davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX  XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-05-18
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. (GA)

An account has been re-inserted to my credit file after it was removed. The bureaus are also still reporting a public record which is out of date and inaccurate.These items are to be updated every 90 days with the courts. XXXX XXXX as well as XXXX continue to report a bankruptcy in my previous name.
Consumer complaint received 2024-02-23
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. (MI)

Credit Reporting Agency, Transunion has had several attempts to remove the inaccuracies as advised per the FCRA, that a consumer has to dispute any inaccuracies on the consumers report. Transunion has been provided with disputes on their portal website, through the CFBP and has in their efforts not investigated this account accuracy, only verifying my name and address on file. Transunion has been provided with the violations under the FCRA, in which they are currently under violation. Transunion has furnished my consumer report, after being advised that the account " XXXX XXXX '' is income. The company has verified to me that the account has been " Charged OFF ''. It is a fact that a company who charges off an account must report the information to the IRS giving notice to the IRS, so that any being may properly file and access their personal income taxes. Transunion has been provided with this information and has only verified the personal account information as indicated; such as, name and address and have not properly did an investigation. The FCRA advises that the consumer report shall have all accurate information and in the event that it does not any inaccuracies shall be removed. XXXX XXXX provided that the account is no longer in collections that it is in recovery. I was also advised that XXXX XXXX has charged off the account and has sent the account to their collection agency. XXXX  XXXX collection agency has not sent any letter for me to verify the accuracy of the alleged debt that the FCRA requires giving the consumer 30 days to do so. Transunion has not sent any disclosures prior upon allowing the furnishing of this information to my consumer report and are under violation 15 U.S code 1681, 15 U.S code 1681b. In regards of the XXXX XXXX account, Transunion can only furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates, Transunion is in violation under this law, 15 U.S code 1681b ( 2 ). Transunion has never received written instructions from me to furnish information regarding " XXXX XXXX '' to my consumer report. I demand this information be removed from my consumer report effective immediately. Transunion has been given several opportunities to correct these inaccuracies and has breached their obligation per the FCRA on what can and can not be reported and how information can be furnished only if the consumer gives consent in writing first. XXXX  XXXX company does not have permission to furnish my report and any third party non-affiliate that XXXX XXXX may sell my information too without my consent does not have permission within my rights of privacy under the privacy act of 1974.
Consumer complaint received 2020-12-09
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. (TX)

Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Loan Responsibility Joint Date Opened XX/XX/XXXX Status Account charged off. {$36000.00} written off. {$38000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$38000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$37000.00} Highest Balance {$0.00} Terms 77 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2019 I had a {$150.00} Victoria Secret Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 Victoria Secret sold the Debt. to XXXX XXXX XXXX. Since XXXX  has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that XXXX XXXX XXXX should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies. 
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.
Consumer complaint received 2020-10-30
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 (MD)

I had purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted BANK OF AMERICA and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact bank of America and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the BANK OF AMERICA claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. So I started to contact the stores these purchases were being made at. They gave me the name of a person that works for XXXX XXXX XXXX. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and XXXX because I trusted XXXX XXXX with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only XXXXXXXX XXXX XXXX After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with XXXX because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still BANK OF AMERICA have not refunded me. XXXX and their employee have stolen {$3800.00} of unauthorized purchases made on my BANK OF AMERICA CREDIT CARD.
Consumer complaint received 2020-10-30
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. (NV)

THIS COMPLAINT IS ABOUT EQUIFAX, IT'S IN REGARDS TO MAKING 3 PHONE DISPUTE ATTEMPTS TO MAKE GO AWAY. ON MY EQUIFAX REPORT IT HAS TO DO WITH THE CONSUMER STATEMENT SECTION. ALL 3 TIMES THAT I HAVE DISPUTED THIS I HAVE TRIED TO SPEAK TO A SUPERVISOR I HAVE BEEN TOLD NO EVERY TIME. THE REPRESENTATIVE TELLS ME THAT THEY WILL HAVE THIS STATEMENT REMOVED FOR ME THATS ALL I AM TRYING TO DO AND ASKING FOR IS TO HAVE IT REMOVED. SO THE REPRESENTATIVE HAS ME GO THROUGH ALL THESE SECURITY QUESTIONS BEFORE WE CAN EVEN START, ONCE WE START I ASK FOR ONE SIMPLE THING AND THAT'S TO PLEASE HAVE THIS CONSUMER STATEMENT REMOVED BECAUSE I DIDN'T PUT IT THERE. THEY STATED 3 TIMES NOW THAT WOULD BE DONE STARTING BACK IN XX/XX/2020. XX/XX/2020. AND XX/XX/2020. ALL 3 TIMES I RECEIVE A CREDIT REPORT IN THE MAIL THE RESULTS STATES THIS ITEM HAS BEEN DELETED FROM MY FILE. I LOOK ONLINE ALL 3 TIMES THE CONSUMER STATEMENT IS STILL SHOWING ON MY REPORT! WHAT IS GOING ON? CAN SOMEBODY AT EQUIFAX EXPLAIN TO ME WHY AFTER 3 DISPUTES THIS STILL IS ON MY REPORT?
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

Barclays with XXXX  rewards was not willing to work with me for missed payments for XXXX, XXXX, and XXXX of 2020. In mid XXXX I had contracted XXXX and had symptoms for a little over 3weeks into XXXX. I was cleared my the doctors mid XXXX and went back to work part time in a XXXX  XXXX  and odd jobs to make my monthly living payments. The operator was unable to assist me with coming up with a plan for payment do to the pandemic and financial hardship.
Consumer complaint received 2017-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc (CA)

This company Already sent me a letter promising in a green that they had no legal grounds to charge me for a collection on a missed appointment with no paperwork signed and simply just bought the debt with the assumption of guilt. It is important that the XXXX enforce the laws against such shady places that were promised to remove it from my credit and never do.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I had a credit card with USAA and on XXXX XXXX, XXXX, paid off the entire balance of {$4100.00}. Around XX/XX/XXXX, I received a statement with {$33.00} in finance charges. I was not expecting this because every month the finance charges were assessed at the end of the billing cycle between the XXXX - XXXX, which is when I made the payoff payment, I called to question the finance charges and ask for them to be reversed. The representative would not reverse the charges and was very rude to me. I refused to pay the finance charges and closed my account. A few days later, on XX/XX/XXXX, the finance charges were automatically taken out of my checking account without my authorization. I called USAA to make a complaint and was told I had to wait 10 days. I made a complaint with my bank, and on XXXX XXXX, XXXX, the money was returned, but the credit card account was hit with a return check fee of {$25.00} and an interest charge of {$.00}, and nothing had been done regarding the fraud. Today, XXXX XXXX, XXXX, I see a credit in my checking account with the description XXXX XXXX XXXX for {$33.00}. which made me check my USAA account where I see all the charges, I again call USAA to explain the situation and ask for the finance charges and fees to be reversed. The USAA rep took a record of my complaint and transferred me to another dept. This happened several times until I reached their fraud dept. USAA 's fraud dept refunded me {$50.00}, leaving a {$9.00} balance on the credit card, still insisting I owed the finance charges and again did nothing regarding their fraudulent act of making unauthorized automatic payments from my checking account. 
I had authorized payments scheduled to come out on the XXXX of the month. I turned them off in XXXX before I made my payoff payment. There was no automatic payment on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX, only the unauthorized one on XX/XX/XXXX. 
USAA may say I owe them finance charges, which I do not, but they have no right to take money from my checking account without my authorization.
Consumer complaint received 2017-12-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (IN)

I XXXX XXXX am reporting a deeply serious complaint against the entity of XXXX XXXX XXXX XXXX XXXX, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

XXXX XXXX XXXX XXXX XXXX, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XX/XX/XXXX, and XX/XX/XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding XXXX XXXX XXXX XXXX XXXX, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by XXXX XXXX XXXX XXXX XXXX, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward XXXX XXXX XXXX XXXX XXXX, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.
Consumer complaint received 2017-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

The collection agency - XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) falsely and repeatedly submit collection record to the credit reporting agency which has severely damaged my credit score - score dropped by XXXX in XXXX day. The dispute is regarding a medical bill with original amount of {$260.00} occurred in XXXX. According to the insurance company I had in XXXX, the amount of {$260.00} is covered by the insurance and I 'm not responsible for this amount. 

I had previously opened dispute cases with all 3 credit reporting agencies and the cases have closed and the collection records were removed. However, XXXX XXXX XXXX repeatedly report new collection record regarding this amount to agencies on almost monthly basis and has greatly damaging my XXXXredit score. 

Therefore, I 'm filing this complaint with CFPB and hoping to resolve this false negative record against me once for all.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX