davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2024-08-16
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. (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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which 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 2021-10-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (OH)

As of XX/XX/21, my account with One Main Financial is reporting both a judgment and a collection for the same account. Duplicating account information like this is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. They should be reporting the judgemet or collection but not both.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On Saturday XX/XX/2020 someone accessed my account without my knowledge and attempted to send themselves money through XXXX with the name XXXX XXXX. On Sunday XX/XX/2020 I called USAA and informed them, they told me that my account had been compromised and that they fixed it. Later that day my account was once again compromised and a deposit of {$2000.00} was made. The person was named XXXX XXXX, they sent themselves {$330.00} through XXXX once more. The moment I realized someone was in my account I called USAA in tears. The created a fraud claim and told me to call back on Monday XX/XX/2020 at XXXX my time for an update. I called today Monday XX/XX/2020 and was informed that the fraud department found that it wasnt fraud. I was then told to create a dispute because the person on the line didnt understand how it wasnt fraud. I was then on the phone with USAA for an hour and a half being transferred by multiple people just to be told that they will open yet another fraud claim as well as a dispute. Before this my account had {$140.00} my account now has - {$190.00} that I can not afford due to being laid off cause of COVID-19. They told me it would take YET ANOTHER 1-2 business days to figure out what has been happening. USAA has been no help throughout this and has put me through more emotional damage and trouble than the initial experience.
Consumer complaint received 2021-10-18
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. (TX)

On XX/XX/XXXX I called this morning to have multiple inquiries removed from my report that shouldnt be there, Ive sent in multiple disputes requesting that the information be investigated & deleted but Transunion continues to violate the FCRA. I know for a fact the representative of the fraud department was being difficult especially if they could see theres been several disputes sent in regarding this issue
Consumer complaint received 2020-03-30
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)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.
Consumer complaint received 2015-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TransUnion customer service is useless - could not get a human on the call. 
Based on XXXX XXXX - the following Creditor was paid in full close to 1 year ago. 
TransUnion is still reflecting this on my credit report. My new employer will be doing a background check and I need this fixed ASAP! 
Dispute Account : XXXX {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnion
Consumer complaint received 2017-02-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

A leased car was returned to Ally Financial with all leased payments made. Ally inspected the car and stated that the " Key Fob '' did not work and have now billed me {$130.00} for a new fob. My concerns are : I returned the car to the dealer and the dealer made the remaining payments, car returned on XXXX/XXXX/XXXX, inspection of car made XXXX/XXXX/XXXX, all fobs worked on XXXX/XXXX/XXXX ( last time I saw the car ), I was never present at the XXXX/XXXX/XXXX inspection, do n't know if it needed a battery, or if it was the correct fob. Inspection report attached. 
Called Ally on XXXX/XXXX/XXXX and was told that I would be contacted in a few days, no contact was received, only the second letter which is attached. Ally assigned incident number XXXX to my call.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/2021 XXXX I deposited approximately XXXX dollars into the local chase atm. The money was ate by the atm, a big red box appeared that said erro and coughed up this receipt ( see attachment ). I called Chase filed a claim, they get back to me and tell me the claim was closed and no money was ever deposited into that atm. 

I am beyond frustrated and upset at this.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MN)

I am a victim of identity theft and their are unauthorized and fraudulent credit accounts and inquiries listed on my Experian credit report. The following credit accounts and inquiries listed are fraudulent and unauthorized : XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, Credit Plus, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX.
Consumer complaint received 2022-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (OK)

in XXXX of 2022 i got insurance with progressive and was quoted for my policy at XXXXXXXX XXXX XXXX dollars. i payed the initial payment of XXXX on XX/XX/XXXX. when may came along and i was to start my new policy in another state, i was told they never received my documents and would be charged XXXX  monthly for my policy. i called progressive many times and tired emailing them the documents they requested. each time i called i was told they didn't receive the documents and would take up to XXXX hours to show in their system. i tired to reach out to the insurance broker that sold me the insurance but wasn't ever able to get a hold of her. i was told because my miles went up due moving and because i didn't submit my documents in time they would continue to charge me XXXX each month. i cancelled my service and then i have a collection of XXXX on my credit report.
Consumer complaint received 2021-10-18
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. (CO)

Hello, Please look at page 14 of the document I provided. 


I have dispute the XXXX XXXX account on my Experian credit report several times. This was an account that was opened without my authorization and when I realized the account was reporting negative information in XX/XX/XXXX, I disputed the account and asked them to close it and remove the negative information with all credit bureaus. Experian is the only reporting agency that hasn't removed the account. 

I have even went as far as paying the charge-off to try to remove it or lessen the affect it has on my scores. But that hasn't worked either because Experian inaccurately reports it as a charge off for 39 random months after the original charge off. 

Instead of 1 charge off at shows at 43 negative events. 

This account which is inaccurately mine to begin with should fall off my credit in XX/XX/XXXX, 7-years from the original charge off. But because of how XXXX XXXX and Experian report it, I'm at risk of it not falling off until 7-years after the last reported Charge Off in XX/XX/XXXX. 

This data is inaccurate and hurts my otherwise responsible credit history.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got unathorized pruchases on my personal account at bank of america, they ha failed to do proper research and give my money bank Those payments were made in arkansas and i live in california, the sum is about {$2900.00} dollars. This is my life savings. 

This issue has been around since late XX/XX/2021 Thanks in advance for your help
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Tried five times to freeze account since XX/XX/XXXX both online and then by calling the telephone number they sent me via usps mail. Froze both the two other bureaus within 5 minutes. 
Currently been on telephone hold with Equifax for one hour five minutes on the number they gave me and still waiting. This company should not be in business in U.S.
Consumer complaint received 2022-04-13
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2021-10-18
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX XXXX. 

Few months ago when I was unemployed, I registered for EDD unemployment and got paid through bank of America prepaid card from EDD. 

But as of today I've got a job and I am not receiving any benefits anymore. 

I've tried to close my account with bank of America but it seems no one is helping. I've already contacted EDD to close my account and they did. 

I want bank of America to close my card account and prevent further usage as it seems someone is trying to use my information to certify for another EDD benefits. 

EDD reached out to me few weeks ago and asked me if I've applied for another benefits and I said no, and they said I should contact bank of America to block and freeze my card to make sure no one will use it to collect any further benefits on my name. 

So I am reaching out to bank of America using this complaint to shut down and close my EDD debit card account because I've now gotten a job and I do not intend to use it again. So I want to be closed with immediate effect. 

All I need is for bank of America to close my card account and not to open it anymore as I've been a victim of identity theft recently. 

Also Bank of America should tell anyone who contact them pretending to me to go through a thorough verification such as asking to the person to mail a letter to bank of America with a scanned ID card or a selfie holding ID with today 's date on it. 

I am making this complaint because I don't want any other person to use my information to receive benefits. 

Thank you The card number I'm complaining about is XXXX
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (OR)

So I noticed a collection account on my credit report. So I called the collection company ( XX/XX/XXXX ) they told me the amount due if I didn't plan to continue the college course would be XXXX. ( Talked with XXXX Ext XXXX ) Over a week has past and the payment was reported to the credit bureau but still had the original balance as if I would wanted to finish the college course. I called again today ( XX/XX/XXXX ) and they said they never told me that amount, and that I still owed more.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MI)

I have contacted synchrony bank multiple times every month for at least six months. I have a visa with store rewards every month the rewards disappear before I can use them. They have instructed me to change all passwords and have investigated and months later reissued rewards that disappear again. They have stated this is a known problem but havent fixed it and continue to put customers through unnecessary work month after month. I believe my information has been compromised and they are doing nothing about it. Also a few months ago a new account with this bank, different store, was opened in my name without my knowledge it has been closed but leaves me feeling vulnerable.
Consumer complaint received 2018-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On Monday XX/XX/XXXX, I attempted a minor transaction with my debit card and I was informed that the transaction was denied. When I called my bank, XXXX, to inquire about the declined transaction, I was informed that my account was frozen ( put on hold ), and I was given a number to call ( XXXX ) XXXX which was listed as XXXX XXXX XXXX XXXX XXXX. When I called the law firm, I was told that they were collecting a debt owned by Bank of America for an account attached to a checking account ending in XXXX. When I told them that I did not own any money to Bank of America, they said they would investigate this claim with their compliance department. The next day, they withdraw {$1500.00} from my bank account and attempted to withdraw an additional {$1500.00} on Wednesday ( today ), leaving my account in the arrears for {$1500.00} ( I had {$1500.00} in my account ). I spoke to a bank manager at XXXX and he and I called the creditors together and it was unclear what instrument ( credit card, loan, checking account ) they were collecting on and the representative said it was an old debt from XXXX that they couldn't collect on until now. I proceeded to go to Bank of America and I spoke with a bank officer who  searched with the help of the home office to see if I had any unpaid debts or balances on past accounts. My bank accounts were paid in full when they were closed ; I opened a new account at XXXX. However, they did find an old credit card debt from XXXX which had a balance of approximately {$3000.00} which I settled for {$260.00} with the Bank of America. I was told that this debt may have been sold to a third party and 17 years later they collected the debt. Is this possible? I wasn't contacted, served papers, or issued a lien ; my account/assets were just frozen and seized. Please assist me.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. 
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any email or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress.
Consumer complaint received 2022-04-13
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: National Credit Adjusters, LLC (TX)

National Credit Adjusters violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 
15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

On XX/XX/2022 i received a letter in the mail from National Credit Adjusters trying to communicate with me in an attempt to collect a debt. In which, the letter i received violated my rights as a consumer.