davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute an error in my credit report provided by Transunion. I have recently discovered that Transunion is reporting an eviction on my credit file that is not only erroneous but also illegal, as it is not reflective of my actual rental history. 

The subject record is in reference to an eviction reported at an address where I have lived for XXXX years and where I have never been evicted. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. 

I believe that Transunion 's reporting of this eviction on my credit file violates several sections of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) which prohibits the reporting of any adverse item of information that is known or should have been known to be false. Additionally, Section 611 ( a ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

I have never been evicted from this address, and I have lived there for XXXX years. This error is not only damaging to my credit score, but it is also becoming increasingly burdensome financially to my household. I am requesting that Transunion immediately remove this erroneous information from my credit file and provide me with written confirmation that the dispute has been resolved. 

Furthermore, I would appreciate your prompt attention to this matter and look forward to your response. Please note that I am also considering seeking legal action against Transunion for their violation of the FCRA, which may result in additional fines and penalties for the company.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The following account is violating my consumer rights as the account is reporting a late payment and it is against the law to report late payments on my credit report under the following consumer laws : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law I LII / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- Report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The following XXXX 's account is inaccurate and reporting a late payment for XX/XX/2022.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

After having a credit card with Bank of America for about 14 years, I received notification in XX/XX/2020 that they were closing my account. I called them in early XX/XX/2020 to inquire about the closing of my account. I explained to them that I have never been late and require the credit card 's line of credit to be open as it will lower my credit score. Bank of America gave me a vague response noting that after a review was conducted of my account, they felt it was in the best interest of the bank to close my account. 

This was an undue burden and has shortened my average credit history, lowered my credit score, and has increased my debt to credit limit ratio overall. Consequently, the closing of this account has caused a domino effect. This is an undue burden on an XXXX XXXX service member under the Servicemember Civil Relief Act ( SCRA ).
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (OR)

i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.
Consumer complaint received 2020-12-06
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. (UT)

I am writing this due to non-compliance with the XXXX  Credit Reporting Agency, XXXX Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX  has a phony address on my account. It has reduced my credit score. I have been trying to correct this issue for several years and it is still on my records. I have been living at my address for almost 30 years, XXXX. The other address does not even exists. So the matter should have been corrected by now. There should be no excuse.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

Ally bank has a had restrictions on my account since XX/XX/XXXX and I opened my account about around XX/XX/XXXX or XXXX and I deposited a check to fund my account which was a total of XXXX between my checking and savings which created a positive balance in checking as {$2500.00} and savings at {$700.00} Since then my balance is now {$200.00} in my checking and {$300.00} in my savings but I can not login nor receive any assistance for my account because they refuse to assist me. I hope representatives at Ally bank has not scammed me out of money because that's what it's looking like because if my account has been restricted since I've opened how was there money removed so I called to dispute and they advise me that they will write in their notes but said that since my account is still under review since XX/XX/XXXX no action can be tooken I want my money and my account closed I refuse to deal with Ally bank
Consumer complaint received 2017-01-06
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Ad Astra Recovery Services Inc (TX)

Threatening to or stating that I have a lawsuit against me in federal court by email. Also called over the last 6 months posing as the XXXX County Sherriff 's office, stating that they are going to file a warrant on me that day and have me arrested at my job.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

Equifax has several unauthorized and unverified inquiries on my credit report. Ive had several unsuccessful attempts to get these fraudulent inquiries off my report. The inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These are all inquiries I do not recognize and I want them removed from my report immediately. Thanks.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW
Consumer complaint received 2024-03-09
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (IN)

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They will not address soft pull and hard pull.
Consumer complaint received 2024-03-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (FL)

I opened a XXXX mos CD for {$650000.00} with Ally Bank XX/XX/XXXX expiring XX/XX/XXXX with an interest rate of XXXX % apy and a rate of XXXX % and a loyalty rate of XXXX %. I closed the account XX/XX/XXXX and only received an amount of {$670000.00} ( XXXX interest ) I called Ally to complain that the interest was not correct. I was given a case number and was told they would let me know. They contacted me a week later and said the amount they gave me is correct to which I disagreed. I asked for my case to be escalated and asked why I never received a renewal document. I now wanted them to send it. I received another case number and was told my case would be escalated again. I would be contacted on 7-10 business days. That was XX/XX/XXXX and called 2x more and they still have no answer. Interest is compounded daily. On my detail page, it displays {$87.00} daily rate. 
Is this happening only to me or millions of consumers?
Consumer complaint received 2024-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AA Recovery Solutions, Inc. (TX)

I received a loan from XXXX for the amount of {$1800.00}. The payoff amount was {$2000.00}. I made numerous payments on time over 6 months paying off the full amount on XX/XX/XXXX. I received a collection account on XX/XX/XXXX. The Collection company called me regarding my assets and said I have no proof that I paid anything and they stated I had not made a single payment. I sent all the confirmation emails from every payment I made equaling the amount they claimed I owed. After receiving the emails they stated the last payment amount was XXXX which is not the last amount I paid and I have a time stamped emailing proving it. They told me I had to have something in writing stating that it was paid off from the original company. I contacted the original company and they do not have my account or any information on it.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sortis Financial, Inc. (MN)

Because I have a common last name this company calls me daily looking for an individual that is not at my residence. I have called the number they provide to have them stop and I have been advised to call a new number. This appears like a fishing call so did not pursue. Tried to ignore so they would relize it was ineffective but they have not. I shouldnt need to call a number, they should know by their records where to call. Have not done business with them, they call DAILY or close to it, for more than a year. Please make them stop.
Consumer complaint received 2024-03-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler , LLP, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Felt The Consumer Financial Protection Bureau ( CFPB ) ordered the debt collection law firm Pressler & Pressler , LLP, two principal partners, and XXXX XXXX XXXX XXXX XXXX XXXX, a debt buyer, to stop churning out unfair and deceptive debt collection lawsuits based on flimsy or nonexistent evidence. The consent orders bar the companies and individuals from illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. The orders also require the firm and the named partners to pay {$1.00} XXXX, and XXXX XXXX to pay {$1.00} XXXX to the Bureaus Civil Penalty Fund. 

PRESSLR & PRESSLER have ruined my credit for 20 yrs with all these fraudulent judgements, I should be compensated for my lost and denial or credit.

PRESSLER & PRESSLER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WHO REPRESENTED XXXX sent me XXXX XXXX  of letters with fake judgments amounts, foreclosure letters etc. Now I want to open a claim for {$350000.00} to recoup all the over charged payments I made stemming from fraudulent judgments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NC)

Ally bank is not being honest at all I have verified all of my information and they told all the fraud reps to hang up the phone whenever I call something needs to be done if my account is restricted why is there funds removed from my account? I do not understand the response because I have verified my information and on XXXX the XXXX my account was restricted due to a check I deposited the check has cleared on XXXX the XXXX so there is no reason why my account is still restricted This company ally bank needs to be closed they discriminate and do not return my calls as they explained until this day they are still lying the investigator did not call me nor executive team I have no information nor a case number. They refused to let me speak with a fraud supervisor and ally bank reps tell me 4 different answers on all the calls if they spoke with me telling me they are ending my banking relationship and that a check will be issued then how have I not been identified? Then I called back and the next rep said my account is still being investigated. So therefore they are not being honest and somebody needs to see this so it will not happen to anyone else I know that XXXX and XXXX are two reps that hung up on me and repeatedly lied to me If they are being honest I would like for them to send theyre recordings of the phone calls we have had because I have identified my self several times I am even uploading the messages from the verification codes they have sent me to identify myself and the emails from when they said my restrictions have been lifted my voice pin has been changed and more restrictions have been put on my account that I have not used. Ally bank are all liars and they do not help their customers at all I get a different answer every time I call
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I am unaware of this debt. I did not have the opportunity to dispute this debt. If you believe this is my debt, please provide me with a copy of the certified mail letter with my signature showing that I received this debt. 

In addition, during my conversation with a customer service representative, she stated that the company purchased my debt from Synchrony Bank without my authorization. I did not give this company authorization to purchase my social security number and report negative debt to the credit bureaus. Per the FCRA, it is illegal to purchase someone's social security number and use it negatively.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WI)

This has been going on for so long I am not even certain anymore of the start date. But according to their record, I i initially reported this on XXXX. So it's been almost a year of this. It began with a dispute over 2 transactions taking place in Indiana. One at what I believe to be a convenience store, the other, an atm. In no way do these transactions match up with any behavior found on my account, easily seen. They were given evidence, and made aware of the theft of my identity, and a plethora of more data. The evidence they supplied regarding these disputes is a single page pdf, with assumptions, not clear evidence regarding why the amount of money I did not authorize being taken was denied being returned. I've supplied hundreds of pages of legal paperwork, while they have only supplied the same single page pdf, and also sent a pdf regarding another dispute that invalidates their information regarding the physical possession of my cards, and personal data, upon which they falsified that I was in possession of my card. Even though I sent them evidence from another company proving other instances my identity, and chime card, for that matter, were used. I was at a federal holding facility, and can easily prove what I was released from that facility with, no cards or phone is on the property form. I have reopened the dispute a multitude of times, called more than 50 times, and they have no file, no record, nor any copies whatsoever of any information sent. The amount owed has changed, they tried to use falsified IRS documentation, stating my IRS data didn't match the account, which is a complete fallacy, to attempt to close the account, without even notifying me. I can prove beyond a doubt, that I did not make these charges, and the company is denying the fact that my fighting this, were they able to prove it was me, would put me back in prison, as it would prove I absconded to Indiana, without Parole permission. There is an insurmountable amount of evidence proving deceptive business tactics, they blatantly ignored what was stated in a XXXX complaint, and wrote a response having nothing to do whatsoever with my claim. This has all turned into a ridiculously lengthy and convoluted battle, and I am not the first this has occurred to. There's literally thousands of examples of their tactics, plastered all over the internet. This is, and has turned in to, blatant fraud, and has cost me more than what is owed, in hardship, and time. I have not once spoken to anyone representing the actual organization. Only looped between customer support, over and over, 7 times in a single call, at one given juncture. Your system for uploading evidence is tough at least, but at command I can provide a far better cross section.
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

XX/XX/20 : CITIFINANCIAL BANK IS REPORTING EXTREMELY OUTDATED CREDIT & PAYMENT STATUS ( AS OF XX/XX/20 ) IN XXXX 'S SITE. WHY??? 

CITIFINANCIAL IS THE ONLY CREDIT CARD ACCOUNT THAT IS GROSSLY REPORTING INACCURATE & OUTDATED DATA.. WHY???