davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (TX)

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # 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 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

I have disputed the the fraudulent items several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Consumer complaint received 2021-12-23
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: SYNCHRONY FINANCIAL (CA)

XXXX and Synchrony Bank/PPC are fraudulently reporting my PPC account with a balance and incorrect information. This account was settled in full based upon a written settlement agreement made between Synchrony and their representative and myself. Disputes have since been filed multiple times with the credit bureaus and Synchrony fraudulently reports the data to the credit bureaus as correct when it is not. Synchrony and their collections group, XXXX also violated the Rosenthal act 5 times by contacting me between XXXX, despite being reminded they were violating federal laws.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As of the day this complaint is being submitted the account information being reported on my consumer report regarding XXXX XXXX  account # XXXX is being reported inaccurate/incompletely by Transunion on my consumer report, causing me a financial hardship.
Consumer complaint received 2023-03-06
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. (TX)

This is my multiple request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ( Original Creditor : XXXX  XXXX  XXXX ) XXXX Balance : {$780.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
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. (IN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 this company is govern by 15 USC 1681, and they have violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Transunion permission to furnish these accounts at 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 2024-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TradeStation Group, Inc. (FL)

On XXXX  XX/XX/XXXX I submitted information to Trade Station to wire {$42000.00} from my IRA account. It was to be sent to my local bank 's XXXX XXXX IRA account. On XXXX XXXXXX/XX/XXXX I checked to see if it was in my XXXX Acct. it was not. I then called Trade Station to notify them. They said it should take XXXX hours. That brought us to last weekend, I kept checking my XXXX account and nothing had been received I ran up to XXXX on XXXX and asked XXXX of the representatives if the money should be in. She told me yes it should be in by then. I then asked what I could do on my end. She said to contact sender to put a tracer on it. On XXXX morning XX/XX/XXXX I called Trade Station and said I wanted them to run a tracer they said they didn't do that it was the receivers issue. I then insisted they give me the tracking info so I could take it to XXXX for tracing. By XXXX on XXXX I received an encrypted email from Trade Station with the info. Took it up to XXXX and they gave info to their wiring department. On XXXX, XX/XX/XXXX spoke to XXXX Bank representative who said the bank never received the wire. So on XXXX XXXXXX/XX/XXXX I contacted Trade Station to see what could be done. They said they would put a recall in but said it could take a week and they couldn't promise anything. They have not been helpful and from doing research I have decided to reach out for help before I lose my IRA Account. I am a XXXX XXXX XXXX XXXX and need this as I rely on this IRA and my Social Security for income. Attached is the wiring instructions we gave to Trade Station from XXXX Bank.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

I purchased a XXXX  debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX  continued to say they were. There was no resolution and I spoke with XXXX  for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new card.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a cfpb complaint to resolve a charge off on my credit report. ( Happened during Covid ) In the consumer protection bureau complaint Bank of America leaves a phone number to call and do not respond to complaints. I have been calling and leaving messages for XXXX years and no one ever picks up or calls you back. The voice mail says XXXX XXXX to XXXX XXXX est time. I called the charge off department today and spoke to a XXXX about XXXX XXXX  east XX/XX/year>. He said he would help but left me on long hold. He apparently was attempting to transfer me to different lines, it seems like it was call avoidance. Finally they answer XXXX and she said it is new in their department charge offs so she spoke to her manager and they said I need to speak to credit cards, then she transferred me the call gets disconnected! Bank of America gets paid for reporting bad information on your credit so they are not trying to help me. In XXXX years it will be off my credit but I am a boa business customer also I was trying to resolve it! They put a resolution number to CFPB and do nothing. How does the government let this happen to consumers. We are not protected. They did not respond this service is supposed to have the company respond
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC (IL)

I received a negative mark on my credit from a company called Sunrise. I have never received notification from them before. The description states its for XXXX XXXX, which is my current cell company and I have never missed a payment. This has caused significant damage to my credit score. I dont know what this debt is for. There are requirements with regards to notification which I never received.
Consumer complaint received 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I had a box of my personal checks stolen by my USPS carrier and had to close my checking account. I went to Synchrony Bank website and updated my bank information. I should've known better! I changed banking information before when I switched to XXXX XXXX and the same thing happened. They don't actually change your banking info, so that it defaults and you get charged a late fee. Fool me once... anyway... this second time, I got charged a late fee even though I updated my information on the same day I got my new checking account. I saw that they debited my account for my regularly scheduled payment of XXXX plus the late fee of {$30.00}. I was XXXX. Trying to call this sham of a company is pointless. I was told that they were refunding me on XX/XX/23, in the amount of {$100.00} as they took more than my payment WITHOUT MY CONSENT. It's now XXXX weeks later and I have yet to get that refund. My account reflects the balance due of {$700.00} which is still the balance owed on the account after the {$100.00} was taken without my consent which tells me that they DID NOT ever refund my money and LIED to me. I have called twice today XX/XX/23, hung up on the first time and the second time, I was told that the late fee was waived and they they DO update bank information " if it is correct '' ( this call is recorded so you can verify this is what was said to me by the XXXX agent ''. Yes, they waived the late fee after I called and was incensed. I am now on the phone as I type this and I was informed that a check for {$30.00}, not {$100.00} was issued and they had me verify the address which is accurate. All I get is runaround from this company. I am currently waiting on another " supervisor '' but I doubt that I will see any resolution. I have closed my account due to their shady practices and would like to see some actual resolution that is satisfactory to me. I do have " informed delivery '' via USPS and I have not ever seen any mail to me from this company.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This happened on XX/XX/2024, at approximately XXXX, in one of Capital one branches XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have deposited/ paid off my credit card bill of {$9200.00}. ( For the record the bills were in {$100.00} ) the ATM all of a sudden shut down and said temporary down, and can't take deposits. We instantly contacted branch employees, they were completely useless. And I called the customer service department to report this issue, then called the next day to follow up and they said were looking into it. Almost 2 weeks later they have posted my credit card with {$9200.00}. I called again on XXXX, XXXX, and XXXX for updates and confirmation. Capital one supervisor were deceiving me. and told me they working on it. and on the XXXX I have gotten a mail, saying my case is closed and can't be reopened nor reinvestigated. Need someone to look into this. Because since when banks rob its customers.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (DE)

XXXX allowed an inaccurate account to be furnished on my credit report. XXXX did not investigate this account prior to it being placed on the account. Consumer has proof that the account should no longer be on account. This made the consumer 's credit score go down significantly, with no valid proof. 

Also, it appears that Nationwide Recovery Systems , Ltd shared or furnished my personal information to another creditor without my CONSENT, which was with the National Recovery Agency. XXXX XXXX XXXX provided notice that this account was closed and that it would no longer be reflected on any credit report. This made my credit score decrease significantly and has had an adverse impact on my credit.
Consumer complaint received 2023-02-28
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. (NY)

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 u.s.c. 1681 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 15 u.s.c. 1681 section 602 A. states i have the right to privacy.

15 u.s.c. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without 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 otheradverse 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 informationrelating 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 2024-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX there were XXXX XXXX transactions that were unauthorized on my account totaling {$600.00}. Then early the next morning there were XXXX more XXXX transactions that were unauthorized on my account totaling {$400.00}. So a total of {$1000.00}. I did not receive a letter about my claim so I called Wells Fargo on the XXXX or XXXX of XXXX and they said my claim was denied. So I appealed it. I still did not receive a letter so I called back on the XXXX of XXXX with the new claim number that I received on the XXXX or XXXX and was denied again.So once again I appealed the decision. On XX/XX/XXXX I received a letter and the XXXX and XXXX XXXX XXXX office once again denied my claim stating the following : " We found compelling evidence supporting the decision that we have already communicated to you. There are certain indicators that we look for in the investigation to let us know that there has indeed been fraud on the account. During the investigation, we were not able to find any of those indicators present and denied the claim. '' So then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX informing that there was a data security incident that occurred approximately between XX/XX/XXXX and XX/XX/XXXX and that personal information including name, and one or more of the following, DOB, SSN, Passport, Drivers License, health information, and or health insurance information was compromised. So with this one information I went down to the bank and filed another claim with an actual banker and I was asked to write a letter outlining the entire timeline and I did and that letter along with the data breach letter I received sent it back in to Wells Fargo for review. I believe this was around the XXXX of XXXX. So I didn't hear anything so once again called the fraud department and they said they never received any thing. So I contacted the banker and she re faxed it. Well we are now sitting on the XXXX of XXXX and I still once again have not received a letter so I call and they tell me the claim was denied on XX/XX/XXXX. Since the Wells Fargo who I had been a good customer for for XXXX years is basically refusing to refund my money. I need help to get my money back
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Reached out numerous of times to dispute the inaccuracy being reported on all three credit bureaus by asking for a good will adjustment due to the inaccurate payment history, being displayed and reported differently on all three reports my request was denied
Consumer complaint received 2023-01-19
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (CT)

On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. *Account was verify/Updated as been verified and accurate*. On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. On XX/XX/2023 I receive what its to be verification from XXXX XXXX XXXX  proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy. PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

ATTACHMENTS XXXX XXXX ( XXXX ) .pdf ( XXXX MB )