davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$750.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$430.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

The 3 Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/22 I called fraud services at US Bank to report unauthorized use of my visa debit card. A claim was established, replacement card was received, and provisional credit was received by XX/XX/22. On Monday XX/XX/22 I used my card for a coffee purchase and it worked. Went to the ATM at XXXX pm pst same day to pull out cash and the ATM message indicated the account was invalid. Went into the branch located in XXXX CA and was told they have no info to call the customer service number. Called the toll free customer service was hung up 2x during a transfer and was told my account was being closed and I would receive my account balance within 3-5 days via cashier check. Have not received anything to date. Called the Fraud Department who would not give me any information regarding the hold of my funds and was advised I would receive a notice in the mail. I called again and was told that my account has a back end department hold until the fraud claim has been resolved and they refused to tell me why other then in their own words " they can do what they want and do not have to advise me of anything ''. I was then told they may hold my funds for up to 90 days. I received a notice in the mail today XX/XX/22 dated XX/XX/22 stating they have elected to close my account, no explanation again as I was advised by a person it would indicate. The notice notes my funds would be released after al outstanding obligations are met and at that point I was receive my funds within 15 business days. 

I have no outstanding obligations. The bank is holding all my funds which exceed the provisional credit they applied to the account. In the mean time I have wen to another bank and am now dealing with late fees, late payments ect because i can not access {$5400.00} that is rightfully mine. Please also note that when I spoke to the fraud department and brought up my concerns with outstanding payments which include my mortgage I was assured it would be paid... it was not.
Consumer complaint received 2022-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX signed up for a Chase Freedom XXXX card with a promotion of XXXX ( total of XXXX ) points per dollar on grocery spending for 12 months. Worked fine until XX/XX/XXXX then stopped crediting properly. 
In late XXXX I contacted Customer Service and was told all is fine. In XXXX I contacted again and in XXXX I got a letter stating my purchases don't qualify as they are not XXXX or XXXX purchases which is a separate quarterly promotion the card had. 
XX/XX/XXXX I contacted the XXXX XXXX and representative XXXX told all is fine and points will be credited within a few cycles. Didn't happen. 
XX/XX/XXXX I used Chase 's XXXX XXXX system to request a detailed report of all XXXX earning for this card. Went back and forth with reps who weren't reading my request to be told by one that they don't have access to that information and only I can view the past 3 months worth online. 
XX/XX/XXXX I contacted the Executive Offices again providing a detailed spreadsheet of each transaction on the card with missing points earning and where the bonus would be coming from. 
Heard back on XX/XX/XXXX from representative XXXX leaves voicemail confirming receipt and opening a review. 
On XX/XX/XXXX, XXXX & XX/XX/XXXX I called representative XXXX leaving voicemail requesting update. No responses received.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2023-05-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 contacted Trans Union to initiate a dispute for an Identity Theft issue regarding a credit card. I was directed to speak with the " Special Handling Department ''. Upon speaking with that particular department representative I was informed that they were going to " merge '' my file with another file the was in their database that contained similar information to mine. Unbeknownst to me this was information that was previously removed from my credit file due to a previous identity theft issue that was successfully disputed and removed from my credit profile years ago. The special handling representative erroneously placed this fraudulent account back on my credit profile with out my knowledge and full understanding of what she was doing with my account information. the following account : US DEPT OF EDUCATION Reported : XXXX XXXX XXXX XXXX  Closed was removed due to fraud and Identity theft several years ago and transunion just recent added this back on my credit profile, please see attached police report and FTC report.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Collection Management Holdings, LLC (TX)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am disputing inaccuracies in the reporting of my account ending in XXXX. The account contains the following discrepancies : Inconsistent Reporting of Dates : Last activity and closed dates differ across TransUnion ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
Balance Reporting : The account is marked as closed and charged off, yet a balance of {$1900.00} is still being reported inaccurately.

Account Type and Payment Details : The account type and payment details are inconsistent across the bureaus.

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) under 1681s-2, which requires creditors to furnish accurate and complete data. I request that the account be reviewed, verified, and updated to reflect consistent and accurate information.

Please provide a response within the XXXX investigation period as required by the FCRA.
Consumer complaint received 2022-07-12
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. (FL)

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment EQUIFAX XXXX XXXX XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

I was charged an annual fee on XX/XX/XXXX closing statement. According to credit card agreement I should have received a statement in XXXX with a massage ANNUAL FEE. To avoid paying it states PAYOFF BALANCE I didn't have a balance, And to send a written notice of termination with in 30 day. Once the FEE is charged it will not be refunded. So they will not remove it since XXXX they add late fees, plus returned payment fees because I did not authorize them with my bank. LAST STATEMENT I RECEIVED them them was in XX/XX/2021 ( That is when I paid off the balance, that statement didn't a massage ANNUAL FEE ). I should have received a statement 30 days prior to ANNUAL FEE being charged witch I didn't. I was never given a chance to terminate the account pre credit card agreement. Once this issue is addressed I need my credit reports adjusted accordingly removing all late payments witch they reported
Consumer complaint received 2022-12-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Sent dispute letters via certified mail on XX/XX/2022 to Experian disputing items on my credit report that are not mine. Experian received & signed for the certified documents on " XX/XX/2022, XXXX pm. '' All proof is provided in the uploaded documents. 

Per my letters, " If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days from the date above this letter, then you must remove these accounts from my credit report immediately. '' Experian has failed to provide legal documentation & requested files to verify accuracy of the items in dispute within 30 days from the date of my letter, so Experian is legally required to remove the items in dispute at once. If Experian fails to comply with FCRA 15 U.S.C. 1681i, I will move forward with the process to sue Experian for " negligent & willful noncompliance. ''
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

CHASE/SLATE XXXX, solicited me for PRE-APPROVED CREDIT. On XXXX XXXX I submitted application for credit. I called Chase credit card department about the status of my application, I was told that credit was denied. I then asked the agent to delete my personal information and not to sell it. 
CHASE CREDIT CARD DEPARTMENT refused to delete my personal information and not to sell upon my request. This denial happened after the initial agent I spoke with spoke to someone that directed the agent to refuse my request. I ask why they won't delete the agent on XX/XX/2022 at approximately XXXX and was told that they will not delete my information because I was denied credit.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business as a seller in online digital business since XX/XX/2022 and this is my first transaction in my Paypal account. XXXX XXXX XXXX has stucked fund in it that I have to withdrawn asap for emergency purposes. And I am hoping that I wil getback my account and able to withdraw and deposite my funds on it. Thank You and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (AR)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2015 I was at a Bank of America atm located on XXXX XXXX in XXXX XXXX XXXX XXXX. 
I made a deposit the sum of {$46000.00} at a atm on the side of the back Atm took my money and while it was doing the count of all XXXX dollars bill Atm when on a shut down and left me stand their with no deposit slip And it never credited my account Atm took all my money I never left the atm I call in to Bank of America And told them about the problem with the atm They never reply back I try call in for a claim of sum {$46000.00} And never got anything money back To this day it been over XXXX year in terms And not a dollar been pay back to me My live as never been the same after that I was financially ruined They did not care about my situation every time I call in they give me the runaround I tried to get access to my account and the And the bank card number to file a claim Denied of access I was left With no money
Consumer complaint received 2022-09-13
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. (MI)

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX They do not provide me with the orginial application like I asked. I Also asked for a sign document with the collecting parties and myself. If parties can produce a signed document proving i contracted them collect this debt then i will be in contract to pay debt by dollar. Upon further investigation i would like to have all documents reviewed to assure that there is no fradulent reports made on my behalf in the near future. A lwayer friend of mines told me i have the right to request who authorized this collector to submit this claim to my credit report without my permission. I will be charging a {$1000.00} fine for each infraction on my credit report if this was unauthorized according to the law stated by the 15 U.S.C. Sec. 1681i ( a ) .I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : XXXX Account Number : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :