davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
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. (GA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX  - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX Account XXXX Please ensure that all information is accurate
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (AL)

Contacted XX/XX/XXXX when noticed it was on credit, never received notice of right to dispute, never received any written notification. Contacted direct creditor XXXX XXXX XXXX who told me that this debt was not even held with National Credit Adjustors, but instead was held by XXXX XXXX XXXX. Called XXXX XXXX XXXX, paid them. Found out today, XX/XX/XXXX that XXXX XXXX XXXX did not own the debt and National Credit Adjustors did. I had received written notification from XXXX XXXX XXXX but never National Credit Adjustors.

I contacted National Credit Adjustors again today to let them know the debt had been paid already through another company and gave them one more chance today to resolve this, Mrs XXXX was told written notification from their company was never received so I let her know I would be filing a complaint due to that happening.
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX  XXXX CO L with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (VA)

I have a complaint against XXXX XXXX and AAFES. I am in receipt of a statement dated XXXX XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for AAFES collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at AAFES. The system told me to call a different number which I did. At that point I was connected to XXXX XXXX. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.
Consumer complaint received 2024-02-22
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)

According to 605B, this account should be removed promptly. I'm angry about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I applied for a Capital One Secured credit card and in XX/XX/XXXX I was approved. I submitted my secured card payment of {$200.00} and it posted on XX/XX/XXXX and on XX/XX/XXXX they refunded my $ XXXX was charged a {$49.00} fee and they never refunded the fee. Then I was told that they were closing my account. The letter I received said that I requested the account to be closed, which I didn't. I called Capital One and I received no valid answers to why the account was being closed. 
Then in XX/XX/XXXX, I received a pre-approved regular credit card from Capital One. I accepted and all was good. But a month later I received a letter saying they were closing my account. Their reasoning was as follows, " We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for personal, family or household purposes. '' I couldn't believe nor understand what they were referring too. I have only had this card for 1 month and I my only charge was {$87.00} for XXXX. I was also charged the {$39.00} member fee. Then a month later they are closing my card. I called again to ask why and they could not tell me why. They made it seem like I was a criminal. I told them I have a right to know. I was told that they do not have to explain why they are closing my account. 
I feel as a consumer and a cardholder being told that there is activity not consistent with their expectations, I should have a right to know. Also I should be refunded both the fees of {$49.00} and {$39.00} that they charged me because I did not get to use the cards for my benefit.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion, XXXX XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a memory loss so I really do not remember the date that this occurred but the year is 2019 Some one put a fake check from the XXXX banks I had at the time.One of the bank saw that it was not me and call me into the offices so we got ever thing clear.The other bank just close my account and my kids accounts and say i own them. I never did any fraudulent stuff and they did not want to help me so every bank I go to they deny me at every bank.I want to get this clear off my ssn and name because its not fair to me or my kids because some one put fake checks and my accounts.
Consumer complaint received 2021-04-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have filed with XXXX, TransUnion, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX XXXX and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?
Consumer complaint received 2020-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC is reporting a frivolous debt to my credit reports that are not owed to them. 

I have never in my life done any type of business with this company. They are reporting that I owe them {$170.00}. When did I receive {$170.00} from LVNV Funding LLC? 

I have never received any sum of money nor any merchandise from this company! 

I have never spoken to anyone from this company before nor have I ever visited this company so how is it that I owe this company money? 

There is no legal contract that is binding me to LVNV Funding LLC. 

I have asked them to provide me with proof that I indeed owe LVNV Funding LLC and also provide me with a legal contract with my wet ink signature as well as the wet ink signature of the representative from their company that shows any money I received from them as well as my promise to pay them. They have not provided me with any of the requested documents. 

I have also asked them to provide me with proof that this frivolous debt wasn't bought from another company in which they haven't provided me with that either. 

So LVNV Funding LLC what is binding me to your company? What makes you think that I owe your company money? When did I do business with LVNV Funding LLC? Where is the contract that shows that I lawfully owe LVNV Funding LLC money?
Consumer complaint received 2021-10-21
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. (FL)

I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. My Driver License, SSN Card, and Proof of Residence has been mailed in for proof. I should only have one name, address, phone number and employer in each section. Please have them update my information.
Consumer complaint received 2021-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021. I went online to pay towards my Synchrony Amazon Store Card and discovered that the bank closed my account. I called the toll free number listed on the site and asked why was my account closed? The Rep. mentioned that they have an automated system that automatically closes accounts with missed payments, NSF Fund checks, etc. 
A couple weeks before above date. On XX/XX/2021, my bank had a hard time locating my account because of potential fraud. They temporarily blocked my account activity for further investigation. That incident caused 2 balances I made on my Amazon account to not go through. Although, I immediately paid to cover those amounts. Never a late or missed payment. Even paid sometimes TWICE a month. I feel like I was penalized due to a glitch that was not my fault.

I asked to speak to a Supervisor and XXXX ID # XXXX came to the phone. He looked over my account and acknowledged that I had been a customer who's had an account for over 8+ years. Paid on time and assured me that he wouldn't report the Closed Account to the Credit Bureaus. He knew that I was in the middle of financing my home and needed my Fico Score to be good standing in order to move forward. 
XX/XX/2021. I received emails from XXXX and XXXX XXXX letting me know that an Alert was added for a Closed Account that was reported by Synchrony Bank. 
These people are dishonest and don't care about ruining their customers credit for no good reason. My account had an unpaid balance of {$4900.00} that I was paying on. Although, the Interest Fees are very high. Never missed a payment and now my Utilization Percentage is going to compromise my score. 
What Synchrony could have done was allow me to pay off the credit card without reporting it as closed so that I could have kept my scores up. I do not want to re-open my account but at least have the chance to continue payment without ruining my credit. It would be fair if they could reverse the report from the credit bureaus to allow me to do.

I had another card with Synchrony for The XXXX XXXX. They also closed that account for no reason. I had paid it off in full ( {$3500.00} XXXX but they could've reported that to XXXX  as a card that had good standing which would have boosted my credit score.
Consumer complaint received 2022-04-08
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: World Acceptance Corporation (GA)

On XX/XX/2022 I received an Response From World Finance Company of Georgia, XXXX ( World ). Their Response was Improperly Documented They Stated the Account/Transaction isnt eligible for this recognition as his debt was charged-off not canceled. Do they not know What charged off mean they put it on a tax Form and Received compensation for that account they Are in Direct violation of 15 USC 6802b and all its subsections I wasnt given a chance to opt out of my Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; they are violating. And as far as the statement they are alleging Ive never lived at that address nor had that phone number. ALSO WHAT DOES INDUSTRY STANDARD MEAN? 
They definitely arent in Metro 2 Compliance. Have them provide proper Documentation and show the original Creditor with Original Signature I Dont owe any Alleged debt
Consumer complaint received 2024-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you regarding a fraudulent account that has appeared on my credit report. It has come to my attention that there is an account listed under my name that I have not authorized or opened. This is a clear violation of my rights as a consumer and is causing significant distress and inconvenience. XXXX XXXX  XXXX
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VA)

I disputed this 2 years ago because this debt is over 7 years old and XXXX has removed it from my credit report. I stopped answering their calls because they threatened to ruin my life and they keep changing the dates to make it current. The new date they have is 2019 and I havent had sprint in forever I have had XXXX and XXXX isnt a company any longer. When I dispute this with experian and XXXX XXXX they wont remove this with IC Systems. Why do they believe these sleez balls! The credit bureaus are horrible and when they make a mistake they wont correct it! The amount is wrong at XXXX I dont know how they came up with this number I had them for
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX -filed a fraud claim on my EDD pre-paid debit card, caused someone was withdrawing money on my card in New York . I live in California. My card has not been out of my possession. I noticed my card was suspended. did not know why. I discovered all my money, {$5500.00} was no longer available in my account. I immediately filed a claim XXXX acct ending XXXX on XX/XX/XXXX. I was informed a new card would be mailed with the funds added back to the card. When I received the card, funds were not added back. I then received a letter dtd XX/XX/XXXX, envelope postmarked XX/XX/XXXX that indicates my case is closed. On XX/XX/XXXX, I called after on hold for six hours, I spoke with a representative, I believe her name was XXXX in the claims department. She indicated the case was closed due to an internal error. She also indicated they have been having trouble with the third-party handling fraud claims. XXXX reopened my case, did not provide a new case number. She indicated funds should be back on card while they continue the investigation by no later than the end of week, which would have been XX/XX/XXXX. I was told I needed to wait 10 days. Is that 10 days starting from when I initially filed the claim or when I called back XX/XX/XXXX and was informed funds should've added back by XX/XX/XXXX. Today, XX/XX/XXXX, and funds are still not on my account. I called the designated toll-free number, after waiting two hours on hold, the line dropped. How frustrating. This is a violation of Regulation E. I need my funds added back to my account. I am without money to pay my bills. I am incurring overdraft charges on my bank account and late fees. If an affidavit is needed, I have not received any communication from Bank of America about the claim. Again, I am requesting the {$5500.00} to be returned immediately.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America has had a loan on a property of mine in Nebraska. I purchased a home for my sister to live in. The loan was with Country wide for years and then was moved to BOA when they purchased the company. A few months ago I received a notice that my payment was late. After looking into it I noticed that the payment amount had changed due to my escrow but because the statment didn't look any different I missed that it had changed. I called BOA and talk with a lady about it and we agreed that I would make the payment difference on my next payment because I was going to make it in the next couple days. I did that and when BOA got the payment they put the funds in unapplied funds and did not put it on the loan as the rep had told me that she would. When I made the next payment they reversed the payment and have done so every time that I have made a payment. I am trying to do a refinance on the loan and the bank is showing me late so the credit union that is redoing the loan is now wanting to not do the loan because I am showing that I am late when I am not. I have called BOA now 8 times and have spent an hour each time. The reps from BOA have admited that they had a system change and they are 90 day behind in processing all of thier customers corrections. My loan number is XXXX, I should show a payment was due on XX/XX/2020 but with the three payments backed of my app and the OLB shows me due for XX/XX/2020. I have received overnighted materials to apply for payment plans and received emails & Calls from debt collectors on this. Wy refinance of this loan was suposed to closeon Friday the XXXX and my credit union now may decline the loan. I am concerned that BOA is up to its old tricks and is not applying payments for some reason and keeping it a secret for some financial gain.