davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint against TransUnion regarding their repeated failure to investigate and respond to dispute letters I have sent concerning inaccuracies on my credit report. In addition, I disputed incorrect personal information listed on my credit report. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed dispute letters to TransUnion, explicitly requesting an investigation into inaccurate items listed on my credit report. Despite my repeated efforts to address these inaccuracies and adhere to the dispute resolution process outlined by the Fair Credit Reporting Act ( FCRA ), TransUnion has refused to conduct the necessary investigations. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. I received a response back from TransUnion dated XX/XX/XXXX and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 

TransUnion 's failure to acknowledge and investigate my dispute letters is a direct violation of my rights as a consumer under the FCRA. The persistence of inaccurate information on my credit report due to their inaction has caused significant distress and uncertainty regarding my financial standing. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure TransUnion 's compliance with the FCRA. Furthermore, I request that TransUnion promptly conduct the necessary investigations into the disputed items on my credit report and permanently remove the disputed items.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NY)

I opened an account with Wells Fargo XX/XX/22. I gained access through the app that week. On XXXX I sent a XXXX of {$500.00} from my XXXX XXXX XXXX  account to fund my Wells Fargo account. Yesterday on XXXX I lost access to mobile and online banking. I called Wells Fargo who said my balance was {$15.00} and that I will not be allowed access to my account. Wells Fargo not only is not allowing me mobile/online access to my account despite me providing all of my info to them. Wells Fargo has also " lost '' or stolen my {$500.00} which I need to pay bills. I called Wells Fargo again today XXXX to gain resolution and was told to go XXXX myself they can not help me. I am writing to the CFPB to hopefully gain access to my account and get my money back.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/2023 I erroneously sent a payment to my new Citibank Credit card for {$170.00} before I received my statement. I called the company when I noticed my payment wasn't credited. My acct was credited and I thought the problem resolved. However, the payment was reversed on XX/XX/2023. I again contacted the company many times without resolve, last contact was on XXXX/XXXX/203 with XXXX. I just noticed they reversed ANOTHER credit card payment paid on XXXX for {$270.00} on XX/XX/2023. I sent a letter on XX/XX/2023 without resolve and with documentation ( my bank statement indicating payments made and the welcome letter from Citibank with the prototype card that I erroneously made payments to ). I received notification that they did not have enough information to credit my accounts. I have since paid this account through their online system ( from the same bank account they are reversing the other payments ).
Consumer complaint received 2023-06-06
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I have wrote to the credit reporting agency and also send the letter I received from the court stating that they did not send or share my private information with the credit reporting agency. A Bankruptcy is being reported in my credit file which should not be reporting on my file. this is a violation of my consumer right pursuant to the privacy act of 1974 -5 U.S.Code section 552a. this law applies to the access to, and disclosure of, records of individuals held by federal executives and regulatory agencies.The agency also violates 17 CFR 230.425 filling of certain prospectuses and communications under section 230.135 in connection with business combinations; soliciting materials according to rule 14a-12 under the exchange act and Sarbanes-Oxley act of XXXX XXXX This error on the credit reporting agency part is destroying my life, I am XXXX and now suffering of XXXX I am being denied credit. I have not given this agency a written consent to report this information in my file yet they are reporting what ever they feel like selling and buying my personal and private information, they are also violated 17 CFR 248.124 Reasonable opportunity to opt out. I have tried to resolved this issue in XXXX and I have been ignored and disrespected every and each time I have reached out in good faith.As a federally protected consumer I am opting out of any and all authorization I the consumer may have giving you per 15 USC 6802 per the opt out law cease and desist immediately reporting the bankruptcy on my credit file.The violations include obtaining information under false pretence, pursuant 15 USC 1681q ; permissible purpose of my consumer report.15 usc 1681b
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The following accounts were never late I have sent 4 letters without a response XXXX XXXX XXXX Negative Negative Negative open, installment, collection, past due, assigned to attorney, collection agency, or credit grantor 's internal collection department, seriously past due XXXX XXXX XXXXXXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late 2 time ( s )., revolving,30 days late,60 days late XXXX XXXX XXXXXXXX XXXX XXXX Negative Was 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX )., XXXX days XXXX days late, delinquent, past due XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 30 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX )., revolving, settled,30 days late,60 days late,90 days late XXXX XXXX XXXX Negative Negative Negative Was 30 days late XXXX time ( XXXX )., Was 30 days late XXXX time ( XXXX )., revolving,30 days late Please remove the accounts from my credit report
Consumer complaint received 2024-07-08
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. (PA)

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.

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 2022-12-23
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: EQUIFAX, INC. (GA)

Date : XX/XX/22 I sent equifax a copy of the company XXXX XXXX XXXX, sending me a hospital bill without a proper XXXX release form, which is a violation of FCRA. Theyre not suppose to know the treatment Ive received. The tracking number of the letter is XXXX, this needs to be deleted!
Consumer complaint received 2023-07-17
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: Experian Information Solutions Inc. (TX)

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 2022-12-23
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: Experian Information Solutions Inc. (MD)

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 XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 2023-06-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (GA)

On XX/XX/23 a representative called me from the title max store saying I needed to pay {$1000.00} to bring my loan up to date I asked for the information I never received about loan repayment and what I owe and what my money will go to she said she will have someone reach out to me onXXXX  someone called me saying they are from title max corporate office and they asked for me to give them {$500.00} to bring my loan up to date I informed them I asked for information I never received which tells me the details of my loan what the money is going towards my finance rate and everything to explain how I could repay and if what they are charging is indeed what I signed up for he told me I needed to go into the store I explained to him that I am physically un able to go to the store to get this information can you please mail it to me. When I signed up everything is as supposed to be available to me online it never was and I was eventually locked out of my title max account log in app and I continue to receive an error message so these documents that were supposed to be originally available to me on the app were never given to me and I never received a copy of what I thought I signed My original loan was {$1500.00} so I dont understand what hat I am paying for and what is indeed the status of my account the company refuses to provide me any information I. Writing by e mail or by phone
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (MI)

On XX/XX/2023 I deposited a check for {$2500.00} in my checking account from a local bank into my Flagstar checking account. Even though Flagstar received the funds from the deposit within a day they are still refusing to release my money in my account without cause or reason. Today is XX/XX/2023 and they have told me they intend to hold my money until XX/XX/XXXX with no cause or reason. Flagstar is illegally holding my money so they can collect interest on the funds.
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This complaint is regarding accounts. Per XXXX, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or gave permission for this to be reported.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-04-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Today, XX/XX/XXXX, as of XXXX XXXX  I have received 8 calls already. 

Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX  Call 3 at XXXX XXXX Call 4 at XXXX XXXX  Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX
Consumer complaint received 2022-12-23
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. (DE)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Original Creditor : XXXX  Account Number : XXXX Account Name : XXXX XXXX ( XXXX, Equifax ) Account Number : XXXX
Consumer complaint received 2024-04-21
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/XXXX I contacted Comenity, as my credit report showed I was 60 days past due. Comenity determined they were not using my correct address, told me to dispute the late status with the credit agencies, so they could correct. I asked them for a letter, they said no. So I disputed at their request. 

Additionally, on XX/XX/XXXX I made a payment of {$320.00} on the phone with their customer service, providing account number and routing. 

XXXX of my reports ( XXXX and XXXX ) corrected the late status. 

On XX/XX/XXXX, Comenity contacted me, told me my payment was returned by my bank, no account found. I asked the customer service rep for the account number they used- it was incorrect and did not match what I provided them. So again, I made the {$320.00} payment. 

On XX/XX/XXXX Comenity reported me 90 days late and said that my payment hadnt posted yet. 

I demanded they correct this, I made the payment, and through a comedy of errors on their behalf my credit was seriously damaged. I lost XXXX points on my credit score. 

They said they would do an investigation, but refused to share the recordings of the phone calls with me. This is absolutely unacceptable. They are doing an internal investigation of themselves, and not sharing copies of calls that support my claim. Of course they will vindicate themselves.
Consumer complaint received 2022-12-23
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check for XXXX and it clear at XXXX on Monday, XX/XX/2022. The bank is refusing to release the funds until the XXXX. I am sick and need meds and have to pay my rent. I have never bounced a check or had anything negative occur with this account. First they lied & said they didn't get the funds. Now they are still claiming they didn't get the funds. XXXX XXXX XXXX XXXX XXXX insists they paid them days ago on the XXXX @ XXXX. The bank refuses to release my funds until the XXXX. It's xmas and I can't even buy my mom and dad a XXXX card or a gift. The bank is doing this to me and should not be allowed to get away with this. I need my money immediately!
Consumer complaint received 2022-12-23
Product: Credit card or 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: Conduent Incorporated (FL)

In XXXX of XXXX, my wallet was stolen out of my car with my social security card, my kids social security cards, an XXXX bank cards, mail and cash. With my information someone opened up an fraudulent unemployment claim in Florida in XXXX of XXXX and had a Way2Go card set up. In XXXX of XXXX, I actually filed my own unemployment claim over the phone and I was told my claim had been backdated to XXXX of XXXX. I begin noticing that I was XXXX payments on weeks and tried to get in touch with the Florida unemployment but to no avail. On XX/XX/XXXX, someone finally reached out to me and that's when I found out about the money in the sum of over XXXX was sent to the Way2Go card. I tried to dispute the transactions but they are denying my dispute because they're saying I had knowledge of this and waited to long. I'm not being protected. I have attached police report from XX/XX/XXXX and a document from the DEO validating that I had no knowledge of any of this until the phone call on XX/XX/XXXX.