davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

CRA IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT. 
THEY ARE REPORTING MY NAME WRONG AND INVESTIGATING ACCOUNTS UNDER A FRAUDULENT NAME. 
MY NAME IS XXXX XXXX. 
my name is NOT XXXX XXXX or XXXX XXXX XXXX. 
THESE NAMES ARE WRONG, SO HOW CAN YOU INVESTIGATE ITEMS ON MY REPORT IF THESE NAMES ARE WRONG. 
my name is XXXX XXXX. 
please correct my name and do a proper investigation on disputed items.
Consumer complaint received 2019-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I sent {$170.00} to a seller on XXXX for a pair of sneakers through XXXX XX/XX/XXXX. The following day XX/XX/XXXX the seller kept making excuses that his XXXX account was acting up and requested for me to send it again. I sent 3 additional payments of {$170.00} totaling to {$520.00} XX/XX/XXXX. He made another excuse that I shouldve left a note on the payment and in order for me to get my money back Id need to send another {$520.00}. It was at this point I had a hunch that I was scammed. Ive reached out to Chase and and XXXX and they are unable to get my {$700.00} back. The seller has refused to send my money back and has blocked me.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

XX/XX/2020 I received an alert from my credit monitoring app staring that a new collection was placed on my account from creditor XXXX XXXX.I have not received any phone calls or written notice of a debt owed. My credit score was all of a sudden lowered by 30 points because of a debt that I wasn't informed of nor given time to dispute. I spoke to the company I C Systems and they stated that No type of notice was mailed to me nor was I ever contacted regarding to this so called debt.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-26
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NY)

RE : Sterling National Bank. commercial LOAN # XXXX I have meet with bank managing director XXXX XXXX back on XXXX I am trying for lender to provide me mortgage bills for years XXXX & XXXX ( 1098 IRS forms ) that are obligated to provide every end of year. 
Sterling bank has failed to do so after many attempts and I even meet with them and they have been charging me now for past 11 months higher interest and higher Tax escrow that what my actual property taxes are, I have emailed them many times copy of my property tax bills showing lower taxes and all what they need BUT yet they still dont want to give me what is owed to me/client. 
I want Sterling National Bank to be nothing more than fair and provide what a loan service is obligated to do to their clients. 
I have proof emails ( over 50 emails ) since XX/XX/XXXX that what I asked and pretty much nothing has been given to me and their lack of communications and unprofessional people with NO answers its very frustrating!
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (MO)

I am submitting this CFPB complaint to you today to inform the Credit reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed XXXX {$2000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-08
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: Experian Information Solutions Inc. (AR)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract and/or Agreement with my signatures on it that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX/XXXX  XXXX Peterson Vs Experian. Richardson v. XXXX XXXX XXXX, XXXX et al, Cushman Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account.

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!
Consumer complaint received 2019-10-03
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. (GA)

Im a victim of fraud, I have fraudulent accounts and fraudulent addresses on my credit report that I dont recognize nor did I authorize!!!! Ive sent a identity theft affidavit along with docs verifying my identity and Ive called 5-10 times and counting and the three credit bureaus refuse to remove the fraudulent accounts and addresses on my credit report dispute the fact that I have provided all the documentation they requested!!!
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Sequium Asset Solutions, LLC (CA)

I tried cancelling XXXX XXXX XXXX XXXX service in 2017. I spoke with an agent over the phone who acknowledged that my service was being terminated. XXXX continued to bill me for this service for almost a year afterward, even after I moved from the address where service had been initiated. I eventually got my service terminated but they wanted to collect {$140.00} for three months of service I did not use. 

At some point XXXX XXXX XXXX transferred this account to a credit collection agency called SEQUIUM ASSET SOLUTION. In response to a written notice I got in contact with this agency earlier this year telling them I disputed the debt. They stopped contacting me or so I thought. 

A few months later I started receiving call from a XXXX, NY number I didn't recognize. The agent asked who I was, but I asked them to identify themselves before I confirmed my own identity and they would not, saying only it was a private matter. Because I didn't feel comfortable confirming my identity, they hung up, and I had no idea what it was about. Then, yesterday, I see a delinquent account reported to XXXX and since those XXXX calls stopped, I now assume they were about this XXXX XXXX XXXX XXXX charge that I've been disputing for over two years.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAINE & WEINER COMPANY, INC. (NY)

According to FCRA, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and 1681i ( 5 ) ( A ), credit bureaus are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I demanded to see proof for the listed accounts and was 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 ). So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. '' According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. They must provide this request no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of their first investigation, they stated in writing that they verified '' that the items were being reported correctly. 

1 ) Who in your company verified these accounts? 
2 ) How did they verify them? 
3 ) Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. 
4 ) Include the documentation that was used to verify the dispute. 

They have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2022-07-04
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)

XXXX XXXX XXXX XXXX XXXX. The US department of education has balances of {$13000.00}, a {$7500.00}, a {$6300.00}, a {$4000.00}, a {$930.00}, {$3500.00}, {$1100.00}, {$1200.00}, {$3800.00}, {$1600.00}, {$5100.00}, {$6200.00}, {$3100.00}, {$4000.00}, and {$3400.00}. These account were posted on my account without my legal consent that is granted by law and these things are affecting my credit score.

15 U.S. Code 1681 2. XXXX XXXX wasnt given permission to access my credit report either! XXXX XXXX has a balance of {$740.00} on my report and I didnt give them permission to post to my credit report.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XXXX of XXXX, I opened an Advantage Banking checking account at Bank of America. I applied for the account as part of a promotion, where BofA was advertising a {$300.00} promotional bonus for accounts opened by XX/XX/XXXX, if {$4000.00} was deposited via direct deposits within XXXX days of account opening. After opening the account, I called BofA to make sure that the promotional offer was attached to my account, so that I would receive the bonus after completing the requirements. I was informed that the promotional offer was not showing up on my account, but that once I completed the requirements I should call BofA and provide the code XXXX and the {$300.00} promotional bonus would be manually credited to my account. 

I have completed the advertised requirements, insofar as I opened the account in XX/XX/XXXX XXXX prior to the XX/XX/XXXX deadline ) and I received $ XXXX in direct deposits from my employer ( {$3400.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX ). 

I called BofA on XX/XX/XXXX, with the code XXXX, as I had been instructed to do. I spoke with an agent who told me that I was not eligible for the promotional offer because it expired on XX/XX/XXXX. However, the terms of the offer state only that the account must be *opened* by XX/XX/XXXX -- *not* that XX/XX/XXXX is the last date on which promotional bonuses will be handed out. I have completed the advertised requirements and would like the advertised {$300.00} promotional bonus. 

For reference, the relevant terms of the offer are as follows : " Open a new eligible Bank of America personal checking account by XX/XX/XXXX ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive Qualifying Direct Deposits equaling a total of {$4000.00} or more in your new personal checking account within XXXX ( XXXX ) days of account opening. '' I have completed both of the requirements listed here. I was previously told that I would be manually credited the bonus after completing the requirements. I ask that I be credited the {$300.00} bonus as promised.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (FL)

I have never had any communication with your company, never set up any payment arrangements. This is absurd! I have never had XXXX XXXX. I will keep fighting until you remove this account that does not belong to me. I was a victim of identity theft and reported everything to the credit bureaus.
Consumer complaint received 2022-07-04
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. (CA)

XX/XX/2022. {$660.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-10-03
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. (IL)

I have continued over and over to fix this problem I have with Equifax. This is still the worst of the three to deal with. Equifax continues to remove my good accounts in good standing but keeps the accounts that I have disputed on my report. They removed my new credit card that I have in good standing with XXXX XXXX   and I never asked them to dilute that account. Equifax is the worst company and this has caused my score to drop a few points. I asked for XXXX XXXX to be removed as well as XXXX XXXX XXXX XXXX  card to be removed and they still have not removed these accounts but only continue to ruin my credit and remove my new credit card accounts that I have in good standing.
Consumer complaint received 2021-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

On XX/XX/XXXX, I refinanced my University Accounting Services ( UAS ) loans with a different servicer/lender ( XXXX ). On XX/XX/XXXX, I received notice from my new servicer ( XXXX ) that a payoff was sent to UAS. On XX/XX/XXXX payments were applied to my UAS account from this payoff. A total of {$66000.00} was applied in payments. However, my loan refinance that should have been applied and sent by XXXX to UAS is in the amount of {$83000.00}. To this date, XX/XX/XXXX, the correct amount has not been applied by UAS. I contacted UAS regarding this issue on XX/XX/XXXX. I was told by the UAS customer service representative that the check number and/or a copy of the check that XXXX sent to UAS would be the necessary information in order to ensure that the full loan payoff amount is applied to my UAS account. On XX/XX/XXXX, I sent a copy of the requested check, which was a XXXX XXXX, to a UAS customer service representative who then forwarded it to the appropriate accounting services department. On this date, XXXX was able to confirm that the check had been cashed on XX/XX/XXXX. On XX/XX/XXXX, I followed up with an e-mail requesting to know the status of the resolution to this issue. On XX/XX/XXXX, I received a response from UAS stating that a payment research request was sent to the accounting team. On XX/XX/XXXX, I again sent an e mail requesting to know the status of this issue and was on XX/XX/XXXX that customer service still had not heard back from the accounting team. On XX/XX/XXXX I sent another e-mail inquiring about a resolution to my problem and was told that same day in an e-mail response that they had still not heard from the accounting team.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Problem with XXXX and Equifax Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.
Consumer complaint received 2021-01-12
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. (MO)

I had a student loan for over 7 years and for over 7 years I have NEVER SEEN MY REPORT WITH 16 OUTSTANDING LATE PAYMENTS because I always handle whatever the company needed from me before tax time. Now the debt has been closed and given to the government to pay I asked several times, trough a goodwill letter to remove the bad remarks from my profile and stop reporting the account inaccurately and wrongfully. The account has been closed since XXXX of XXXX but the reports of bad payment started XXXX of XXXX up until now XXXX of XXXX that's 14 late payments wrongfully on my report. Please remove this I have closed the debt to move and this is putting even more hardship on me during the pandemic