davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX # XXXX XXXX, has violated my rights. This item was disputed 4 years ago and removed and as of today, it appeared again. 

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 2023-09-04
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: Experian Information Solutions Inc. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$18000.00}.
Consumer complaint received 2023-02-13
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. (LA)

Transunion is in violation of FCRA 1681b A 2 1681i 5 Consumer law states my transactions and experiences are non public personal information that's confidential Consumer data. 
US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX does not have written permission to furnish unauthorized inaccurate inconsistent information to my Consumer Report
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I am writing to formally lodge a complaint and request an investigation into concerning practices observed with my accounts at America First Credit Union. The issues at hand involve misreporting of charge off status and the failure to provide necessary documentation, raising significant concerns about compliance with regulatory standards. 

Firstly, it has come to my attention that despite the accounts being charged off, they continue to be inaccurately reported on my credit report. This misreporting is particularly alarming as it contradicts both IRS regulations, where unpaid charge off is considered income, and FCRA guidelines, which prohibit the reporting of income on credit reports. Therefore, I am requesting a 1099-C ( Cancellation of Debt ) for the charged off accounts listed below : 1. America First Credit Union - Account Number : XXXX Furthermore, upon reviewing my most current credit report, I discovered that the account in question has purportedly been purchased by XXXX XXXX. This raises a critical concern, as a charged off account can not be reported on my credit report if it has been sold to another lender. 

Given the gravity of these issues, I urge the CFPB to initiate a thorough investigation into the practices of America First Credit Union and XXXX Collections regarding the misreporting of charge off status and failure to provide accurate documentation. Additionally, I request your assistance in facilitating the provision of the 1099-C form for the aforementioned charged off accounts.

I appreciate your immediate attention to this matter and the assistance in resolving these issues promptly. Please confirm receipt of this complaint and provide updates on the progress of the investigation. 

Thank you for your cooperation and commitment to consumer protection.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

With regard to my situation of being defrauded out of approximately {$30000.00} during the Bank closing of my home and the funds transfer from XXXX XXXX to Bank of America, it's been established that although a freeze on the fraud account at Bank of America was initiated by XXXX XXXX , Bank of America FAILED to follow regulatory guidelines and freeze the fraudulent account. This resulted in a loss of approximately {$30000.00} to my family and I. 

As an update to my case, someone named XXXX from Bank of America reached out to me on XX/XX/XXXX at XXXX, the incoming number was XXXX. I again explained my situation and asked XXXX why the Bank of America fraud account was NEVER frozen when a SWIFT RECALL was placed by XXXX XXXX and why the Bank of America fraud department is not willing to work with law enforcement. I tried to add law enforcement to the call, but as soon as the call was connected to the detective assigned to my case, XXXX abruptly hung up the call. Again, I can not understand how a professional transaction between XXXX XXXX and Bank of America on the closing of my home has left me and my family defrauded like this. I was defrauded out of approximately {$30000.00} because Bank of America failed to follow OCC guidelines and Banking Regulations. 

As per OCC guidelines, Bank of America should have frozen the fraudulent account initiated by XXXX XXXX and should have risk management in place to detect and prevent fraud. 

Operational Risk : Fraud Risk Management Principles | OCC ( treas.gov ) Bank of America to pay XXXX XXXXXXXX in fines, customer refunds over junk fees, fake accounts ( XXXX ) The detective working on this case has successfully subpoenaed the fraudulent Bank of America account statement and information pertaining to the activities of the account. From the statement of the fraudulent account, where my funds were transferred to, it is crystal clear that Bank of America NEVER froze the fraud account. The negligence of FAILING to freeze the fraud account and work with law enforcement has resulted in my family and I losing a substantial amount of money. My funds were left unattended in a fraudulent account where the fraudsters continued to log onto the account online, withdraw substantial money from the branch and continue to withdraw money from ATMs after we frantically issued a swift recall from XXXX XXXX. I am a working Mom with XXXX children and I honestly can not afford this kind of monetary loss. 

I am again asking representatives of Bank of America to contact me, the detective assigned to my case and XXXX XXXX and work with us.
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the fair credit reporting act XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-09
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-08-09
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed above, which appears on my credit report, does not relate to any transact

ion ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B
of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information Experian : 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 2018-04-17
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: SYNCHRONY FINANCIAL (CA)

I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY
Consumer complaint received 2023-08-09
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXXXXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account number 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 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
Consumer complaint received 2023-01-24
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: National Credit Adjusters, LLC (TX)

THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY NATIONAL CREDIT ADJUSTERS. I'VE TAKEN A LOOK AT THE DOCUMENTS THAT WAS SENT IN RESPONSE AND THERE ARE STILL MANY PROBLEMS. I SEE THAT NCA IS REPORTING A DIFFERENT BALANCE DUE THAN WHAT THE ORIGINAL CREDITOR CLAIM I OWE. ALSO, THEY ARE CHARGING INTEREST AND FEES ON AN ACCOUNT THAT THEY APPARENTLY BOUGHT OUT FROM A CREDITOR ... HOW IS THIS LEGAL? THIS MUST BE WHERE THE DISCREPANCY IS COMING FROM. ALSO, THE ORIGINAL LENDER ON THE PROMISSORY NOTE SAYS XXXX XXXX, BUT I WENT STRICTLY THROUGH XXXX XXXX AND THEY DID NOT CORRESPOND ANTHING ABOUT THIS COMPANY SO I CAN NOT BE TOO SURE THAT THIS IS FACTUAL. LASTLY, NATIONAL CREDIT ADJUSTERS DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX ACCESS THEY ARE NOT. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.
Consumer complaint received 2023-02-26
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 am writing to dispute the following information that appears on my consumer report. 

Credit Collections Service is reporting a collections account that shows a balance of {$97.00} to XXXX. That is inaccurate. I have no account with a balance with XXXX XXXX. This is fraud and a complete lie. PLEASE REMOVE THIS FRAUD FROM MY CREDIT REPORT IMMEDIATELY.!!!!
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

On or about XX/XX/2022 Citibank was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. Only a few XXXX $ balance. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought ) 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. I guess I'm supposed to XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX to appease them..
Consumer complaint received 2018-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (VA)

I have an original copy of a Certificate of Deposit held with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX IN XXXX, for which I discovered they were merged with or acquired by BMO Harris Bank National Association, on XX/XX/XXXX. I contacted BMO bank and spoke with 2 different representatives on XX/XX/XXXX. The first representative had no information regarding these unclaimed funds and suggested I contact State of Indiana. State of Indiana informed me they had no information regarding unclaimed funds, and suggested I find out from BMO Harris more information regarding Report number, Date and name it was filed as, and amount. When I contacted XXXX XXXX on their national toll free line, I was instructed they can not help me. I asked that they route me up the chain to their supervisor or management and agent stated this was not allowed. Agents name was XXXX and his supervisor 's name was XXXX XXXX, though agent would not spell names, nor provide me with and Agent ID number. 
I am left without any record or way of tracking down the funds for my Certificate of Deposit, for which I have the original signed CD paperwork, as well as the last notice I received from XXXX XXXX XXXX in XX/XX/XXXXwith the maturity amount. I am happy to forward copies of paperwork. Can you please help me?
Consumer complaint received 2023-01-24
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 — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (OH)

This complaint is in response for complaint number XXXX. The facts are XXXX received THREE checks. XXXX received two checks on XX/XX/22 for {$3700.00} and {$1400.00}. On XX/XX/22 XXXX received the THIRD check for {$1700.00}. All three checks was applied as a monthly payment. Under complaint XXXX XXXX  alleged that I requested all three checks to go only towards my principal balance, which is a LIE! I attached the emails between me and XXXX XXXX who works at the Ohio General Attorney office which show me ONLY requesting the check for {$1700.00} to go towards my principle balance. If you look at XXXX XXXX response who ( works at Hyundai Capital America ), his response is highlighted showing XXXX XXXX acknowledged I only wanted to apply the check for {$1700.00} to my principal balance. Where do you see me asking for the first two checks {$3700.00} and {$1400.00} to be applied to my principal balance? NO WHERE!!! XXXX XXXX failed to apply the third check {$1700.00} to my principal balance which prompted me to call XXXX on XX/XX/22 to request this be done because XXXX XXXX ensured that it would be done and FAILED to do so. On XX/XX/22, is when someone from XXXX went in and moved the money from payments {$3700.00} and {$1400.00} to my principle balance WITHOUT MY CONSENT, which made my account late. Someone from the customer care team called on XX/XX/22 and admitted/ACKNOWLEDGED that XXXX made an error on my account and did not try to correct the issue. Instead, XXXX tried to make it seem like my account was late when it wasn't until XXXX went in and changed my payments. I sent in all the proof, showing I DID NOT request all THREE ancillary product refunds that XXXX received to only be applied to my principle balance. The calls are recorded, this is also my proof! I was never late, XXXX received two payments on XX/XX/22 which paid my account up to XXXX, the reason why I received NO PAYMENT due statements for XXXX and XXXX. I even attached my payment history showing {$300.00} going to interest for checks {$3700.00} and {$1400.00} before XXXX went into my account to changed it.
Consumer complaint received 2023-02-06
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX and XXXX XXXX Account number XXXX have 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 that a consumer agency can not furnish an account with out my written instructions.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (CO)

On XX/XX/XXXX, after receiving an email from the direct bank XXXX XXXX indicating that a linked external account was available for transfers to and from a XXXX XXXX XXXX XXXX XXXX XXXX Account, ( which itself happened after all the usual verification hoop jumping ) I initiated a transfer of {$450.00} from that account to the new XXXX XXXX XXXX, to start the XXXX. The account the money was transferred from records the transfer as actually occurring on XX/XX/XXXX. I became aware of the account lock-out after trying to log into the XXXX XXXX account on XX/XX/XXXX to confirm the transfer and XXXX XXXX did not inform me of the lock-out by call or text or email. I was given only vague information when I called the number XXXX XXXX provided, but was told that most holds/lockouts are resolved within ten business days. 
On XX/XX/XXXX, I received a letter from KeyBank ( the parent company of XXXX XXXX ) saying that a hold was initiated on XX/XX/XXXX and that " the account hold is typically resolved within XXXX days. '' The letter provides three possible reasons for why the hold was placed. The first two involve me reporting fraudulent activity and are not applicable. The third reason is " KeyBank detected suspicious activity related to your deposit account or online banking profile ''. The timing of the hold implies that the " suspicious activity '' is the transfer I made after being told by XXXX XXXX that I could make transfers. 
On XX/XX/XXXX, I sent an email to XXXX XXXX offering to verify my identity however they preferred and answer any questions they had, and that if they would not do this, then I wanted my money returned. I received a vague, unhelpful response the next day. 
As of at least thirteen business days after being told the issues was likely to be resolved within ten days, the money has not been returned despite my request, I have no access to my account, and as I have no firm information about when I will have access to the account, and as I was not clearly told in the process of opening the account that I would have no access to the account, ( if I was told I would have no access, I would not have opened the account ) I consider the money stolen.
Consumer complaint received 2023-08-09
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)

My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. Please repair this account ASAP.
Consumer complaint received 2023-12-07
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: National Credit Systems,Inc. (FL)

I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.