davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX, I saw about 3-5 transactions from a company named XXXX on my TD Bank account, knowing I did not make these payments I called the bank instantly before these transactions cleared. The bank marked my card as a fraud and said they had locked it, however that wasnt the case. Moments after this call I watched the transactions continue, however from the call to the bank they told me that I couldnt do anything until they cleared, that after the transactions cleared I would have to go to the bank to finish the report. On XX/XX/XXXX the transactions continued. There is XXXX transactions with a total of XXXX dollars and the bank considers that I benefited from these transactions and have denied my 3 reports all because they sent a message or called and they claimed I answered meanwhile I never answered the message. I am very frustrated because I called with time and the bank didnt their job in securing my money and I need my money back that was my college fund and it is now gone.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/year> I sent a check for {$1400.00} to my landlord for rent using Bank America Bill Pay. 
On XX/XX/year> {$1400.00} was removed from my checking account. 
My landlord deposited the check but never received the funds because the cashiers check bounced. 
As of today XX/XX/year> my landlord was never paid and Bank America refuses to return the funds to my bank account. 
They refuse to return the money or explain what they did with it. I also can not file a dispute as the charge is not eligible. 
I want my money back now
Consumer complaint received 2022-10-04
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: ERC (VA)

I was contacted by phone in XXXX by XXXX XXXX with XXXX XXXX XXXX regarding a past due XXXX XXXX XXXX bill in the amount of {$1400.00}. I advised XXXX that I have never had an account with XXXX XXXX XXXX. She also informed me that the account was in my name and linked to an address in XXXX, CT, and I advised her that I have never lived in nor even been to CT. I thought that this was resolved as I never heard back from them. Then on XX/XX/XXXX I received an email from my credit monitoring service through XXXX that a " Major Derogatory Account '' and " New Account '' had shown up on my credit report. This time it is from Enhanced Recovery Company, and the charge is for {$11000.00}. On Monday, XX/XX/XXXX, Enhanced Recovery called me and I explained to XXXX XXXX that this was not my account and that this was fraud. She asked me to file a police report, which I did, and she said that she would email me a " fraud package '' which I have yet to receive. She had offered to postal mail the package to me and when I asked her where she was going to send it, she gave me the address in CT, and I told her " I just told you that is not my address, I have never lived there '', thus why I asked her to email it to me. i also had to give her my emails address four times, so I am unsure if she ever got it right. ( I will follow up via phone if I do not get the email by tomorrow ). I also contacted XXXX XXXX XXXX and filled out a fraud report on their website and I contacted XXXX to report it as fraud.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (OH)

n accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXX, Ohio XXXX acct # XXXX, OH XXXX acct # XXXX, XXXX XXXX XXXX, Ohio XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Ohio XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX  acct # 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 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022. 

I have asked the company to correct these issues. My email and their response is pasted below. 

The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus. 

I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months. 

From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs. 

Please accept our apologies for any inconvenience you've experienced. 

I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.

We report your account status to the credit bureaus every 30 days. 
Please allow up to 45 calendar days for the credit bureaus to update your credit information.

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX  account shows a {$970.00} balance due when the actual balance due is {$0.00}. 

This is negatively affecting my credit utilization rating. 

Please correct this error immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting 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. (GA)

I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report 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 XXXXXXXX  Balance : {$32000.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to E-OSCAR or any form of automated verification.
Consumer complaint received 2022-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VELO LAW OFFICE (MI)

I sent Velo law office the only thing I could find from a pervious debt collector I settled this with. I have been contacted by a dozen over the years and any time they close it out they sell it off no matter what I do. I attempted to ask questions to the law office on why they wouldn't take my dispute and what I could do to ensure that if I settled this again, it would come back next year with someone else. The woman was rude wouldn't speak to me and just kept saying " good luck ''. I can't begin to resolve anything with communication like that. Also they went to court after telling me to ignore the paperwork that was sent to me because I sent in a settlement agreement letter they requested and they never reached back out in the 30 days like they stated.
Consumer complaint received 2022-10-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (NV)

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 has violated my rights. 15 U.S.C 1681 602A states I have the right to privacy.

15 U.S.C 1681 section 602A. Its also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-10-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC (CA)

XXXX XXXX XXXX purchased my account from Cash Central. I took out several online loans through Cash Central and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from Cashcentral.com 's website which show that none of my loans are past due and I owe nothing. 

XXXX XXXX XXXX has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan. 

The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

My credit card was stolen from XXXX and the XXXX XXXX people are investigating and sent me a letter saying so. But when I call in and via emails thar are sent to me and CREDITORS who are calling me : My account is 'past due '. XXXX MUST freeze this account now! Why on earth am I getting late fees and my credit score is being harmed for 'over due account ' when my account was STOLEN from? I am certainly not going to pay off the thievery? What in the XXXX is wrong with XXXX  They need to correct this NOW and alert XXXX, Experian and XXXX. NOW!
Consumer complaint received 2024-01-31
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. (CT)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$2100.00}
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Customer paid me for services rendered with a counter check. Wells Fargo placed the check on hold because it couldnt supposedly verify the account. I checked with customer the next day and he showed me a screen shot of the check clearing his bank. Wells Fargo will still not release the funds into my account after the check had cleared. I called Wells Fargo and they refuse to take the hold off my deposit. I was furious! The check has cleared my customers account and I want my money that belongs to me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-24
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. (MD)

This dispute is in reference to : XXXX XXXX XXXX XXXX with Experian. 

I have repeatedly requested validation of this record and have not been sent any validation letters. They have only verified it online without sending me proof of validation. 

It has been removed from the other CRAs.
Consumer complaint received 2024-08-24
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 have noticed unfair and inaccurate reporting on my consumer credit report, along with multiple inquiries that need to be removed as for I have never received any goods, products, services nor credit from any of those companies. This falls under violation of Federal Law and shall be removed immediately for my safety and as a federally protected consumer. And any address that is not my current mailing address, is consider non-mailable and needs to be remove. It is causing me injury and damage! 
XXXX XXXX Report dated XX/XX/2024 states XXXX XXXX XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
XXXX XXXX Report dated XX/XX/2024 states : XXXX XXXX  XXXX as the account name which is inaccurate and incorrect as well as the account number listed. 
Experian Consume Report dated XX/XX/2024 states : XXXX XXXX XXXX  as the account name which is inaccurate and incorrect as well as the account number listed.
Consumer complaint received 2022-10-04
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US DEPT ED 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 an account without my written instructions.
Consumer complaint received 2022-10-04
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: Experian Information Solutions Inc. (AZ)

Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. If this account can not be verified, please delete the account. 

XXXX XXXX XXXX account number XXXX Open on XX/XX/2016 XXXX
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Double Diamond-Delaware, Inc. (TX)

XXXX XXXX and United Equity Mortgage Corporation are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.
Consumer complaint received 2022-10-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I transferred {$1400.00} through XXXX on Chase app to a stranger`s XXXX account XXXX, because this recipient friended me through a second-hand-stuff deal group on XXXX and claimed to exchange currency with me, but the recipient didn`t send the money back. The scammer blocked me and I only know his XXXX account, which is very easy for XXXX and Chase bank to investigate. The transfer status showed " Pending '' on Chase app for 24 hours and it was debited from my checking account. I called Chase 4 hours before the pending ends and I trusted the bank to be able to define the transfer as unauthorized transfer according to Regulation E, and the assistant said he would freeze my transfer and investigate the recipient. On XX/XX/2022, I received the bank statement and found that the bank didn`t freeze my transfer and he only froze my online access for 10 days. I called the Chase again, then another assistant said Chase wouldn`t do anything or investigate the recipient only because XXXX was a real-time transfer tool. I required Chase to investigate the recipient and provide the recipient information to the police and this requirement was not replied properly in that phone call.