davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (PA)

Certegy Payment Solutions , LLC has denied me to cash a check at XXXX. I called to speak with a representative as to why. I was told I have negative information on file, and that the check is good. They gave me my check business phone number and tried to hurry me off the phone. I got the run around as to what was negative on file, and why they could not cash a check that was more than in good standing. The check was able to be cashed at a different store moments later. The check had nothing to do with why I was denied. I was denied because of myself, however, they can not tell me why. I requested a consumer file disclosure report. This report only had information for the date my check was denied at XXXX, and an approved in inquiry for XXXX. The XXXX check denial has a code ( XXXX ) that states " This transaction received a decline recommendation from XXXX because our records indicate that there is negative information on file, most typically due to a returned check. '' No other information was received, no negative reports and any information as to why they would deny me. Per my rights under FCRA, I am entitled to the information that was used against me to deny my transaction. The company states in their XXXX denial code that a returned check is on file. If this is on file, this needs disclosed. It feels like discrimination. They can not tell me why they deny me, but can deny me. This is wrong, and they are not disclosing what information in my file that is being used against me, therefore they are violating my rights under the FCRA.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 XXXX XXXX XXXX. 
XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In XXXX of 2019 I applied and was approved by XXXX XXXX XXXX XXXX for a Car Loan at the best available interest rate. 

On XX/XX/XXXX, I recieve my Equifax credit score from XXXX stating my Equifax Credit Score is XXXX. 

I ran all 3 credit reports before and prior to my loan and it appears as the following : Equifax = XXXX XXXX =XXXX XXXX XXXX Although it did not affect this loan, I am not pleased at the inaccurate information. Over 40 pts. 

Why do I even bother working on my credit score when these agencies go with an arbitrary number. 

This is not right and misleading. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late in XX/XX/XXXX another 30 days on XX/XX/XXXX another 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased 3 gift cards ( {$500.00}, {$500.00}, & {$10.00} ) for XXXX XXXX to complete an online purchase ; however, when I went to use the cards they show {$0.00} balance. Per the terms
Consumer complaint received 2019-04-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (IL)

The problem is with Synchrony Bank. The proper forms to request IRA required minimum withdrawals were mailed to Synchrony Bank. They acknowleged receipt on XX/XX/2019.I called on XX/XX/XXXX, to determine the status of my request, and was told processing takes 3 to 5 business days.The XXXX was, of course, already the 5 day nad the transaction had not yet been processed. On checked on line today, XX/XX/XXXX, and found the transaction had not yet been processed. In, addition, I was told the transaction would take place within the next three business days. I asked to speak with a supervisor and was told I would receive a call back within two days. 

I have a major concern : doesn't Synchrony have the funds available for disbursement : do they have a liquidity problem : are they in danger of failing? 
Secondly, what type of customer service service is this?
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (FL)

On XX/XX/2020 I received a call from ERC in XXXX, La. The first caller asked if I was me then told me to hold because there was someone who wanted to discuss a business matter. I own three businesses. The next person attempted to get my personal information and I asked the nature of the call and they kept reciting it was a personal business matter. Never once would they disclose the specifics even after I asked for them 3 times. I ended the call by stating you have to disclose who you are before asking for information and not to contact me again. I am in a debt settlement program and they arent to call me anyway.
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NV)

I previously filed an identity theft compliant with the FTC. In that report the collection company LVNV was  listed as a company that was reporting on my credit files fraudulently. 
I subsequently sent to the CRA 's the FTC filing including this company. I requested, as I'm afforded by law ; that because of this filing that several items be removed/blocked from my credit file. Somehow LVNV is still resporting and has allegedly been 'verified '. This can not be true or at all possible. LVNV have since sent me statements and bills from the original creditor, which in no way is valid proof that the debt belongs to me.
Consumer complaint received 2019-04-17
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: First Federal Credit Control, Inc. (OH)

There are 2 accounts on my credit that are effecting my score that are not fine and need removed asap from all 3 credit agencies I am writing to dispute the items I have attached in this letter that are on my credit report. I have also included my drivers license to validate my identity. There are multiple items that do not belong on my credit report That I have disputed in the past and you have removed from my credit. Now they are appearing again and my credit has dropped 50 points. These need to be removed and my credit score be updated. This is very disturbing to me as I work very hard, I have insurance and these accounts are not mine that are on my credit. I am not sure why you have put them back on but the other 2 credit bureaus have removed them and I need this updated ASAP In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Federal Law require your credit reporting agency to verify physical records on file of the original signed account or contract from any accounts you post on my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative accounts be verified, and/or removed immediately. 
XXXX XXXX  XXXX First Federal Credit XXXX XXXX XXXX XXXX XXXX First Federal Credit XXXX XXXX
Consumer complaint received 2020-01-29
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. (TN)

On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WorldRemit Corp. (PA)

On XX/XX/2019, I used WorldRemit to send money internationally to XXXX WorldRemit 's website was seemingly very clear about all of the fees involved. The transaction went smoothly. However, when I received my credit card bill from XXXX ( statement for billing period XX/XX/19-XX/XX/19 ), I found I was charged a large fee for making a cash advance. 

When I made the transaction on WorldRemit, there was nothing to indicate that the transaction would be treated as a cash advance. I called XXXX to complain, and they told me that they had no control over the fee -- that the merchant ( WorldRemit ) submitted the transaction as a cash advance. I called WorldRemit to complain, and they told me that they had no control over the way in which the bank processed the transaction -- that they did not submit it as a cash advance, but that XXXX chose to process it as a cash advance. 

Since neither company accepts responsibility for the additional fee, I am considering both to be committing fraud.
Consumer complaint received 2023-06-28
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX and JPMCB Card services has violated my rights. 
These cards were not in my possession at the time of the accused late payments. 

Furthermore, 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX XX/XX/XXXX USAA violated the Electronic Fund Transfer Act and Regulation E by  failing to properly honor consumers stop payment requests on preauthorized electronic fund transfers, and by failing to initiate and complete reasonable error resolution investigations. Their actions from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX exhibit unlawful behaviour similar to earlier behaviour for which USAA settled with the CFPB. A summary of the events which took place is below : XXXX XX/XX/XXXX - Home sale, mortgage balance paid off XXXX XX/XX/XXXX - Unauthorized transaction by mortgage service company for a paid off loan XXXX XX/XX/XXXX - USAA approves unauthorized transaction XXXX XX/XX/XXXX - USAA creates an overdraft loan in customers name XXXX XX/XX/XXXX - USAA creates a finance charge for their overdraft loan XXXX XX/XX/XXXX - USAA reverses overdraft loan and unauthorized transaction XXXX XX/XX/XXXX to XX/XX/XXXX - USAA insists the finance charge is legitimate and must be paid, refuses to reverse the fee, sends overdue balance to credit reporting agencies which reduces the customer 's credit score from XXXX to XXXX. 

In simple terms, USAA commited fraud and theft through clever use of timing of automated transactions on their ledger. By authorizing and then reversing third party transactions USAA is able to levy a very small fee on the customer who is told the fee can not be reversed. USAA then threatens to destroy the customers credit score if  they refuse to pay the fee, relying on the fact that the fee is so small it's easier for the customer to pay it than to fight it, thus extracting rents from their deposit holders.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your efforts in addressing some inaccuracies in my file, yet there remain items that require removal. According to FCRA XXXX XXXX, you are obligated to remove any items listed in an FTC report, specifically FTC REPORT # XXXX. These issues were previously detailed in that report and an earlier complaint, and I am highlighting them again with the new FTC report # XXXX. I have informed my attorney of my plans, and they are prepared to ensure accountability in the event of your deliberate non-compliance. It is important to note that you have XXXX business days to remove any inaccurately reported items from my credit file. I do not authorize the use of E-OSCAR or any form of automated verification for this process : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I anticipate your prompt action on this matter and a response within XXXX business days.
Consumer complaint received 2022-10-26
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. (IL)

This is regarding an existing issue with transunion and XXXX XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-03-02
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. (TX)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-26
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. (VA)

I want an investigation with XXXX XXXX as their seems to be an hard inquiry on my credit report with transunion. I investigate my report on XX/XX/2022 through TransUnion. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because I was in process or preparing with filing XXXX XXXX XXXX. The date I filed bankruptcy was XX/XX/2022.
Consumer complaint received 2020-12-23
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. (AR)

I have sent several letter to companies by the names of XXXX, Equifax, and XXXX, yet they have failed to respond to my dispute letters. I have not received any responses over the last 6 months.
Consumer complaint received 2023-01-11
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-02-06
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. (TX)

XXXX XXXX is been reporting on my credit since 2012. Its been almost 7 years and still reports with the new collection that buys the debt on my credit and this is affecting me and my children since this collection has me unable to buy a house to provide for my chcildren. 

It reports to the three major bureau credit and I need this to be deleted.