davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$3700.00}, {$8700.00}, {$2900.00}, {$8000.00}, {$16000.00}, {$1100.00}, {$5900.00}, {$11000.00}, {$21000.00}, {$9200.00}.

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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} XXXX -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account.
Consumer complaint received 2021-07-02
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. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted  immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items 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 investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You  have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (VA)

DO NOT CLOSE THIS COMPLAINT. It is not a duplicate and was not requested by anyone other than me, XXXX XXXX. I received a letter from the CFPB stating complaint XXXX, XXXX and XXXX were closed because someone other than me requested it. That is incorrect so Im resubmitting this complaint. 
The credit card company has reported utilization on my consumer report to XXXX, XXXX and XXXX without my permission. They also never notified me in writing that they were going to do this. This has caused me severe financial and mental distress. Now I'm unable to obtain personal and business credit. I'm unable to pay my bills and currently have no income. I attempted to get them to remove the unauthorized information but they ignored my request.
Consumer complaint received 2019-09-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2019 XXXX XXXX XXXX filed 4 collection notices with XXXX on my credit report for amounts as follows : {$610.00}, {$830.00}, {$770.00}, and {$59.00}. This apparent law firm is apparently in XXXX, Texas per a XXXX search, Most likely Mitchell D. Bluhm & Associates , LLC. No account information or contact information is provided in the XXXX report, and XXXX has no accounts in collections on my records. I have no way of knowing or contacting this firm with regard to these amounts, nor do I have any collections accounts in these amounts anywhere. This looks like fraudulent reporting and there seem to be numerous complaints about this firm online. I live in XXXX and have no ties or accounts in Texas.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2021-01-27
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: Experian Information Solutions Inc. (CA)

I have contacted Experian multiple times over the last few months to correct the inaccurate reporting of account : XXXX  # XXXX. My credit file concerning this account states it was opened on XX/XX/XXXX. It also does not reflect the monthly payment amount. It further state that this account was discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. All these things are being reported incorrectly. 

The documents I have included clearly shows that XXXX didn't report a payment in XXXX and actually stop reporting payments after that month because they account was paid in full after XXXX. There is also an address that does not show on my credit report and never have been on my credit file. As of XX/XX/XXXX when I received this document there was no chapter XXXX bankruptcy indicated associated with this account. Experian using address identifies to cross reference accounts on my credit file and this is a great example of them not following their own cross referencing for verifying account information on my credit file. The only item being reported on the included document is the phone number.
Consumer complaint received 2022-04-06
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. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-01-29
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-02
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: AMERICAN HONDA FINANCE CORP (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I paid the balance in full on my bank of America world Master card account the due date was XX/XX/XXXX. I think I'm good to have and hold a zero balance on the account but on the statement date I received a financial interest charge of XXXX. I don't earn a ton of money and I was proud to be able to pay the account in full imagine my surprise on the bill day when I am expecting a zero balance there is an additional fee. If the bank calculation is on the Average daily balance of the billing cycle I am being penalized for paying the account in full. Had my pay in full amount balance been disclosed to me at the time of pay off I would have covered the whole amount. So my issue is I submitted what I expected was my full pay off amount and still incurred a fee. Had the banks systems advised me of potential additional charges at the time of payment this could have been avoided. Please urge Bank of America refund the interest charges of XXXX.
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: EQUIFAX, INC. (MD)

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results. XXXX I do not own the debt that they are reporting I sent them a letter and never received anything back from them. I filed a complaint with CFPB they stated that they have the info that I was requesting showing that the debt was mine they have yet to provide me with those documents it was also showing on XXXX XXXX that they report 120 days late in XX/XX/XXXX when they show opened on my account in XX/XX/21 and its been 30 days remove this account off my credit report asap. State of MD the same case sent certified letter and filed a complaint and nothing remove this account. XXXX said that I was late never showed proof to me and never sent a charge off statement that by law they have to send to me please remove this account. Equifax has also refused to remove Inquries that was placed on my credit report that I did not give the ok to I have sent these companies certified letter also and no response back and they are still showing on my report. XXXX XXXX, XXXX XXXX, XXXX Please remove asap off my credit report.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, Transunion and XXXX  have constantly abused power as far as reporting inaccurate information. Please remove these inaccurate items.. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Three ( 3 ) Unauthorized XXXX transfers via Bank of America ( BoA ) totaling {$5700.00}. On XX/XX/XXXX, Bank of America, via XXXX, transferred {$290.00} from my BoA checking account to an unauthorized recipient. On XX/XX/XXXX, BOA, via the XXXX XXXX, transferred {$3500.00} to the same unauthorized recipient. On XX/XX/XXXX, BoA, via XXXX, transferred a final {$2000.00}, from my BoA account to an unauthorized recipient. My initial contact for that unauthorized recipient was via an email address. At some time unknown to me, someone changed the initial contact email, via which I had sent a past payment to an authorized recipient, and had no reason to change the destination email, to an unauthorized telephone number by which the 3 erroneous transfers were made. Beginning on XX/XX/XXXX, I have had extensive discussions with BoA, and it twice now has reviewed my past claims, and denied the {$5700.00} claims. BoA claim Number XXXX. I have had multiple discussions both with the civil and fraud sides of BoA. BoA states only that I had authorized the three transfers, but has yet to submit any documentation to me indicating by what documentation it has arrived at that conclusion. The last BoA contact I had was in XXXX of XXXX. I recently read of the CFPB 's interest in XXXX transfer issues, and decided to file this complaint. I likewise filed claims to the FBI 's ICCC ( Internet Crimes Complaint Center ) on XX/XX/XXXX, but heard nothing back. Finally, I notified XXXX XXXX ( I live in XXXX ), as supplemented by additional information on XX/XX/XXXX, but have heard nothing back from that local complaint ( ID IR # XXXX ). I likewise notified XXXX, but have had no substantive discussions with it. 

Finally, I contacted the unauthorized recipient 's phone number repeatedly, but, of course, have had no response. BoA did alert me to the recipient 's XXXX ( I also live in XXXX ) bank, and I spoke with its fraud staff about the fact that one of its customers, whom I identified by name, and dates of transfers, as well as amounts, had received and accepted unauthorized transfers. I have no idea what, if any, actions that bank ( XXXX XXXX ) took vis a vis the account holder. As a former XXXX XXXX for a publicly-traded, XXXX XXXX  company XXXX ( XXXX XXXX  ), I understand full well how frauds occur, and was shocked at the treatment I have received from all other parties to these financial transactions. I have paperwork to support all of my claims for you in needed, and would be happy to speak further with a CFPB representative.
Consumer complaint received 2022-09-22
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. The Credit Bureau stated that my account was properly investigated and updated on numerous occasions which could not be possible when XXXX XXXX with account number XXXX has various discrepancies on all three bureaus such as inaccurate open date, inaccurate date last active, inaccurate account number, inaccurate account type, inaccurate date of last payment and inaccurate payment history and XXXX XXXX with Account number XXXX has inaccurate account type, inaccurate, inaccurate credit limit, inaccurate date last active, and inaccurate date of last payment. these inaccuracies are grounds for removal. 
They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Experian refuses to remove all name variations, addresses and addresses I am not associated with from my credit report.