davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I mailed in a dispute to Equifax CRA to dispute an inaccurate account. Equifax then responses that they could not locate my file in their database and needed to confirm my identity. The thing about it is that I sent a signed and notarized copy of my California drivers license and copy of my Social Security card along with my dispute letter. Despite their claim, they placed a pre screen opt out on my file. But they couldn't find my file though. Not sure how both of those statements could both be true. Placed an opt out on a file that they could not locate. 

So, I got another notarized copy of an updated dispute letter which contained, once again, a copy of my California drivers license and Social Security card. This time Equifax completely ignored my dispute and only sent me a copy of my report. Once I get the report I see that they have my address as " XXXX XXXX XXXX '', and my license reads " XXXX XXXXXXXX ''. I send in a dispute letter disputing the account that I was originally disputing as well as disputing the misspelled address. Equifax then sends me a letter stating that they can't find my file, again, and that my ID has to match there records. I thought that their records had to report MY information correctly, not the other way around.

It seems that I'm stuck in a catch 22 here. I need to correct the address that Equifax is reporting, but I can't dispute the incorrect address unless my address matches THEIR records even when I send in copy of my California drivers license, Social Security card, and a current credit card statement along with my dispute letter. 

Please help.
Consumer complaint received 2023-12-01
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. (AL)

XX/XX/XXXX To Whom It May Concern, I am 100 % in disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately reinvestigated and for good cause. These inaccuracies are highly injurious to my credit rating. There are inaccuracies on my report for the following accounts. Please remove ASAP! 
XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1692f ( 1 ) Unfair Practices- Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would like to know how you verified this account. In fact, there is NO WAY possible this account was validated because it is not even reporting correctly on my report amongst the three bureaus. The " date open '' is not the same across my three credit reports. It is impossible for this single account to have multiple different open dates. You are not reporting 100 % correct information. Thanks to this inaccurate reporting, it is causing issues with my credit score. I am positive it is against the law to leave anything inaccurate on my report, and I want it removed ASAP. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual PROOF the information was verified, not a computer generated confirmation! Provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual furnishers of information. The method of communication you used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

there are XXXX inquiries on my account from XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ive never been to XXXX  or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. XXXX. XXXX. Mo. XXXX. My. Compliant is. lack of consideration of positive. accounts not being reported on my credit report. Also. XXXX credit bureaus is conducting a promotional program called XXXX/XXXX  youre score which 4 of my associates have tried 8 times and failed to. accomplish. The program is fruad and designed to gain customers for there Credit. Repair Program
Consumer complaint received 2023-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (TX)

On Sunday XX/XX/XXXX I went to a restaurant where the waitress accidentally charged me {$320.00} instead of {$32.00}. She immediately fixed the charge so it off of their invoices. I confirmed with the owner of XXXX that they would not be collecting the erroneous funds ; he even offered to have his credit card company confirm it as well. The owner of the restaurant can be reached at XXXX. 
As of XX/XX/XXXX the funds have not been released from our bank Truist. In the previous days I have -asked to have the pending charge to be reversed. They could not. 
-asked for a credit in mean time to cover overdraft as they have done this for me when I double paid a bill in the past. They would not. 
-in the investigation Ive discovered that once I balanced my checking account by hand there was a missing {$160.00} and no holds or pending charges to explain where it was. I assumed I was wrong but the following business day the missing {$160.00} came back into my addling confirming mismanagement of my funds by the institution. My bank has made no comment on this either. 

I have spoken to Branch Manager XXXX at XXXX XXXX XXXX XXXX XXXX texas where I was treated very poorly. At the time my account was overdrawn and he was obtuse, arrogant and in his own words told me he would not help me when I requested a credit as a final compromise. The credit to fund gas so that my husband could go to work this week. 
I reached out to his boss XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX : XXXX where his only communication to me was that he was passing me off to XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX and XXXX XXXX. XXXX advised she would speak to me the following day and I never once heard back from her. Ive never heard from XXXX XXXX. 
Ive still not gotten any help. Ive been ignored and gaslit. 
This pending charge is well over 96 hours old, Ive called countless times and emailed countless times.
Consumer complaint received 2023-11-30
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. (CT)

XXXX XXXX, Transunion, XXXX and XXXX have received documents as required by the fair credit reporting act that state I am a victim of identity theft, they have been sent to them for over 1 year, my credit score fell from XXXX to XXXX because XXXX XXXX, Transunion, XXXX and XXXX refuse to adhere to the fair credit act laws, I am unable to find a place to live and now forced to be homeless due to XXXX XXXX  Transunion, XXXX and XXXX, I am not qualified to receive any assistance at all over a matter that I was and am a victim of. 

All four corporations named XXXX XXXX, Transunion, XXXX and XXXX have violated my civil rights and fair credit law. I'm sending the information in for the 25th time and each time I have documented and saved each report filed, this has been going on for one year, I do not owe XXXX XXXX any money whatsoever, I did no just jump up and use {$5000.00} in credit, it makes no sense at all. 

XXXX XXXX, Transunion, XXXX and XXXX have forced me into homelessness
Consumer complaint received 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (KS)

I received an automated text from Amsher debt collections saying they wanted to help me resolve my account and to call to discuss. I didnt have an account there nor never heard of them so I didnt call. I just got notified on my credit report that I had a debt in collections by Amsher Debt collections from LLC Charter Communications for {$560.00} but Ive never had an account with them. I had 2 fraud occurrences this year as well. One with XXXX and one with another communications company. Its very frustrating to have to go through all of this again.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

each company listed has violated my rights as a consumer specifically, under the FCRA 15 U.S.C. 1681b, 15 usc 1692 & 15 usc 6801, 18 U.S.C. 1028A, 15 usc 6802 ( b ) and lastely 15 usc 1681 ( N ) ( b ). Then when asked to provide such documentation they ignored me. each letter was notorized and sent with signature tracking to show the dates received. 

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 ( Last reporting date ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last date reported )
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This letter is to inform you that recently received a copy of my credit report that your company publishes and after receiving it i found a number of items on the report that are inaccurate. Under the FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. If you do not have documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). Please don't respond to my request by saying that these accounts have been verified. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (FL)

These Accounts doesn't Belong to me : 1. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX Account Number : XXXX Please Remove This Inaccurate Account 3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. IThe following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-30
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: EQUIFAX, INC. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I made a cash deposit in the amount of {$2100.00} at a chase atm branch located at XXXX XXXX XXXX XXXX. The atm malfunctioned and gave me a receipt to check on the status of the deposit. I made a claim over the phone and along with the branch at above location. Within 3 days I was credited. Fast forward to XX/XX/XXXX Chase bank decides to reverse the credit and it takes {$2000.00} of my money from my account. I follow up on XX/XX/XXXX with a dispute of their investigation. They claimed the ATM didnt go over. I asked to see the cameras and they refused. I know what I deposited in the atm on XX/XX/2023. It was {$2100.00} cash all in {$100.00} bills. Please help me stop these crooks from taking my hard earned cash.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the documents provided. I am urging the bureau to start an investigation into these accounts, given that I have a flawless record of on-time payments, yet they are misrepresenting me as late.
Consumer complaint received 2023-11-30
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (TX)

I bought some items from a company whom then ended up never delivering the product and cut contact with me. I went to the bank to have the fraud charge reversed. The initial exachange of money was through XXXX XXXX whom I challenged the fraud charge with. Now a month later they reversed it again and left my account in the over drawn negatives and are taking the merchants side even though I have documentation it was all fraud
Consumer complaint received 2023-11-30
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. (NJ)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-30
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: BARCLAYS BANK DELAWARE (TX)

I enrolled in a debt repayment plan to responsibly pay my debt to Barclay 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. Barclay 's accepted my debt repayment plan on XX/XX/2023 ( see attached email from In Charge Debt Solutions ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/2023 ( see attached statement titled Barclay 's XXXX ), In Charge Debt Solutions paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because Barclay 's did not change my minimum payment due until XX/XX/2023 ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called Barclays several times ), and is paid directly by In Charge Debt Solutions. However, Barclay 's continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/2023, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on Barclay 's part by not correctly adjusting my monthly payment amount due in XXXX of 2023 ( after agreeing to the new payment amount in XX/XX/2023 ), causing my account to go past due in XX/XX/2023. 

This issue has destroyed my credit, which has always been around 700. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
Consumer complaint received 2023-08-15
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. (NY)

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.

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 2023-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleg debt, nor therefore any such debt, in fact therefore exists