaint received 2024-05-24
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. (PR)

In accordance with the Fair Credit Reporting actXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right toprivacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish a accountwithout my written instructions
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (IL)

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXXXXXX 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 months that are reported late 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. 


XXXXXXXX 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 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I have been uptodate making payments to my XXXX XXXX card. 
They have not been sharing my monthly statements with me. I have been trying to make more than minimum payments to them but the balance doesn't decrease and they keep bringing up some unknown charges to me. 
The customer service us ride, they are not transparent in explanations. It's hard to get through them and when I question them, they are not able to give me answers and hang up
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo sent me a letter in XXXX saying that they did periodic reviews of customers and they decided my accounts needed to be closed. The only answers I got from Wells Fargo was that decision was final. I had almost XXXX XXXX XXXX  in my savings account averaged around a XXXX XXXX  in my checking account. I also had XXXX credit cards from Wells Fargo with a total of almost XXXX XXXX XXXX  and I also had a small loan. I never missed a payment or was late with a payment. They closed all of these accounts except the small loan which I promptly paid off early. This cost me XXXX points on my credit report because they closed the crredit cards as well as the checking and savings account. I was under the impression there had to be late payments or fraud in order for them to take this type of action. I did nothing wrong I was a good customer. Never late never over drafted any of my accounts and always paid on time and this is the result??
Consumer complaint received 2024-05-24
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-24
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. (OH)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  - XXXX {$1000.00} XXXX XXXX - XXXX {$170.00} XXXX XXXX  - XXXX {$260.00} XXXXXXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX  XXXX XXXX {$400.00} XXXX XXXX XXXX {$2000.00} XXXX - XXXX XXXX - XXXX {$660.00}
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

The original charge off balance from XXXX XXXX was for {$10000.00} as of XX/XX/XXXX. The account was placed with HUNTER WARFIELD during XXXX and now has a balance of {$14000.00} as of XX/XX/XXXX. This is due to additional junk fees being added to the collection over a period five years ( XXXX ). 

I have disputed the account several times to only have the adjusted to satisfy the dispute and readjusted and reported back on my credit report after a few months with amounts that differ from the original balance and higher then the previous amounts reported. This is a predatory action by the debt collector which does the greatest amount of damage to my credit report and credit rating on a closed account.
Consumer complaint received 2024-07-17
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Hello, There am have two occurrences Where someone has opened a credit card in my name without my permission. Once with XXXX and once with XXXX XXXX XXXX. They put charges on both cards. I called both organizations and they stated that the transactions and card are under investigation.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I'm currently a XXXX  school student in XXXX. I received an unusual activity report and when i went to check noticed that my account had been virtually wiped out with thousands of dollars in transactions. These transactions ranged from XXXX XXXX, to a number of states up and down the eastern seaboard. 

After filing with dispute Bank of America rejected the claim saying it was me. To counter that, I provided evidence that I was in XXXX - I had a doctors appointment during the disputed period and provided the uncensored post appointment writeup - as well as billing statements from my XXXX school indicating that the balance of money in that account was to make an upcoming payment to the school. 

Despite this fact, and that I clearly could not have been in XXXX and at my doctor in XXXX on the same day - Bank of America has again denied the claim with insufficient reason.
Consumer complaint received 2024-05-24
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-24
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: AMERICAN EXPRESS COMPANY (OR)

On XX/XX/year> I bought 2 {$500.00} American Express gift cards from 2 separate retailers. I was unable to use either card. I tried calling the company but was not able to speak to a person. I was given their recorded message which didn't give me an option of speaking to someone. The recorded message simply said 'goodbye '. I should add that the bar code on both cards is partically obliterated. Now I'm out {$1000.00}. I would just like to get my money back. I've bought gift cards in the past from XXXX and XXXX and haven't had an issue.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

XXXX has refused to take a payment over the phone. 
They froze my all of my accounts, ( several checking, joint checking ). 
They have prevented payment online. 
They then said I can only pay through XXXX of their savings accounts. They won't allow payment over the phone with a debit card, credit card, or bank account which forces me to transfer money into their savings account, which takes several business days to clear. After making me wait an hour to get them on the phone, they hung up on me. I called back and waited another hour to get someone on the phone who then refused to let me speak with a supervisor while attempting to extort more money in exchange for payment. They then claimed a supervisor would call me but they never did. I instructed them to take the payment out of the monies deposited into the savings account requested but the individual on the phone said they would not process the payment. On top of bad faith loan management, this seems to be systemic extortion and bait & switch as well as currency violations wherein they are refusing to accept US currency per the office of the Comptroller of the currency and the Secret Service.
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am deeply frustrated by my experience with Capital One. After opening a Venture card with them, my consumer report was pulled, resulting in a hard inquiry. Despite being approved for the card, I encountered a restriction when attempting to activate it. In an effort to address this issue, I provided my ID and two utility bills as proof of my new residence. 

However, without any explanation, my account with Capital One has been blocked. When I requested a written explanation for the closure so I could seek legal advice, a member of the fraud department shouted at me over the phone. It is my consumer right to request a written explanation of why my card has been closed down and why I never had access to it when I was approved for it. This treatment has left me feeling targeted and unfairly treated.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One waived an annual fee of {$39.00} because they have not issued a credit card on my account. They then added a late fee on the waived fee. 

Additionally, they are refusing to issue me a credit card for my account.
Consumer complaint received 2024-05-24
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.