davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are several questions regarding the whereabouts of the funds of which I was supposed to have received from the EDD. However for this complaint Ill narrow it to one transaction in the amount of {$2000.00}. According to documents received from BofA on XX/XX/year> I transferred {$2000.00} to a savings or checking account. Never once did I transfer money in or out of this account. I wouldnt think it was possible. When I called and asked to what checking or savings account the {$2000.00} was transferred to, I was told they could not give me that information. I then asked for copies of my statements. Which Ive asked for on several occasions during the time I was using this account and never received them. The following documents is what I received as my statements. After adding all the amounts up including all duplicate amounts, they equal what the EDD shows as received according to the 1099G form the EDD provided within a XXXX  XXXX XXXX. Which clearly indicates I was double charged for nearly all purchases by Bank of America. The documents received indicate the {$2000.00} transaction as something different than that on the statement. The description was changed to now say Direct Deposit Funds Transfer to checking/savings. Another documents I received from Bank of America indicated the funds went to XXXX XXXX. So which is it? Where exactly did these funds go to? And who transferred them? I went onto my EDD/XXXX  account and there are no payments according to them! No over payments! Actually there was an alleged XXXX over payment approximately a year earlier in the amount of {$350.00} and was deducted from my benefits but when reviewed again, it was discovered as a mistake and was supposedly reissued at the end of my payments of benefits. However I dont see that amount anywhere in the docs, Which will be another complaint. Incidentally, I worked for the EDD from XXXX and still have friends from Administrative Law Judges to Office Technicians who still work at both XXXX and EDD, I actually worked for the XXXX  And boy, we are all in for a long drawn out disgusting ride! Soo not only is Bank of AMERICA stealing funds from their customers ( unemployed customers ) but they are manipulating the documents to benefit their fraudulent manipulative thieving ways! I will be submitting SEVERAL MORE COMPLAINTS IN THE NEAR FUTURE! And if I or any other citizen did what they have done, wed be in prison! So whats up? XXXX XXXX XXXX! I imagine eventually someone will!
Consumer complaint received 2023-11-02
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. (VA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (MI)

On or about XX/XX/XXXX, I entered into a contract with Santander for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per Santander was charged off after bring sold by Santander in XX/XX/XXXX. All of this was reported and reflected on my credit report. Santander updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to Santander in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. Santander updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to XX/XX/XXXX.
Consumer complaint received 2024-05-31
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: F.H. Cann & Associates, Inc. (FL)

FH Cann and associates Inc. has emailed me every month since XXXX and called me repeatedly trying to collect a bill that they say I owe but they won't show me any evidence that I actually owe money or that they have any authority from the creditor to collect it. I want them to stop attempting to contact me and to remove any reports made that I haven't paid this " debt '' that they claim I owe to any credit bureaus that they may have reported me to.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX  Account name : XXXX XXXX, Account name : XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (NC)

JEFFERSON CAPITAL SYSTEM Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX  : Original creditor XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$330.00} XXXX : Original creditor XXXX Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX I am writing to bring to your attention a matter of urgent concern regarding identity theft and fraudulent activity associated with my Credit Report. Upon reviewing my recent credit report, I have discovered numerous unauthorized accounts that I did not initiate or authorize.

These discrepancies indicate that my personal information may have been compromised, resulting in unauthorized accounts.

As a victim of identity theft, I am deeply troubled by these findings and am taking immediate steps to address the situation. FTC REPORT has been filed.
Consumer complaint received 2023-12-01
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)

Date Opened : XX/XX/2023 Account number XXXX Balance : {$270.00} High Credit : {$270.00} XXXX XXXX : {$200.00} Past Due : - Payment Status : Past due 30 days Not more than XXXX payments past due Last Reported : XX/XX/2023 Date Last Active : XX/XX/2023 There is no such thing as a late payment because the account was paid in full the moment my credit card ( 15 USC 1602L ) was accepted. 

XXXX XXXX is reporting a late payment onto my credit report. Pursuant to 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, 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. I never gave XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of USC 1681B. XXXX XXXX has caused stress and XXXX due to the abusive and unfair practices.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX 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 2023-11-30
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)

Despite XXXX written requests, the unverified items still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. 

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title XXXX XXXX XXXX XXXX States I have Right to Privacy Title XXXX XXXX Section XXXX ( a ) Section XXXX, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title XXXX XXXX XXXX ( b ) ( a ) A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (IL)

I have requested my adress to be updated, XXXX keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX i have contacted creditor but XXXX still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (WV)

My complaint is with  XXXX  and  XXXX   XXXX   XXXX . In  XXXX    XXXX   I signed up for the Unlimited Data and  XXXX   XXXX  promotion for my family. The advertised Poster and the sales person ( at the  XXXX  WV  XXXX   XXXX   XXXX  ) office told me that it was a bundle. Super! This means I save money and billing is easier. Or so I thought!  XXXX   XXXX   XXXX  over billed me 3 times, this is n't my complaint as they did correct it all three times. I paid for the bill  XXXX   XXXX    XXXX  . In I had received a bill from  XXXX . I called  XXXX   XXXX   XXXX  and asked why they were billing me for a bundle in which I paid via  XXXX   XXXX   XXXX ? The price was set as per the poster and I paid the per line fee for unlimited data, talk, text and DirectTV. I was told that this was an issue and to keep paying my  XXXX   XXXX   XXXX  bill as I had been.     I called a   XXXX   after getting another bill this time it was n't until  XXXX . The customer service agent said she did n't see me on a bundle. She said the promo was going poorly and they had several complaints just like mine. She then offered to set me up with  XXXX  on it 's own. I said, '' no, If it 's not bundled and I am not getting that deal then I do n't want it ''. I told her I was sorry but  XXXX   XXXX   XXXX  and  XXXX  had not lived up to their end of the contract and broke the deal I agreed to therefore, they could take everything back.     I then contacted  XXXX   XXXX   XXXX  and changed my plan. I sent back the receiver to  XXXX .  XXXX  months ago I got a collections letter from  XXXX  for collecting my  XXXX  bill. They are saying I owe them for services from  XXXX  for monthly services as well as an early termination fee totaling - {$590.00}. I paid the advertised and agreed upon price to  XXXX   XXXX   XXXX  for phone service and  XXXX . I do not owe DirectTV. They need to check with  XXXX   XXXX   XXXX  to get their money, not me!     Sending me to collections is only further hurting my credit I have been trying to repair since a divorce. I have tried to correct this matter on my own by mailing a letter to the collections agency and they contacted  XXXX .  XXXX  decided that the charges were still valid. I disagree. They did not live up to the deal on which I signed up for. And the early termination fee is outrageous! They did n't hold up their end of the contract so I opted out. If they had been upfront with the product I would still have DirectTV today and probably past my two year contract.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Greetings CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my consumer report and compensation for actual damages, I was denied a loan due to this account appearing on my consumer report and time in disputing this account. The account in question is from XXXX XXXX XXXX, account # : XXXX in the amount of XXXX showing on my consumer report without my consent. I have no contract with XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up to date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 USC 1681 et seq, particularly 15 USC 1681i and 15 USC 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practice Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practice Act ( RFDCPA ), which prohibited the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 USC 1341 ( Mail Fraud ) and 18 USC 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my damages and time for disputing this account. I have attached my Affidavit of XXXX and the denial letter of the loan I applied for. Thank You for your prompt attention to this matter.
Consumer complaint received 2017-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have asked Transunion to remove the inquiries from my reports that do not belong to me. It was proven that a gentleman at a dealership that i went to was doing fraudulent activities and used my credit. I have Sent in all verifying documentation to transunion and they refuse to acknowledge or remove this inaccurate inquiries.
Consumer complaint received 2023-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NJ)

On XX/XX/XXXX, Shellpoint Mortgage company performed an escrow analysis on my mortgage account. 
Shellpoint Mortgage company has documented that my escrow account has a deficit of {$530.00} for the XX/XX/XXXX escrow analysis. 
On XX/XX/XXXX my escrow account has a balance of {$650.00}. 
My next mortgage payment will be due on XX/XX/XXXX after paying the mortgage for the months of XXXX, XXXX, & XX/XX/XXXX. 
My escrow account does not have a deficit.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.
Consumer complaint received 2023-12-01
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)

This will be the last time that I reach out to you all. This auto loan does NOT BELONG TO ME AT ALL! I NEVER OWNED THAT CAR I NEVER SIGNED A LEASE ON THAT CAR. SOMEONE USED MY INFORMATION WITHOUT MY CONSENT NOR KNOWLEDGE AND THAT IS HOW THIS MATTER OCCURED. I ALREADY EXPLAINED THAT TO YOU ALL AND AT THIS POINT YOU GUYS ARE BREAKING THE LAW! THIS IS CRAZY AND ABSURD PER 15 USC 1681 B. I WILL BE CONTACTING THE XXXX XXXX XXXX AND MY STATES ATTORNEY GENERAL AND I WILL BE SUEING IF YOU GUYS DO NOT REMOVE THIS FROM ALL 3 OF MY CREDIT FILES NOW!
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XXXX credit report theirs is XXXX negative item that's fraud account last XXXX XXXX it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file social security number is XXXX
Consumer complaint received 2023-12-01
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. (NJ)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX