davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-20
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. (IL)

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with Transunion, XXXX  and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, Transunion and XXXX..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, XXXX and Transunion Files. 
XXXX XXXX Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from Transunion and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on XXXX. 
XXXX XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX and Transunion to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (FL)

Caine & Weiner, the collection company is trying to collect on an invalid debt owed. The collection agency falsified balances, falsified payments and falsified records thus this collection agency has no legal rights under FCRA 621 ( a ) ( 2 and Fair Debt Collection practices. I have attempted to contact the credit bureau and the collection agency with no positive results. This collection agency is abusive and clearly in violation of the law.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS
Consumer complaint received 2020-08-20
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (NE)

I applied for a payoff loan for my lease with Chase. I received very vague information from the CSR 's who handle calls on how to payoff my lease - a check with the account number and mail it to Chase. A second CSR told me to mail it to XXXX  - by that time it was too late - the Credit Union already mailed the check. 

A check was mailed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and cashed by Chase on XX/XX/XXXX. I called in several times that same week to confirm receipt of the check, but they never marked the account as paid. The CSR 's kept telling me to call back and check, that it should be resolved the next day or within a few days. By mid-XXXX, I requested a supervisor as I was told each time my payment was late or to wait for processing. I was assigned a supervisor named XXXX   who advised me to contact the credit union and get a copy of the check that was deposited and fax it to Chase. It was faxed on XX/XX/XXXX, they said they didn't receive it ; it was faxed two more times by myself and the credit union and they finally received a copy as of XX/XX/XXXX. Since then, there have been no updates and they keep telling me that they payment is being researched and they will follow up. I have called numerous times and get the same answer each time - at least 1-2 per week. I called yesterday, same answer with the additional information of they are aware that there are issues with the Payoff department and I'm not the only person who is experiencing this problem - as if that is supposed to make me feel better - I am only more concerned. 

In the interim, the credit union is asking for the title and I'm paying on the loan through them and Chase reported me to the credit bureaus for late payment.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS
Consumer complaint received 2021-07-20
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. (IL)

XXXX charged me {$810.00} for a item I never received and it is still on my credit report from XXXX and other Credit Agencies 2 months later I've made several phone calls to the reporting Credit Agencies also to XXXX XXXX corrected that are on that end yet XXXX and other Credit Agencies I still reporting inaccurate information after I told him over and over again that balance was incorrect they didn't investigate him and said it was accurate two or three times this is absurd legal actions need to be taken
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TN)

Checked my credit report and I have the following : SEQUIUM ASSET SOLUTIONS Amount Due : {$970.00} Collector : XXXX XXXX I have never resided in no other state, accept, TN. I have always had XXXX.
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MA)

This is a complaint against JPMorgan Chase Auto as I have disputed their reporting of an old auto loan that has been paid off and their reporting on my Credit Reports. I've submitted disputes to JPMorgan Chase starting back on XX/XX/2021 and again on XX/XX/2021. They received my letters on XX/XX/2021 and also on XX/XX/2021 and they neglected to mark my Credit Reports with Disputed Comments. I've enclosed copies of the USPS Certified Letters, along with the confirmations that they received and signed for these letters. I've also attached copies of my Credit Reports from XX/XX/2021 ( well past the 30 days required by Federal Law and the FCRA ) showing they didn't mark my reports with the required " Disputed '' comments. In addition, the address they provide on the Credit Reports is not an accurate address as it is a forwarding address ( this information was provided to me over the phone, also on a recorded call ).

Per the FCRA and FEDERAL LAW, JPMorgan C
hase failed to mark my Credit Reports with the required Dispute remarks. By violating the FEDERAL LAW and the FCRA, it has interfered with my ability to obtain further credit. This is a violation of my rights as a consumer and must be removed from my Credit Reports. The Reports sho
w their lack of attention to my dispute and failure to follow the regulations of marking my Credit Reports with the appropriate dispute remarks.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC. (AL)

I have filed complaint after complaint against Equifax for not removing a medical collection with XXXX XXXX XXXX which I paid in full. XXXX XXXX XXXX sent out a letter saying account was paid in full and for it to be removed from my credit report even though it has a 0 balance. The other two credit bureaus had it removed in two weeks. But not them.Im fed up with them and am filing a lawsuit again them. They know what the letter said but refuse to remove it. This has been going on since XXXX of 2020. I have called them about 8 times and they start mumbling something that I am not even sure what they are talking about.
Consumer complaint received 2020-08-20
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: Consumer Portfolio Services, Inc. (MD)

I have a loan with XXXX, CNS PORT SVC, and XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, CNS PORT SVC,  and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc (WA)

I received an alert on my XXXX account of a collections that had been opened. The account was added by Ad Astra Recovery Serv For XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX ( XXXX ) XXXX. 

After looking further into the collections posted, I learned that the company was claiming I owed them {$2200.00} for a loan that I never took out. This started on XXXX XXXX. 
I have disputed this three times now. I even locked my credit report. To make matters worse, I get demanding and threatening emails/phone calls. I have received 8 emails saying my employer will be contacted and they hope Im fired, that all of my salary/wages will be confiscated, that I have a warrant for my arrest, they are coming to seize everything I own and that I will go to jail and be publicly humiliated. The emails are coming from supposed lawyers working with the collections company. They call at least six times a day from random numbers.
Consumer complaint received 2020-08-20
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. (MI)

XXXX XXXX XXXX still reports that I missed payments, and that the loan isnt fully paid off. The loan was fully paid off, and no payments were ever missed. I have tried to fix this several times, but they will not send over a statement.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2022-07-22
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. (TX)

I have repeatedly asked Experian to remove a closed account from my credit report. It is The Attorney General of Texas. Other credit bureaus are correctly reporting it as closed, which it is. I have provided proof of it being closed, and am providing it again here. 

Please help me get Experian to correctly report that this file is closed, and no balance is due. 

I am providing documentation from XXXX XXXX Court showing it is closed. I have provided this in the past. 

Thank you!
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IA XXXX REMOVAL OF LATE PAYMENTS OR DELETE THE ACCOUNT
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Consumer complaint received 2022-01-04
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 (WI)

Hello and Good Morning, I received a ACH charge for my Bank of America account ending in XXXX that was also ACHed out of another account were the money was successfully pulled. I called Bank of America to Explain the situation and they stated they couldnt do anything about the XXXX NSF Fee. I also informed them I can send them a copy of where the same transaction was successfully taken out of my other account. The rep stated she could return the fee as well as XXXX the Deposit manager who I was transferred to. I then asked to close my accounts and she stated I couldnt because of the negative balance. So at this point I have a company who is taking payments from XXXX different accounts. I have proof to show them and they are pretty much telling me I have to deal with it. I want my accounts closed so prevent this from happening and stated that cant be done. I also work for a financial institution so this problem can only lead to me getting more unauthorized charges and fees due to them remaining to keep the account open at my will. Can someone please assist.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hello, my name is XXXX XXXX and I sent letters to all the credit bureaus over 45 days ago about inaccurate information on my credit report. I haven't received any information or letters from any of the credit bureaus.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-07-28
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. (FL)

My name is XXXX XXXX XXXX, I AM Consumer, and a natural person who am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 SECTION 602 A. IT also States I have the right to privacy. 15 U.S.C 1681 Section 604A, also states a consumer reporting agency can not furnish an account without my written instructions. Also 15 U.S. Code 1692c 15 U.S. Code 1692g - Validation of debts Also, according to 15 U.S.C. 6802, NO FINANCIAL INSTITUTION is supposed to share my information with a THIRD PARTY. This is a clear violation of my federal consumer-protected rights. 15 U.S.C 1666B : This is a clear violation of my federally consumer-protected rights.

1. XXXX XXXX XXXX Original creditor XXXX XXXX  Account number XXXX. ( Date XX/XX/XXXX ) XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX  Account number XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Account number XXXX ( XX/XX/XXXX XXXX XXXX  ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ( Inquiry date XX/XX/XXXX ) XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX, Inquiry date XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, INQUIRY DATE XX/XX/XXXX ) XXXX XXXX, INQUIRY XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX, INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX )
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Open Status Paid or paying as agreed Status updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Revolving account Date opened XXXX XXXX, XXXX Open/closed Closed Status Paid or paying as agreed Status updated XX/XX/XXXX Account name XXXX Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XX/XX/XXXX Open/closed Closed Status Charged off as bad debt Status updated XX/XX/XXXX Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Installment account Date opened XXXX XXXX, XXXX Open/closed Closed Status Payment after charge off / collection Status updated XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Original creditor XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Status - Status updated XX/XX/XXXX 2022