davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

A credit card was taken from my desk in my house by a grandson, used to charge {$1400.00} at a strip club, then returned to the house. Bank of America refuses to honor the dispute because the chip on the card was used and my name was forged on the receipt.
Consumer complaint received 2018-02-16
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)

I had thought this situation was resolved. I was on my XXXX XXXX and see XXXX/XXXX XXXX says I have a balance of {$440.00} with a XXXX limit. This account was paid for and closed to my understanding so I do not know if there was fraud involved or what the situation is. To my knowledge I do not owe them anything. They are saying that I had months of late fee 's however I had paid this off and closed the account so how can I have late fees after the account Is closed? 

I am hoping this situation can be resolved so that my credit can appear accurate. 

If I do owe anything it would be very minimal but I don't believe I owe them anything for the reasons stated above. 

Thanks, XXXX
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I bought a bunch of items from a XXXX proxy service company in XX/XX/2022. 

So there were XXXX transactions in total, XXXX transactions for XXXX items and XXXX transaction for the shipping fee which totaled {$1000.00}. ( I have attached a screenshot of the transactions on my Bank of America account for reference ) A little information on how these XXXX companies work is that, they allow you to buy individual items and then combine those items into XXXX shipping order. 

So what then happened was I received the items on XX/XX/2022 but they were not as described, I then contacted the XXXX merchant to tell them that they had sent me the wrong items or put someone's else order in mine but then the merchant said because I didn't have some sort of insurance plan purchased with them, they will not help me with my order even if I received the wrong items, received damaged items or even if I DID NOT RECEIVE the items. ( I have attached the conversation with the merchant as reference ) I can't say how ridiculous that sounds but I think that's just an excuse for the merchant to wash their hands off the issue or its some kind of fraud going on there. 

Obviously this does not sit right with me, so I then called Bank of America on XXXX XXXX to request for help/ a chargeback. 

After staying on the line for almost XXXX mins, the agent then told me that they were unable to do anything because I paid the merchant using my XXXX account. 

I then told the agent that I obviously would not risk putting my bank details or card information on a foreign website and that's why I choose the option of the XXXX checkout when I made the order. 

I also said that, it was my money in my Bank of America account that was taken out anyway regardless of what option I checked out with, so why isn't my own bank helping me in this case? 

The agent was unable to help me so I was transferred to a supervisor who gave me the same automated style response. 

What's worst is that, the supervisor even told me to take my own legal action if I wanted to get my money back. 

At this point in time, I seriously couldn't believe what I had just heard from a Bank of America supervisor. 

If you guys want to hear the recording, I'm sure its still in your system so please be sure to check that out. 

Not to mention that I am also a preferred rewards XXXX member with Bank of America. 
So if Bank of America isn't interested in helping its own customers, I would be more than happy to bring my money to keep in some other bank. 

So right now, I'm writing this complaint on CFPB to request for some assistance with my issue that I have described above. 

Please take a look at this. 

Thank you very much.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
US DEPT ED XXXX Balance Owed : {$1100.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$7400.00}
Consumer complaint received 2020-07-24
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: AES/PHEAA (DE)

I filed for chapter XXXX bankruptcy and the bankruptcy included my student loans. The judge reviewed my hardship And verified my documents to prove my inability to pay the student loans. 
I notified fed loan services and they refuse to honor the student loans included in my ch XXXX bankruptcy and sends me notices every month. My bankruptcy was discharged XX/XX/2018. My bankruptcy number is XXXX Delaware bankruptcy. XXXX XXXX and XXXX deleted fed loan services from my credit report but XXXX  wont delete it. I can not afford $ XXXX  month repayment. I get fired all the time. I gave this evidence to the judge. I have to work low paying jobs. Not earning anything near what my credentials are. This is related to institutional oppression. This was proven to the judge and he gave me and my family, mercy and included the fed loans, in ch XXXX bankruptcy. Please help me. I been battling this for two + years now. 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Some of my student loans were recently discharged by the US Department of EducationXXXX . 

However, my credit reports has not been updated by all 3 major credit bureaus. This is not fair and need the correct information reported.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

This account was back fromXXXX. The original creditor is XXXX XXXX XXXX now they have turn it over to a collection agency whos name is ability recovery service. They have the wrong amount collected which is XXXXAnd the original amount which was owed to the original creditor is XXXX. The statute of limitations is up on this account and the collection agency is still trying to collect that is against the law. I would like for them to be fine the XXXX dollar For trying to collect on a debt that is too old. Ability recovery service didnt even send me a letter for me to say that I do not on this debt. It just appeared on my XXXX XXXX credit report.
Consumer complaint received 2022-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX  XXXXXXXX XXXX XXXX  XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) 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
Consumer complaint received 2023-04-06
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)

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$23000.00}
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (IL)

XX/XX/XXXX I went into the forbearance program with suntrust now truist until XX/XX/XXXX do to the covid pandemic. I paid my taxes and home owners insurance in XX/XX/XXXX as instructed by suntrust now truist I contacted the XXXX XXXX to begin my exit strategy from forbearance in order to have enough time to get all my paperwork completed by XX/XX/XXXX. I called several times a week to get my paperwork my home preservation client representative kept telling me they were behind in sending out the paperwork due the covid 19 pandemic. In XXXX when they did send me out the paperwork it was the wrong paperwork since I was had an FHA load snd wanted to defer my payment doing a partial claim because they never instructed or sent out the correct paperwork I was denied now they have sent me a letter of default I call the 2 to 3 times a week never get the correct information or the same person. My home preservation client representative never call me back I need help please please I have been trying to rectify this situation for 6 months no one at Suntrust listen all I want them to do is the deferral partial claim do that I may begin making my payments again please help me
Consumer complaint received 2018-02-16
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. (KY)

I have a collection account with XXXX XXXX for {$300.00} ( Acct # XXXX ) which appears on my Experian Credit Report. This account was paid in full many years ago and it was never updated as paid.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA has failed/refused to report my credit card balance which was paid down to approximately {$780.00} 30 days ago. A rapid re-score company has also contacted USAA about getting the updated balance but USAA has declined to provide a response regarding the large payment I made approximately 30 days ago. 

While the correct balance is reflected on USAA.com ( see attached ) it has not been reported to the credit reporting bureaus which still show it as {$2200.00}. I feel this is done intentionally as USAA has been contacted to do an update by the rapid re-score firm twice.
Consumer complaint received 2021-11-30
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. (CA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Date Updated : XX/XX/2017
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. I have made multiple attempts dating back to XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.
Consumer complaint received 2020-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XX/XX/2019 I transferred a balance to HSBC to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the HSBC website. I verified my first payment went through without an issue in XX/XX/XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from XXXX  in XX/XX/XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my HSBC account details and my auto pay details. I called HSBC to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with HSBC and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XX/XX/XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from HSBC has been appalling and I hope that by filing this complaint HSBC tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to HSBCs failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like HSBC, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of HSBC do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.