davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (NY)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (PA)

Under XXXX XXXX Code XXXX ( b ) ( a ) ( XXXX ) : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Per this law, I, as the consumer, XXXX XXXX XXXX, has not authorized, nor given any instructions to furnish such information on a consumer report. 

Also, under XXXX XXXX Code XXXX ( XXXX ) ( b ) which states compliance and procedures : ( b ) ACCURACY OF REPORT 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. 

Per this law, there are specific procedures were not implemented that assure maximum possible accuracy of the information. 

Also, under XXXX XXXX XXXX XXXX ( a ) ( b ) which states the permissible purposes of consumer reports ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Per this law, to investigate a consumer report did not obtain information through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she is acquainted or who XXXX have knowledge concerning any such items of information ; including the original creditor. 

XXXX. Additionally, I have not given permission to furnish no such data -- - XXXX XXXX XXXX XXXX ( b ). 

XXXX. This credit bureau has not provided a method of verification procedures that are permissible under the law -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. There has been no contact with the original creditor, the XXXX XXXX XXXX, about this information. -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. No online searches on public sites can be used to validate debt -- - XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Attached is a letter to the consumer from XXXX that states that it " does not report or verify information with credit bureaus, '' nor furnished the credit bureau with any information
Consumer complaint received 2024-05-27
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. (PA)

Unde

r 15 U.S. code 1681 ( b ) Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per this Law I as the consumer XXXX XXXX has not authorized, nor given instructions to furnish such information on the consumer report.

Also, under 15 U.S. code 1681 ( e ) Compliance Procedures ( b ) Accuracy of report 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.

Per this Law there are procedures that have not been carried out in order to assure maximum possible accuracy.

Also, under 15 U.S. code 1681 ( a ) ( e ) Definitions Rules of Construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Per this Law to investigate a consumer report one has to obtain information through personal interviews with neighbors, friends, associates, or others acquainted with knowledge concerning such information including the original creditor.

1. I have not given permission to furnish no such data. 15 usc 1681 ( b ) 2. This Credit bureau has not followed any verification compliance procedures. 15usc 1681 ( e ) 3. There has been no contact with the original creditor ( court ) about this information.

Also, no online searches on public sights can be used to validate a debt. 15 usc 1681 ( e ) 4. Attached is a letter form the XXXX XXXX  courts stating that they have not given out any such information.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (WI)

I called in a few times in XXXX XXXX XXXX to please update the information accurately to my credit report that I paid XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 on time and in full and they ignored me and told me that my mind was playing tricks on me and that I am crazy. I asked for a manager and it hung up on me.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I deposited a check on XX/XX/2024 with Truist bank Institution. A hold was placed on the check until XXXX. My check was deposited & available on XXXX XXXX But I couldnt access my funds so I contacted Truist support through the banking app. I was told a claim was filed on my account regarding my deposit for an investigation. Which is outrageous if my funds were already deposited into my account, what is the issue. I went up to the Truist Bank institution and I called the fraud management team That was assigned to my case. They told me the investigation is still ongoing, And The investigation would be over XX/XX/2024. Which the investigation was not over on XX/XX/2024 that was a lie, make it make sense it doesnt make sense. Ive called multiple times, but I have received different answers from different representatives multiple times. Today as of XX/XX/2024 the fraud department has said That Truist is ending their relationship with me, I have done nothing wrong for my relationships to end with Truist. They are stating I have to wait for a letter determining if I can withdraw my funds from the bank or wait to receive a check, Im not waiting to receive nothing, If my relationship is ending, that gives me all right to go into the bank and withdraw my funds. Every day its something different I cant get one straight answer, I cant access any of my funds. I cant pay bills. I cant do anything. I have made deposits with Truist almost every day This is unacceptable.
Consumer complaint received 2024-05-27
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 see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-05-27
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I previously submitted this complaint under complaint under case # Case XXXX. The CFPB closed the case after Capital One responded without allowing me to respond. Capital One lied in their response. I attached their response letter to this case. I also attached proof of their lie. They claimed that they are unable to provide a refund because I did not respond by their deadline by XX/XX/XXXX. This is false. They emailed me another link to upload my response on XX/XX/XXXX to allow for me to respond. I responded that same day on XX/XX/XXXX. I attached the relevant email from Capital One that confirms this. I uploaded my information pertaining to this case to their system with the link that they provided in their email. 

Original complaint : " I was charged by mistake from the merchant, XXXX, without any provided services on XX/XX/XXXX. I never signed up for recurring charges. I contacted the merchant on XX/XX/XXXX, to cancel the service. I noticed the issue after a review of my bill. I contacted the merchant on XX/XX/XXXX, and the merchant agreed that it was in error. The merchant explained that they are not able to issue a refund for charges of {$240.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX, because they changed their merchant services to a different one since the charges were made. They advised that I make a credit card dispute for a chargeback to get a full refund. My credit card company, Capital One, asked me for more information about the charge. I completed their questionnaire and mailed it to them. They never received it and closed my case. I called Capital One afterwards and explained that they should have received my questionnaire. Capital One emailed a link for me to upload my questionnaire and reopen the case. I submitted the information to Capital one via their emailed link. Afterwards, Capital One denied my claim for full refund for the charge on XX/XX/XXXX, because they told me that it was over 180 days. The other charge on XX/XX/XXXX, is still being reviewed by Capital One. The charges are fraudulent and in error. The merchant wants to issue a refund, but they are not able to. I submitted evidence to Capital One of my cancellation of the service on XX/XX/XXXX, and the merchant 's agreement to issue a refund, but not being able to on XX/XX/XXXX. Capital One has the only access to the XXXX dispute process to allow for a refund and they are unwilling to cooperate. '' I attached all of the relevant information that was attached to the previous case. Please reopen this case and assist in my complaint against Capital One. Their response is not true and should not allow for this case to be closed.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-27
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. (CA)

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX account number XXXX Date : XX/XX/2023, XXXX account number XXXX Date : XX/XX/2023
Consumer complaint received 2023-12-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX XXXX broke a 1 year contract with a price guarantee 3 months before the end of contract. The contract ended XX/XX/2023. During that time they had a ransom ware attack that lasted a number of weeks. I repeatedly tried to cancel my service. Telephone and online service was nonexistent. They continued to bill my credit card. Finally after weeks of trying to contact them I told the representative I wanted to cancel my subscription. They give me a credit and that everything was taken care of. Now 8 months later they sent me a bill for {$72.00}. I called XXXX and that turned into a heated argument with a service rep that has no clue.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (WA)

Dear Sir/Madam : From XX/XX/XXXX to XXXX, there were {$10000.00} in unauthorized charges on my Keybank checking account. These were debit charges were labeled XXXX -- -- - XXXX XXXX XXXX XXXX 

I called Keybank twice to complain. 

On XX/XX/XXXX, {$1600.00} of these charges were reversed. This posted immediately after my second telephone complaint to Keybank. 

On XX/XX/XXXX, another {$4100.00} in charges were reversed. This posted on XX/XX/XXXX, immediately after my first complaint to CFPB. 

That leaves me with an outstanding loss of {$4900.00}. 

The attached email from Keybank dated XX/XX/XXXX notifies me of a {$2.00} fraud with a POS label, the first purchase in the sequence. This suggests I was in XXXX XXXX to approve the purchase. I have never used XXXX to purchase anything, nor have I been to XXXX XXXX. 

I submitted a previous complaint to the CFPB on XX/XX/XXXX. 

I dont see how this type of fraud is possible without the cooperation of the bank itself, including the fraud department. It involved XXXX purchase of {$990.00} after another over a period of several days. 

That a second tranche of money was returned to me after a complaint is suspicious as well. Its like the bank wants me to get tired of complaining.
Consumer complaint received 2024-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (NJ)

I submitted a loan modification to Selene Finance on XX/XX/year>. After weeks of back and forth they said the sale date was under 37 days and they would not review. They strung me alone during this time which wasted weeks of time. I had 60 days of postponements which I used at the same time on XX/XX/XXXX ( proof attached ) and the next day on XX/XX/XXXX I resent a full loan modification file. On one of my calls prior to XX/XX/XXXX I asked what was missing on my file and I sent those documents to the bank in addition to the rest of the loan modification file. Selene failed for weeks to update my foreclosure sale date in their system which was XX/XX/XXXX. They kept saying it was XX/XX/XXXX which kept me under the 37 days they require. Finally on XX/XX/XXXX they moved the sale date in their system to XX/XX/XXXX ( obviously this was after the old sale date had past ). This has still kept me under the 37 days they require. It seems Selene has done this on purpose so they did not have to review my loan modification file.
Consumer complaint received 2024-08-08
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX Account # XXXX This is a fraudulent account. Please Delete Immediately XXXX XXXX XXXX  Account # XXXX This is a fraudulent account. Please Delete Immediately XXXXXXXX XXXX XXXX Balance : {$140.00} This is a fraudulent account. Please Delete immediately Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2023-10-28
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. (FL)

XXXX XXXX XXXX is furnishing account information to XXXX and EQUIFAX regarding an account which I have no knowledge of. I have never done any business with the company and have never signed any contracts with the company. 

The company has obtained my personal and financial information without my consent and is using my information without my consent. 

I contacted the company via CFPB to cease utilizing and furnishing my personal information. They have responded and agreed. 

Their response is attached to this complaint.
Consumer complaint received 2024-05-10
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. (MA)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

I get monthly I have several creditors that are refusing to change my due date so I avoid a late fee and or late payment remarks. For the past years I have been pushing hard to get this request completed. These creditors are not compliant with FCRA and complying with the due date requirements of allowing the consumer to make a change. These companies are fraudulently charging late fees stating that cant change per the guidelines, or state once your account is current which it is, or youre over the limit. I wouldnt be over the limit if they were not racking up fees charges and then interest on top. They are losing money because people are defaulting and XXXX  the consumer who is doing right and paying monthly but refusing to change the date because they will lose revenue if they honor the request. Synchrony Bank is the worst, XXXX XXXX XXXX  is another, How is this acceptable?