davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-03-26
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. (TX)

I have sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information present on my credit report. In my correspondence, I meticulously detailed the accounts in question and highlighted the violations they were perpetrating against my consumer report. Despite allowing more than 30 days for their response, none of the credit bureaus have addressed my concerns or provided any resolution. Attached below are copies of all letters sent for your reference.
Consumer complaint received 2023-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (MI)

I'm one of the owners of XXXX XXXX, we sell printers and plotters here in Michigan. We purchased a large plotter from XXXX XXXX XXXX in XXXX XXXX XXXX. We contracted with XXXX XXXX to pickup the plotter and deliver it to us as per their quote price. They were told what our loading bay was like and we told them that our hi-lo was broken so we would have to have liftgate delivery which is an addtional charge. We expected that they would back up to our standard bay and unload the machine into our warehouse. Instead they dropped it off in the parking lot and then using a pallet jack, rolled it into our warehouse. This is nothing unusual, happens frequently. At some point we get a message from them saying that there we extra charges involved. I contacted XXXX XXXX and they said that there was an additional charge of {$96.00} to have the driver roll the machine into the warehouse. The driver never mentioned that there would be an additional charge or we would have moved it ourselves. Since we are dealer for this equipment, we have technicians and pallet jacks to move this equipment around. XXXX XXXX said they would appeal the extra charge with their carrier which of course was denied. We then disputed the extra charge with XXXX and they ended up refunding the charge back to our corporate XXXX card, we thought that was the end of it.. 
In XXXX XXXX XXXXXXXX I became aware that my personal credit score dropped dramatically. On investigation I found that XXXX XXXX had Eastern Account Systems file a collection on me personally. I never personally had anything to do with this transaction and, in fact the only thing they had was my name relating to XXXX XXXX XXXX XXXX They improperly and illegally obatained my personal information including my home address, social security number, etc., I never provided them with any of this information and they have no signed agreement where I personally guaranteed to pay anyting related to XXXX XXXX.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I was a with SYNCB/TJX CO XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX and XX/XX/XXXX ). I was an exceptional customer paying every month on time. I am writing to SYNCB/TJX CO XXXX agency because I am having difficulties with buying a house and applying for new credit cards. The mark in my credit reports prevents me from achieving the desired results. I am kindly requesting SYNCB/TJX CO XXXX agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2023-02-16
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: EQUIFAX, INC. (IL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Kashia Services (CA)

I was approved for a online payday loan of XXXX  on XX/XX/2022 and went effective XX/XX/2022. This company obtained all my personal financial information such as checking account number, routing number, id, social security and address. 
I never received the money yet I keep getting notifications from XXXX XXXX that my information has been compromised. 
I have tracked down their contact information and address. I have called and called and can not get through to anyone. It says it will call me back. The address is a XXXX XXXX so i can not go to the actual place and meet with anyone. 
I dont know what i should do, as i am completely frustrated. 
Please advise. 
Many Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX 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 an account without my written instructions.
Consumer complaint received 2024-03-22
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX  authorized a line of credit eventhoug my credit with all 3 bureaus, XXXX, XXXX and XXXX, has Been locked and frozen since XX/XX/XXXX, It should be wiped off by default either by XXXX or XXXXXX/XX/XXXXfault,
Consumer complaint received 2022-11-15
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2022 an ACH in the amount of {$48000.00} was sent from my account in Fifth Third bank to an individul account with XXXX XXXX. This ACH was sent in error, and recalled within 24 hours and on XX/XX/XXXX. I was advised by 5/3 that the ACH was not reversed in-time, and the funds were not available to be recalled. Myaccount was deducted {$48000.00}. 

I filed a police report. The police invetigation revealed through subpoena to XXXX bank that in fact the ACH was reversed and no funds were disbursed to XXXX customer. However, I never received the funds back into my account. When I ask Fifth Third they are telling me that XXXX is not responding. When I ask XXXX, they tell me that they can't tell me anything as I am not their customer. I have been out of {$48000.00} for almost a year, and neither bank is doing anything about it. Please help!
Consumer complaint received 2022-11-15
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. (MI)

XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL.

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Fraudulent
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

Account Name : The 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 XXXX  XXXX XXXX. 

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 autodates the report by more then seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (TN)

I have no knowledge of this debt and who this company or who there client is. I sent a debt validation letter via certified mail and have received nothing except a letter stating that I have never responded to them and that they now threating that they will report this information to all three credit reporting agency. I have pulled my latest reports and they are indeed reporting this invalidated negative tradelines to all agencies even though it's disputed and I have received nothing to validate this debt from them. I have attached the certified mail receipt sent on XX/XX/2018 as it relates to my response to this firm asking them to please validate, I even outlined the specific items needed to validate this unknown debt and I have received nothing.
Consumer complaint received 2024-03-26
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. (MD)

Please delete or remove these items on my behalf. This is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-11-15
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. (OR)

Trans Union has not addressed or resolved my issue and was simply " Brushed Off " I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every XXXX weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. XXXX decreased my score by XXXX points and when I talked with a Customer service repXXXX he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On my Bank of America Acct. XXXX, I made an auto pmt. for {$1200.00} on XX/XX/2017. My IRS check did not come in until XX/XX/2017 and the check did not clear. Bank of America changed their policy to deduct the check when it is issued from the account versus when it is deposited by the recipient. I called Customer Service and they told me to issue another auto pay check as the first one ( check # XXXX ) did not clear. I made another payment with check # XXXX. The next day both checks cleared. I called Bill Pay and they told me that Customer Service should not have told me that. They then voided the check # XXXX. Both checks were sent to the Texas Attorney General Child Support Division. Their processor received both checks and forwarded the amount to the recipient prior to depositing the check. They then sent me the attached letter. I called them and said this was a bank error and I paid the correct amount of child support. I tried to arrange a call with both Bank of America and the Child Support Payment processor on the phone, but they said they need a letter from Bank of America on their letterhead stating this was a bank error. Bank of America said their attorneys would have to approve this and they can not fax a letter to the Child Support Div. I have filed a formal complain with the Texas Attorney General 's Office and now with Bank of America as they are incorrectly presuming I have committed an offense and this matter may be referred for criminal prosecution. Until Bank of America provides the requested information, I can not send the Child Support Div. checks. Please provide to the Texas Attorney General 's Office Child Support Div. the information they have requested at your earliest convenience. The bank policy should not be to deduct the amount from my account when the check is mailed but when the check is cashed. Similarly, the Child Support Div. should not forward money that was not cleared their bank.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (NY)

I have a  XXXX   XXXX   XXXX  retail card issued by  TD Bank.  I was talked into taking advantage of the  6months no in terest a sofa i was interested. Purchased sofa  XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website  XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer.  XXXX   XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since  XXXX / XXXX / XXXX .     I immediately called the  TD Retail  division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last  XXXX  bill was officially due on  XXXX / XXXX / XXXX  - I had paid the entire balance  XXXX / XXXX / XXXX  and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the  XXXX  billing cycle. Having not being aware of this  TD Bank   XXXX   car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no   choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the  credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from  XXXX  to below  XXXX . In my opinion this is very deceptive business operations.   XXXX   XXXX   emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business?  XXXX / XXXX / XXXX  promotion ended - i paid  in 6days apparently late and now my credit is in shambles. This doesnt seem ethical.  Please help me.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

I want to ask the CFPB to open an investigation so Credit Collection Services does not continue to evade its responsibility to respond to arbitrations filed by consumers. 

I am going through a very stressful time with Credit Collection Services. I filed an arbitration case against this company, who is reporting the accounts involved in this matter. CCS has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor ( XXXX ). 

The case I filed is based on several violations that CCS has committed : excessive phone calls, unfair and deceptive business practices, collecting on account with fraudulent charges account. I was called excessively by creditor and Ive kept on getting calls and letters despite me telling them to stop communicating. In addition the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. 

Now the XXXX XXXX XXXX tells me that CCS is out of compliance with them and failed to comply with the XXXX  policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Credit Collection Services will now be upheld.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America opened a XXXX XXXX checking account for me without my permission or request. This account has a monthly maintenance fee that I never sought to sign up for. I have called several times to address this and they still have not resolved the issue.
Consumer complaint received 2022-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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. 
Accounts : SC XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 2023-04-12
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.