davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (ID)

In  XXXX    XXXX   I became ill and my brother took me to his home to care for me. He inquired as to what it would take to buy me out of my lease, They told us {$1400.00}, a 30 day notice and current months rent. I seemed to recover enough to go home at the end of  XXXX ,   XXXX  . But shortly after returning home I had a relapse and my brother decided I needed to move in with him and  XXXX  my sister in-law, so I could be cared for around the clock. On  XXXX   XXXX ,   XXXX    XXXX  and I went to the apartment  manager  and took them the {$1400.00}, the 30 day notice, and  XXXX  rent. The woman in the office said she could take the 30 day notice and  XXXX  's rent, but explained I had to come back to talk to the manager. On  XXXX   XXXX ,   XXXX   my caregiver  XXXX  and I went back to give th e manager the {$1400.00} I had to stay in the car due to my illness. The manage  XXXX  proceeded to tell  XXXX  that because I did n't give the {$1400.00} when I turned in the 30 day notice I would owe for  XXXX  also.  XXXX  explained that we tried to turn it in on  XXXX   XXXX  but they refused it. I do n't owe them anything I did what I was told and they took the money the notice and the current rent. I have been fighting I.  Q. Da ta ever since. I do not owe them {$880.00}. Because of this I  may  have lost a wonderful opportunity for me to get a nice apartment close to my family but still live independently.
Consumer complaint received 2023-05-24
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: LEXISNEXIS (NC)

This credit bureauDoes not repect or follow the Laws of FCRA. 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 XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX XXXX  XXXX BANKRUPTCY : # XXXX All of these accounts listed above has violated my rights According to 15 USC 1681i ( 5 ). However this credit bureau is saying that these accounts were verified for 100 percent accuracy. However I asked them how? when the filing date on each account is wrong. 

I also requested that they provide me proof and a written description of the investigation according to 15 USC 1681i ( 7 ) which they never did. Additionally, according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, I've learned that according to the following FCRA Laws my rights were purposely disrespected. 

15 U.S.C 1681 section 602 A States that I have the right to privacy. So reporting the inaccurate accounts blatantly disregard my rights. and according to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account information without my written instructions and I have not Giving Any written instructions to do so.

These are Serious Violations of my rights. I feel situation is causing me alot of stress because I believe my rights have been violated purposely which makes me loose hope in this whole system. I hope this complaint compels this credit bureau to do their jobs more effectively with the consumers rights being respected.
Consumer complaint received 2023-03-14
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. (CA)

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis- reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 XXXX 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 items of information contained in 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 update the items 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. XXXX XXXX XXXX Date Opened : XX/XX/16 Balance : {$730.00}, XXXX XXXX Date Opened : XX/XX/16 Balance : {$350.00}
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. 
Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. 
Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. 
Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). 
I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. 
I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). 
Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! 
So frustrated and worried. Please help me understand this procedure if you can.
Consumer complaint received 2018-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

XX/XX/XXXX I sent an {$120.00} to someone an they never followed through on there end of the deal tried cancelling the payment immediately after sending but it wouldn't let me is there anyway to get my money back or is it a total loss? 
I sent it through PayPal.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NC)

I have a a unverified account from I C Systems Collections #  XXXX . I had previously disputed this account. I have never done business with I C Systems Collections. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that I C Systems Collections #   XXXX **** Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C Systems Collections Cease and Desist all further communications and collection actives and provide the verification of the purpo rted debt.
Consumer complaint received 2022-11-29
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. (NV)

In accordance with the fair credit reporting at XXXX account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( EXPERIAN ), XXXX XXXX XXXX amount of {$13000.00} ( XXXX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy. 

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates continues to damage my credit with false information on my credit report. I have disputed the information multiple times and receive the same generic response. " The information is verified and meets fcra requirements. '' I paid this bottom feeder company thousands of dollars and yet they still ruin my credit. Still reporting false information to XXXX. Please investigate this ruthless company that preys on the weak and the poor.
Consumer complaint received 2023-03-14
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. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (VA)

In Accordance with the fair credit Reporting act XXXXXXXX XXXX XXXXXXXX # XXXX, anXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Consumer complaint received 2023-03-14
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2008 Balance : {$49000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (ID)

Convergent Collections contacted me through mail, 18 months after supposed amount was due. The original company ( XXXX ) that the debt came from told me that i owed them nothing because i never used the service and i returned it before the date they set for me was up. Currently awaiting Convergent to investigate through XXXX  to see if i still owe them money, which they will probably say yes to. Total amount owed is {$82.00}.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION (CA)

The company Amerisave Mortgage Corporation ran a credit inquiry without my consent. I spoke to a representative over the phone and I made it clear I didnt want my credit ran until my wife and I made a decision. However they wrongfully ran my credit and continued to harass me with multiple phone calls, emails, etc. 

Super unprofessional, and completely wrong. 

They sent a notice about an application even though that application was never completed and we ended the phone call prior to going forward with doing a credit pull.
Consumer complaint received 2024-05-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (GA)

When calling into Ally Financial on XX/XX/year> to finally resolve this issue with the car title being held and their refusal to release my title ; I was threatened that my vehicle was being listed for repossession. I have paid all fees and other charges required. I am being treated unfairly and this is illegal for them to threaten me that my vehicle is at risk of repossession after more than XXXX months in dispute of final payments due. 

The initial complaints that I filed against this company were closed out after they replied in writing however, they included an outright lie to justify their actions. 

When my vehicle was repossessed last year, I was not notified as required ; receiving a letter after the fact. When I reached out to determine the amount owed, I specifically asked for the amount needed to " close out the account '' with Ally completely. I then paid that amount which was {$5500.00} - although it was different from what the late letter received stated which was XXXX. Despite the difference, I paid it and then asked for my title to be released. Days later, I followed up and I was informed that I had an additional amount due. When I requested that amount in writing it was for {$2900.00} ( which has errors and inflated charges ). I then filed the complaints with CFPB and the final letters sent stated that I owed {$3500.00}. This amount was even different from the previous document. 

Ally has been dishonest in their record of events, they refuse to release the recordings of my phone calls that prove my case, they have sent me fraudulent documents with inflated charges, they continue to deny me of my title and they are now threatening to repossess my vehicle. This is an injustice. Please help!!!
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to express my profound dissatisfaction with the recent actions taken by Bank of America regarding the closure of my longstanding accoun

t. As a loyal customer for over a decade, I have invested considerable trust and confidence in the institution 's services. However, the abrupt decision to terminate my account has not only inconvenienced me but also jeopardized my ability to engage in financial transactions with both Bank of America and other institutions. Despite possessing a comprehensive understanding of banking practices, I found myself confronted with an unjustifiable closure and subsequent limitations on my banking options. Within a brief span, I inadvertently filed three claims, each stemming from legitimate grievances. The first incident occurred during the week of XX/XX/XXXX when malfunctioning washers at a laundromat necessitated my involvement in multiple refund requests. Despite my efforts to rectify the situation through the appropriate channels, I was met with unsatisfactory resolutions, exacerbating my financial inconvenience.

On XX/XX/XXXX, a XXXX transaction for services not rendered prompted further action on my part. Despite attempts to communicate with the recipient, my efforts were fruitless, leaving me at a loss.

Furthermore, a purchase of a money order at USPS on XX/XX/2024, resulted in a protracted ordeal involving XXXX XXXX. Despite the tardiness in their response, compounded by the partial completion of the money order, I diligently pursued resolution to no avail. Throughout these challenges, I diligently engaged with Bank of America, seeking clarification and recourse for each issue. Regrettably, the limitations imposed on the number of claims within a specified timeframe hindered my ability to seek redress adequately. Moreover, a recent incident on XX/XX/2024, wherein my card malfunctioned during a transaction at XXXX, further underscores the deficiencies in Bank of America 's service. The subsequent interaction with a customer service representative, characterized by a lack of comprehension and relevance, only compounded my frustration.

In light of these events, I implore Bank of America to reevaluate its policies regarding account closures and customer service. As a loyal patron, I deserve transparency, accountability, and timely resolution of grievances. Failure to address these concerns adequately will compel me to explore alternative banking options. 

.