davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
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. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 an unauthorized atm with draw for {$900.00} was made to my account. That same day I filed a claims with the dispute department. I got a letter ( attachment a ) in response to my claim. On XX/XX/2021 I called and asked for them to re open my claim. Than I got a letter in the mail ( attachment b ). I have not been credited the amount stole from my account.
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LTD Financial Services, L.P. (TX)

LTD Financial keeps calling repeatedly asking for me and they say that they have been hired by someone about a financial matter. They will not tell me anything.

They ask for my personal information and say they need verification. I checked my credit score and it is good with no bad reports. I see this company had been sued in 2007 for doing the same thing.
Consumer complaint received 2018-04-27
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. (NC)

I reviewed the Experian credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX  has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX nor XXXX didnt provide it. As I believe all of  them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that Experian refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.
Consumer complaint received 2018-08-03
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: Kansas Counselors, Inc. (MO)

My XXXX  and XXXX  credit report indicates two collection accounts that are not mine. Accounts XXXX an XXXX. 

The collection account belong to Kansas Counselors. The original creditor is XXXX XXXX Hospital. My son who is older than XXXX and shares the same name as me, is responsible for these accounts. 

I talked with XXXX XXXX Hospital and they agree I do not own the accounts or even have an account with them. I talk with Kansas Counselors who has in there records the two accounts incorrectly associated with my social security number. 

I emailed Kansas Counselors twice to ask them to confirm their information with XXXX XXXX Hospital. 

I submitted three XXXX  disputes and one XXXX  dispute ( so far ). Each time they say Kansas Counselors has confirmed the accounts belong to me. 

This is so frustrating. Kansas Counselors has done this to me in the past yeas, but then I got it removed after several disputes.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$9.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$450.00}
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NE)

XXXX XXXX XXXX was offering XXXX bonus points after spending {$3000.00} on American Expresses website. But when I called to activate my card and confirm the promotion they refuse to honor it. They offered to give me XXXX if I spent {$2000.00} but thats not what was advertised. I spoke with XXXX after I got off the phone with American Express and they told me their website states XXXX for {$2000.00} and that what I was offered was incorrect. Im not sure if its a typo or what but its false advertising.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AZ)

I am a victim of identity theft. I never applied for the following credit card : XXXX XXXX : XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me.
Consumer complaint received 2016-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

I am enrolled in the Public Service loan program, which enables me to also be on an income based repayment plan having me make payments of 10 % of my income for XXXX payments and then the rest is forgiven. I recently learned that my loan company miscalculated my 10 % payment. They were basing it off of my gross income instead of my adjusted gross income. This has caused me to pay {$650.00} per month when I should have been paying {$350.00} per month. The servicing company, FedLoan Servicing, recently changed my payment amount to the correct amount, but they are saying there is nothing they can do for all of the money that was overpaid over the course of the last two years. They are saying that " I should have known. '' This is wrong. Previous to Fedloan Servicing, my loans were with XXXX. They also may have had the amount miscalculated for payments I made to them.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Between XXXX XXXX and XXXX XXXX there were three attempts to withdraw funds from my checking account with Bank of America. Two, were successful resulting in XXXX dollars being taken out of my account. The third attempt was at a bank of america ATM where apparently it was denied because they incorrectly put in the pin. Based on their " investigation '' they determined that I was was the one responsible for these purchases. When talking to the last representative about the about the attempts on my account and their decision they had no knowledge about last attempt at their own ATM. If they had done a proper investigation based on the initial report I made where I pointed out all three transaction as not being mine, they would have been able to go back and look at their own cameras and see I was not the one withdrawing funds. Instead, they came to that decision and I would later be told that my claim would be sent be for reconsideration after I again pointed out that their decisions was made without even looking at their own cameras. I was told the process would take up to 45 and Ive been patiently waiting for a response. However Bank of America has taken it up in themselves to, without any approval from me, start removing funds from another account I had with them. I feel this is totally unacceptable, and a total invasion of privacy and trust. I want bank of america to do a proper investigation and promptly return all funds.
Consumer complaint received 2018-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX Navy Federal Credit Union deducted XXXX from a joint account I had with my significant other and listed the debit as a DR without notification to me at all. The debt had started to be paid off with {$50.00}, which was stated to me and it dropped off. I have reached out to this establishment several times to their office in my area and over the telephone to come to some sort of real closure to this issues. I have even tried to speak to the person who withdrew the monies from a new account that I had established with them for almost 2 years now. The representative said they have the right withdraw the monies that was owed anytime they wanted and their is no limitation to how long a debt is owed if it comes around they will just collect with no warnings. Again that was the monies that said was owed is an old debt from XX/XX/XXXX/XX/XX/XXXX which the representative said she sent several years ago. I am not saying the debt should not be paid but I am really dissatisfied about the way the monies was deducted from an account that I have established with someone else. Even the employees in the credit union were not understanding why the actions were taken like they were. I have also found notification online from the XXXX  XXXX of the tactics the credit union have taken to collect monies and have a suit against them in previous years that they do owe consumers more respect in the way they want to collect old debt from customers. 

I'm just having a hard time with the way the monies was taken without any further notifications or warnings and think it is right after 7 years.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX - XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NJ)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account SUNRISECRED accopunt number XXXX balance {$260.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX/XXXX. XXXX, XXXX XXXX. XXXX XXXX removed from my credit report.
Consumer complaint received 2018-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending a dispute to Transunion with proper identification ( see enclosed doc 1 ) information they sent a request ( see enclosed doc 2 ) for additional information that was already submitted. This violates the FCRA regulation that they have 30 days to investigate my concerns. This request is a commonly used delay tactic. According to the FCRA the following items should be immediately deleted : INQUIRIES XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized
Consumer complaint received 2019-03-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (IL)

tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.
Consumer complaint received 2019-03-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN RESPONSE TO CFPB : XXXX Dated : XX/XX/XXXX Todays dateXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 
I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into Inquiry details XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I missed 3 monthly payments on my bank of america credit card. Just negligence on my part, i was switching checking accounts, and just did n't update my payment information, etc. 
Anyway, bank of america canceled my credit card account because of it, without notifying me, and in the process deleted XXXX rewards points ( cash value of USD {$1500.00} ) I had spent XXXX dollars a year on this credit card every year since 2005. 
I had an outstanding balance of XXXX dollars when this happened, and I paid it off down to XXXX after they closed my account.