davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XXXX XXXX  or their Representative ( XXXX XXXX XXXX ) is requesting information from my account via Subpoena, for no valid reason. I received a letter from my bank after the fact stating that were going to respond or had already responded. I called BOA today and requested that they provide me the information or documentation that they had provided to the other party however they refused. This complaint has to do with the previous complaint I filed on XX/XX/2024 COMPLAINT ID XXXX.
Consumer complaint received 2023-01-19
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. (DE)

To whom this XXXX concern, I am writing this letter on my own no one has helped me with this letter, I am a natural person and had a chance to do some investigating. After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks listed below : XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account number XXXX XXXX creditor : XXXX XXXX Account XXXX XXXX As you know it is against the law to report any information not proven accurate I demand that you provide me with concrete evidence of my obligation to said accounts. 



Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights
Consumer complaint received 2024-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I CO SIGN TO SEND MY DAUGHTER TO XXXXXXXX XXXX OVER XXXX IN STUDENT LOANS AND 10 YEARS LATER MY WIFE HER MOTHER DIED AND IN THE SAME YEAR I HAD A MASSIVE XXXX THAT LEFT ME TOTAL XXXX. I HAD TO LEAVE WORK AND GO ON SOCIAL SECURITY XXXX MY DAUGHTER STOPPED MAKING HER STUDENT LOAN PAYMENTS TO NAVIENT. I TRIED TO KEEP UP WITH HELPING HER PAY HER LOANS BUT EACH PASSING YEAR IT GOT HARDER. SO I APPLIED FOR LOAN FORGIVENESS BUT NAVIENT SAID I AM NOT ELIGIBLE FOR STUDENT LOAN FORGIVNESS AS A CO SIGNER SINCE IM NOT THE PRIMARY LOAN SIGNER ONLY THE CO SIGNER. I ASK IF THEY COULD HELP ME BY CONSOILDATING HER LOANS INTO ONE WITH FIX INTEREST RATE AND AGAIN THEY SAID NO BECAUSE IM NOT THE PRIMARY. I TOLD THEM IF I BECOME UNABLE MAKE PAYMENTS AND SHE WANT PAY WHAT HAPPENS THEY SAID THEY WILL COME AFTER ME FOR THE TOTAL LOAN. I HAVE DELIGENTLY TRIED TO AS MY DAUGHTER TO HELP AND SHE HAS NO MONEY OR INTEREST IN HELPING ME MAKE HER LOANS PAYMENTS. IT MAKES NO SINCE THAT THEY MAKE NO EFFORT TO COLLECT FROM HER, BUT HAVE NO PROBLEM MONTHLY HARSING ME VIA TELEPHONE THREATING ME THAT MY STUDENT LOAN PAYMENTS ARE DUE KNOWING I AM XXXX  AND FAIL SHORT EVERY MONTH MAKING LATE PAYMENTS. 

PLEASE HELP XXXX CO SIGNER
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hello Transunion is not following the law that Congress have put into place to protect consumers. I see a lot violation on my report some account do not belong to me some are reported incorrectly and severely damaging my credit and causing adverse reaction
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the TransUnion credit bureau XX/XX/XXXX, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). 
I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute etter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$450.00}
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A. (MD)

I got a email notification stating that I had a credit inquiry. Once I logged in I see that CBNA was in the category if hard inquiries. I have not applied for anything. I had the same problem yesterday. With someone applying for a XXXX account. However I believe my information was compromised. I need assistance.
Consumer complaint received 2023-09-18
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. (OH)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXXXXXX Balance Owed : {$16000.00}.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I recently applied for a free business checking account at XXXX and received a denial letter stating that I had unresolved accounts with ChexSystems, instructing me to reapply after resolving those accounts. However, upon obtaining a report from ChexSystems, I found no such outstanding accounts at any bank. When I confronted XXXX XXXX  about this discrepancy, their explanation changed. They now claim it was not an outstanding account but rather a ChexSystems " qualireport. '' I still maintain that XXXX XXXX  engages in XXXX discrimination. I request the following from ChexSystems : ( XXXX ) Clarification on the specific law or statute that authorizes ChexSystems to function as a credit reporting agency and to gather information about customers, to create predictive models or forecasts about a customer not based on factual information but instead on utterly false bogus fabricated data and algorithms. These models are allegedly used by banks to engage in discrimination and deny credit or financial services. Note : I need the specific section or whatever law you clam grants you this right not vaguely mentioning the FCRA for instance ( 2 ) Delivery of the exact copy of the report that was provided to XXXX XXXX  about the complainant regarding the referenced transaction. ( XXXX ) An exact and detailed description of what algorithm or model is being used by ChexSystems to generate the utterly fabricated report which they are apparently providing to various institutions and engaging in defamation. 
Be aware that this is not a mere suggestion but a demand. Failure to provide the requested information promptly will result in legal action against both ChexSystems and XXXX XXXX  for defamation and discrimination ; it is also an action which will be brought whether or not you provide this information or not. Fabricating and utilizing false models that disregard actual facts to defame a customer and make decisions regarding credit or access to financial services is a violation of the XXXX and various other rights is unacceptable. I expect the requested information to be provided as soon as possible. Apparently someone at XXXX keeps using this transaction XXXX about how the denied a corporation I represent an account. Keep my name out of your XXXX
Consumer complaint received 2023-12-17
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. (TX)

On XX/XX/, I just receive credit report and seen inaccuracies on my credit report for XXXX XXXX XXXX a balance of {$7400.00}. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt, and I also stated to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. After the dispute the account came back verify and I do not agree with the results of this dispute. I Also stated they had 30 days to to mail me proof of the investigation and proof of the negative account or deleted the account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Continental Finance Company, LLC (CA)

In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXX XXXX XXXX XXXX XXXX CONTINENTAL FINANCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you
Consumer complaint received 2023-09-20
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Taking advantage of consumers. Never applying payment amounts to principal balance. Doing this for years. Acting like they are giving auto loans like a bank and functioning like one in your interest when in actuality they prevent you from paying off your loan early and reducing balance and saving in interest.
Consumer complaint received 2023-04-26
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: CITIBANK, N.A. (CA)

In accordance with the fair credit reporting act, this creditor CITICARDS CBNA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAC Financial Corp (KY)

Was payed on XX/XX/2018. Still on credit report, called XXXX XXXX  onXX/XX/2018 was told shows no record of payment. Fax copies of cancel check on XX/XX/2018.receive call on XX/XX/2018 was told this wasn't my account.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (LA)

Primary credit card owner died XXXX. Discover sent a letter dated XXXX to the primary address stating we had 21 days to work with Discover before Discover sending the account to a collection agency for resolution. I called Discover on XXXX to find out the amount of the debt ( the final statement was still in the mail ) and make payment. Discover had already sent the account to the collection agency - sent for recovery before the 21 days expired. My name was also on the credit card account. I never used the card and forgot that my name was on it. I paid the debt with Deceased Case Management and fear that the delinquent debt will appear on my credit report and affect my credit score. No one at Discover could explain why the debt was sent for collection before expiration of the 21 days or why we did not have the opportunity to pay the debt after the last statement was delivered to the deceased address..
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day.

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo because I required my checking account number for an account that was closed back in 2014 along with any other account numbers in my name. They did not provide it when I called on the phone and won't send me the information that I need.
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I sent certified mail on XX/XX/year> to XXXX XXXX XXXX XXXX XXXX Delaware XXXX it was received by XXXX XXXX and I haven't received any return information from them. I also disputed on my consumer report and it's coming back verified with no correct information. Transworld is not able to collect in Texas jurisdiction. I provided proof
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DID NOT SIGN ANY AGREEMENT THAT XXXX XXXX XXXX COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF XXXX ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

The representative from XXXX is calling it fraud instead of incompetent investigation for merchant identification deposit. It violates code 1005.11 and investigation the integrity of investigation sequence.

The bank is in violation of 1005.11 Procedures for resolving errors.

The bank rather retaliate against the consumer and punish his/her creditors Please help bring my account back to escalated normal provisional status accessing all features. 

It is because according to Truist representative an alias called and said the account was compromised. 

I as the consumer of the account did not report that. 

As a result, creditors benefits are disconnected, atm, child support deposits, social app lender loans, employment deposits, my SS #, my phone number and email can not be transactioned or connected. 

The identity of the account has been changed voluntarily to create false identities to insecure consumer access. 

I cant activate access or use the checking account bank card, online, phone, atm, or by app. 

I have to buy food, pay for power to prevent disconnect, pay for modes of transports, pay daycare to continue employment, XXXXXXXX XXXX hygiene, and family trip to a museum. 

All my identities were voluntarily changed that jeopardized and my family well being and welfare We have been limited and put at a disadvantage abroad low income and lack of. I and my family are already poverished prior. 

They placed a temporary hold and update. 

The max deposit per day is {$15000.00}. 
So, the account didnt alert nor I. Somebody is stalking the account and needs to be restrain. 
The problem is a return only. 
Their policies and standards does not match the law or federal codes. 
The Truist expressed said it was a check. But, it is a deposit. 

They are conjoining deposits combining them to make it fraudulent. 
This bank only secure deposits but not consumer accounts allowing fraud to occur. 


This bank has been trying to get me to close this account instead of secure it. They are voluntarily stalking my account and making threats. I have up to {$15000.00} a day for deposits. This account has history with different creditors and also foster care and social apps and family well being. Please view attachments. 

Please view attachments. I also have historical transactions link to the account and reasoning for app benefits.