davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-20
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-08-27
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. (GA)

My individual consumer rights are being violated and my credit standing negatively impacted. TransUnion is now willfully noncompliant and negligent in its failure to correct incomplete and what it classifies as " unknown '' information on my consumer report despite its recent reinvestigation that I initiated as a consumer. 

Per my attached reinvestigation results, dated XX/XX/22, TransUnion claims that it verified the information with account furnishers. I request that TransUnion provides a description of its reinvestigation procedures no later than 15 days after receiving this request.

Most importantly, following a reinvestigation, TransUnion has the duty to promptly delete accounts that are inaccurate, or incomplete, or can not be verified, per FCRA 611 ( 15 U.S.C. 1681I ).

Documents Enclosed : - Reinvestigation results that I received from TransUnion - Photocopy of my Driver 's License
Consumer complaint received 2021-07-09
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 — Problem with personal statement of dispute
Company: Service Finance Holdings, LLC (TX)

I was past due on an account. I spoke to the company and got a deferment due to being affected by covid. I was told that no negative reporting would happen during the deferment period. After have some conversations with one of my credit card companys I checked my credit report to find that the account was noted past due during the deferment period. I disputed it and the company refused to change the reporting saying it was accurate. I spoke to the company them selves they refused to change it because it was past due before going into deferment. I explained that I was told by the person I spoke to that it would not be reported negative during the deferment and they said but you were past due before deferment so we are not changing it. I feel this is unfair reporting as I was in a deferment period and told that there would be no negative reporting to the credit bureaus during this time yet here we are they reported negatively to the credit bureau during this time. The company is refusing to do anything about it.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

I received a Bill from XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$210.00} and PAID this Bill in Full on XX/XX/2022 via my XXXX Bank Electronic Bill Pay Service. 

I later received Correspondence from Professional Finance Company, a Debt Collection Agency, for this very same Bill. 

I contacted XXXX, who would not address this Issue with me and was referred back to the Debt Collection Agency. 

I have provided Professional Finance Company, XXXX ( XXXX ) Separate Proof of Payment Documents from XXXX Bank, which Professional Finance informs me that XXXX will Not Accept as Proof of Payment. 

I have PAID this Bill. My Bank has Confirmed that the Transaction was Processed/Paid, however, XXXX and Professional Finance Continue to Refuse to Acknowledge Payment. 

XXXX states that they do not show the Payment Transaction in Their System. 
XXXX Bank shows the Payment Transaction as Processed/Paid to XXXX. 

I need help in resolving this Dispute in Collecting a Debt that I have already paid. 

Your Assistance in helping me to resolve this matter is greatly appreciated. 

XXXX XXXX
Consumer complaint received 2022-07-02
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2022-09-28
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)

In accordance with the Fair Credit Reporting Act ; XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX XXXX XXXX ACCOUNT XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has been holding 2 of my government checks best known as stimulus checks and child tax credit. Since XXXX of XXXX for almost 2 months, in those 2 months I call everyday too checks if my checks have been sent out due you the fact that my account is pending closing which they stated to me that on XX/XX/XXXX my account will be fully closed so when that's occurs my checks will be mailed to me in a cashier 's check, that day came I waited for my checks in the mail and nothing. So once again I gave them a call I spoke to a representative by the name of XXXX she told me that my checks were mailed on the XXXX  of XXXX ok, I waited for a week and nothing so I called again and spoke to a representative by the name of XXXX he stated that my checks were never sent out and that they would mail them to me untill XXXX of XXXX due to the fact that my account is closing pending. I don't understand why iam having these issues with Bank of America if when I received my first 2 checks I was able too withdraw my funds with no problems even with my account being pending closing, now it has gotten toa point we're this had cause my e to have a very XXXX XXXX cause I cant even buy my children their Xmas gifts or for any kind of holiday shopping whatsoever. If I can please get some help to get Bank of America that's what their doing to a loyal customer is very unfair. Thank you HAPPY HOLIDAYS
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly.
Consumer complaint received 2022-08-08
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: PLANET HOME LENDING, LLC (NJ)

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

XXXX This is the case number of my complaint that was closed, the company did resolve the issue but then turned around and charged me again with out an explanation, I am fixing to get a lawyer if this wont get resolved! 
Thank you
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (GA)

It is not my job to hold you accountable to the Fair Credit Reporting Act however, it is my duty to make sure my consumer report is equitable to me. After reviewing an online IRS publication I came across their definition of a charge off. Your credit reporting agency continues to claim accounts are verified on my consumer report however these accounts are reporting as a charge off. A charge off is defined as income by the IRS and INCOME IS NOT INCLUDED ON ANY CONSUMER REPORT. This makes your reporting of these accounts inaccurate. Delete the following accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (MI)

Last year in XXXX I found a fraudulent account opened with my social security number at XXXX XXXX XXXX XXXX I filled an XXXX  report, ref # XXXX. I notified XXXX about the fraud. The account was removed and I thought everything was taken care of. Then a couple months ago I checked the other credit bureaus and the fraudulent account is still there. 

Since then I have been in contact with the other credit bureaus and with XXXX XXXX XXXX XXXX I have made many calls and filled disputes, but they will not remove it from my credit report and keep verifying it as correct.
Consumer complaint received 2021-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX. Received text from Citibank alerting me of fraudulent activity on my checking account. I logged in and saw unauthorized funds were being transferred out of savings and checking accounts. Within 20 minutes my cell phone stopped working. It had been " taken over '' and my number was being used with a different SIM card ( according to XXXX XXXX ) I went to the bank immediately and sat with an associate as he initiated a fraud claim. 
Funds from checking, savings, debit card, " Simplicity '' card and line of credit were accessed by wire transfers. Approx {$42000.00} in total The complaint is this : At NO TIME has the wire fraud department contacted me. 
Trying to contact Citibank regarding this matter has been tortuous. ( Hours spent on hold while being transferred to wrong departments in call centers. ) The bank manager at my local bank has been helpful and used the internal system. Yesterday XX/XX/17, she kindly emailed an update as follows. " The fraud dept. is still waiting to hear from the recipients of the wire ''. 
I was speechless but found words to express my disgust! 
She patiently sent another phone # for the wire fraud dept.for me to try. 
I was able to speak ( XX/XX/17 ) to an " escalator '' and asked if I could speak to who ever was doing the " investigation ''. It was explained that she could only make a request for them to call me ...... 
This is the short version. There has been an incredulous lack of communication, help and action on the part of the bank. It is a broken system and I'm in despair every day. 
I am XXXX with a very small income. This has cleaned out all liquid funds.
Consumer complaint received 2023-03-01
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting ActXX/XX/XXXX Account name : XX/XX/XXXX XX/XX/XXXXAccount # 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
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IA)

PayPal credit was opened on XX/XX/XXXX in amount of {$1600.00}. the address that was used for this, I had not lived there in XXXX  years. I did not know about this until XX/XX/XXXX and contacted PayPal and synchrony bank and disputed the charge. Neither company could tell me what the charge was used for either.
Consumer complaint received 2024-12-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (NY)

I am aware that according to article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC XXXX ( XXXX ) ( XXXX ). I am not validating any alleged debt with I.C. SYSTEM, INC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year> I have not received any documentary evidence such as a trilateral contract giving I.C. SYSTEM, INC any right to collect on this alleged debt. I have never received any documentation requesting validation from I.C. SYSTEM, INC before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC XXXX ( d ) ( XXXX ) which the FTC defines as debt parking. If I.C. SYSTEM, INC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC XXXX ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC XXXX, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC XXXX. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$740.00} Reason : Identity theft Please remove this from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove this from my credit repor
Consumer complaint received 2022-06-20
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (NY)

On XX/XX/XXXX & XXXX I had XXXX unauthorized charges to my checking acct from : XXXX XXXX XXXX XXXX XXXX XXXX Then XXXX XXXX for {$330.00} appeared. I called my bank immediately and they cancelled my debit card. 

On XX/XX/XXXX & XX/XX/XXXX I noticed more charges on my checking acct from XXXX XXXX XXXX XXXX  XXXX for {$330.00} each I called my bank ( XXXX XXXX XXXX  again and they cancelled my new debit card again. I tried to call the XXXX phone number but do not get a real person. 

I never authorized these charges and need them to stop.