davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 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 below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ID)

On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act 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 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 2020-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

I moved out of my apartment, XXXX XXXX XXXX, and was told I did not owe a balance prior to moving. I was told my balance reflected and amount of {$0.00} and I could simply just move out. A few weeks goes by after I moved and I receive a letter in the mail from a debt collector demanding a payment of {$160.00} to XXXX XXXX XXXX, I immediately contacted the property and was told the amount is due because I did not pay my utilities being trash, pest control, water, and sewage for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This is false because my utility bill is included with my monthly rent. The lady I spoke with did not fully explain why I was being charged that amount and refused to send me any information pertaining to the amount. This was not disclosed to me when I moved out or prior to me moving out and the property did not give me a chance to pay the balance nor did they tell me a balance was due prior to me moving. They turned me in to a collection agency and I had not been moved out of the apartment not even 30 days. Also, the property has since changed management companies and I even spoke with the regional director, XXXX XXXX, who told me over the phone that he would look into the issue, but never called me back and I called him four times after our conversation and did not hear back from him pertaining to this issue.
Consumer complaint received 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-07-30
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. (NY)

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 a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I opened a Saftey deposit box rental with Wells Fargo in XXXX California. 
On that date we put items of value and importance in that box and did not access it again until XX/XX/XXXX. When I went to access my box which I have been paying a {$95.00} per year rental fee for was not there. The actual box was missing. It was just an empty vault. Every year I paid my annual box rental of {$95.00} dollars. This was was primarily for my mother so she could put her valuables and important document in. So I had no need to access it without her. My mother passed away in XXXX of XXXX so my sister and I jointly opened the Saftey deposit box with a bank representative on XX/XX/XXXX. 
The bank asked us to file a police report which we did. 
My sister and I have tried repeatedly to find out what happened and to see what the bank was going to do for us. After the bank did their own internal investigation they determined that it was not their fault or responsibility that the box is missing. I tried to at least get reimbursed for the annual box rental but the bank responded with that they were not at fault thus no reimbursement of the rental fees. The total amount that I was seeking was {$950.00}.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 my credit report showed I had a negative report. Upon looking at what meant I found a utility company trying to collect a debt from an address I have never lived. I am disputing this negative mark on my credit report because I believe it to be fruad.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (MA)

I have had the XXXX XXXX credit card for several years. They recently switched the credit cards bank from XXXX to Barclays. Before the switch, they told us to get any payments into XXXX by XX/XX/XXXX. I submitted my XXXX payment electronically to XXXX for {$630.00} on XX/XX/XXXX through my XXXX XXXXXXXX XXXX checking account, which officially processed on XX/XX/XXXX. When I received the next statement under Barclays, it marked my account as past due and showed two line items related to my payment. One item showed the payment processed ( " PAYMENT THANK YOU XXXX '' ) for {$630.00} on XX/XX/XXXX but it did not post until XX/XX/XXXX. Directly above that item is a strange item with the description, " / % A @ '', with the same dates, which negates the payment of {$630.00}. my XXXX  XXXX XXXX statements for XXXX and XXXX ( attached ) show that I did not receive the {$630.00} credited back to my checking account. The money seems to have just disappeared in the Barclays system. I called them on two occasions and the best they could do was credit back the late fee and open a case ( # XXXX ), which would take XXXX months to investigate. None of the customer service representatives had any idea what to do. I found a forum in XXXX with a few other XXXX XXXX credit card customers who are going through the same thing. There is something seriously wrong with how this transition was processed. Barclays needs to formally recognize my payment.
Consumer complaint received 2020-05-26
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. (AL)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

Funds from my deceased wife 's three accounts that were to be placed in my retirement account has been lost/stolen by JP Morgan Chase since XXXX. They closed three accounts to transfer into my account and can not locate these funds to date.
Consumer complaint received 2020-05-26
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-05-26
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. (FL)

I received an old bill for XXXX XXXX XXXX MD in XXXX, XXXX. I never received the original bill as there were a plethora of mail related issues. I called the number on the bill XXXX and spoke with billing. I explained that I would like to take care of my bill for the physician, XXXX XXXX. The billing XXXX, XXXX, stated he no longer worked there and his private practice was dismantled when he joined a new department. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone.
Consumer complaint received 2022-07-30
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. (FL)

These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXXXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

See attatched XXXX IRS FORM 1099-C CANCELLATION OF DEBT MC end XXXX XX/XX/XXXX. DEBT XXXX XXXX see attatched XXXX Confirmation of Settlement XXXX XX/XX/XXXX CONFIRMS on XX/XX/XXXX SETTLED ** A YEAR LATER. THAN XXXX?? This debt is considered as " settled for less than full balance '' and was ( ** reported accordingly to the credit bureau agencies. ) XXXX HAS DESTROYED MY CREDIT FOR YEARS. XXXX COLLECTS ID REP XXXX DEMANDING PAYMENT MADE TODAY. This account shows sold on XXXX XXXX. It was Opened XXXX & shows a different account number on XXXX Report. 
This account is NOT OWED OR DELIQUENT!
Consumer complaint received 2023-03-15
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: Bread Financial Holdings, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights, under the 15 USC 1681 section 6o2 states I have the 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 .Under 15 USCS 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-29
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 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 a account Without my written instructions.

I disputed this account that has been affecting my credit for 4 years and I do not recognize it as mine, in response you update the account as newly opened and affect my credit even more. It is impossible for the account to be in open status. I hope they can solve the problem and send me the original documentation with my signature that supports this account. Thanks.
Consumer complaint received 2020-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (NC)

I contacted Medicredit in XXXX of this year about 4 debts, they told me if I paid the debts off they would delete it from my credit report. I paid all the accounts off. They all have {$0.00} balances. After I paid them they then refused to remove them. I then contacted XXXX  and started a dispute. They completed their investigations and DELETED the accounts from my credit report becaiE Medicredit told me they would remove them if I paid them. The accounts were removed from my credit report on XX/XX/2020 and today they are back on my credit report again! I am fixing to be XXXX  due to this. I have worked so hard to get my credit repaired and paid off every single debt I owed and now they are reported a second time on my credit with a {$0.00} balance. I did exactly what Medicredit told me to do so they would remove all 4 accounts and they conned me to pay them off and XXXX  removed them and then Medicredit reported them a second time after they were removed!
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

XX/XX/2022 Website sold information about my banking account pertaining to me being a XXXX XXXX XXXX XXXX, they refused to offer me handicap Accessible services and demanded they see me in person, this makes me feel worse about my XXXX from being a XXXX XXXX XXXX. The bank has continued to commit fraud and the Internal Revenue Services is Herby formally requested to audit their system for people committing hate crimes with the XXXX and XXXX community. Because of my religion I am being denied services ; ; XXXX XXXX FBI referral reference XXXX
Consumer complaint received 2020-08-11
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: Bread Financial Holdings, Inc. (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-04-26
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. (NV)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX , NV XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-30
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)

I have been sending dispute letters addressed to the Credit Bureaus requesting that they investigate and update my Credit File from erroneous reporting and yet they have done nothing! I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX, and TransUnion has not responded to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the follwing accounts : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 and XXXX XXXX XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 as I believe these accounts were reporting in error.