davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

the last year i had an accident so a insurance company send me a check every 15 days since XX/XX/2022 and these check i upload in the bank of americas app, but in XXXX  i have to go to XXXX because my mother was realy sick i dont remember if were XXXX XXXX o XXXX i had two checks pending to upload at the bank of americas app, but for mistake i upload two times de same check but the a friend go to the bank of amercia branch to deposit the check that i did not upload and deposit other new one and i recive those deposits in mi count but then when i come back from XXXX i had 3 checks that the insurance company send me every check was for {$1300.00} each one and the last XX/XX/XXXX i upload the three checks but the money appear until XX/XX/XXXX but the las XXXX XXXX i did not have any access at banck of america online , so i called to banck of america and they told me that they closed my count for try to charge false checks but the checks are made for the insurance company then i try to charge in other bank because in bank of america tolme that de chesck get back to the insurance company but in th eother banck i can not charge beacuse already were carger so again talk to the bank of america and they told me that the charge the checks and they have de money but they don have anytime to send me that money because they are investigate the money and the suggested to talk to the insurance company so that they would make a claim and return the money and then they would issue me another check but they insurance company told me that they can not do that because the checks already are charger, And I spoke again with the bank of america explaining to them and I told them that it was very illogical and irrational that they supposedly closed my account and credit cards for supposedly false checks when they have the money and they cashed those checks and What I requested is that they return the money from the checks that have already been cashed and that legally belongs to me and apologize publicly for having closed my accounts, of course, false checks when they are not, because if they were they would not have collected any money and they are withholding my money, affecting me financially, so I request that the balance I had in my account be returned to me as soon as possible along with the total of the checks collected. I am not interested in having an account with a bank of America again and that the reports that are issued to credit institutions resulting from the supposed determination by the bank are modified or canceled so as not to have any problem in the long or short term since the checks are not false so much so that you were able to collect said resources and I do not understand why they keep them when they legally belong to me.
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (MN)

I once owned a credit card from PNC Bank and submitted a lost or stolen card claim. The sent me a new card, but the lost or stolen card showed on my credit report for many months. I continued to pay all payments on the new card. I had not received any notification from PNC that I had an outstanding balance on the lost or stolen card. Then in XX/XX/XXXX, I called to inquire why I received a negative report from PNC, only to learn that the old card still had charges of over {$100.00}, which had not been transferred to the new replacement card. I paid what they claimed was owed on the old card then. My credit report for this card shows all payments on time from XX/XX/XXXX until XX/XX/XXXX, when they reported a 30-day late payment that negatively impacted my credit score. I have disputed this claim with credit reporting agencies and tried unsuccessfully to get PNC to remove this late payment they are reporting to all three credit reporting agencies.
Consumer complaint received 2023-02-23
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. (NC)

Dear Experian, I am writing about account XXXX on my credit report and to request that you either provide a method of verification or permanently delete the account. I previously disputed this account with you, and you responded by stating that it was verified and validated as accurate. However, I have since followed up with the original creditor, and they were unable to fulfill my request for validation of the account. 
I am aware that it is my right by law pursuant to 15 USC 1692g to request validation of a debt, and it is concerning that the original creditor was unable to provide any relevant information relating to the debt. Additionally, the original creditor informed me that the account had reached the statute of limitations and that they were no longer actively attempting to collect on the account. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I would like to remind you of the responsibilities of the Credit Reporting Agencies to report complete and accurate information. It is my belief that proper procedures were not followed in the investigation of my dispute, and this behavior could constitute fraud, identity theft, and false and inaccurate reporting. 
This letter is my final attempt to address this issue before I exercise my legal rights as a consumer. I urge you to investigate this matter and take appropriate action to rectify the situation. Failure to do so may result in further legal action on my part. 
Please provide me with a method of verification for the account or remove it permanently from my credit report. I look forward to hearing from you soon. Please provide evidence of the reasonable procedures used to determine the validity and accuracy of the information. Please provide the names numbers and addresses of the people contacted for you to come to your conclusion to insure your procedures were reasonable, impartial, and fair to preserve the rights of the consumer. 
Please provide Documentary evidence and any other valid information. Please request the Disclosure from the furnisher that I signed giving your company permission to furnish the account as a failure to do so could constitute identity theft because my private protected non public information is being shared between two companies in a business transaction that does not involve me except to harm my reputation. 
Please send all required Documents.
Consumer complaint received 2023-02-24
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Consumer complaint received 2023-02-24
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX XXXX XXXX XXXX {$730.00}.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (DC)

I don't get paid regular as when I first receiced the card from XXXX employer so I had been using it as a debit card by loading money on it to pay my bills. last month I put {$50.00} on it to pay some bills and was hit with a automatic {$17.00} charge, when I check the statement I saw 17 seperate XXXX  dollar charges at the same time. I call customer service and they told me that XXXX sent those charges. I called XXXX and they said they only sent it once. XXXX Netspand has refuse to return the charges. The next insident was on XX/XX/2020 I went to the XXXX gas station because I still had {$8.00} dollars on the card and tried to use it buy some gas and the pump cancelled the transaction, I had to pay the teller with cash. When I got home I received a text message from netspent XXXX that my card has XXXX ballance from the XXXX transaction, XXXX Netspend has refuse to return the funds to the card. 
Card # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, 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. (PA)

Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-24
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. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : The account information is below : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2020-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXX and XXXX  refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.
Consumer complaint received 2023-02-23
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. (GA)

I HAVE BEEN CALLING THEM AND THEY TELL ME THE SOMETHING ITS ACCRATE AND ITS IS NNOT. THIS IS THE PROOF FROM XXXX COMPANY. THIS IS CAUSING DAMAGE TO MY CREDIT.
Consumer complaint received 2023-02-23
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and are damaging my credit score. Upon reviewing my credit report, I found several violations of FCRA, FDCPA, XXXXACTACT, TILA, RESPA, ECOA, and FCBA. Specifically, I am disputing the following accounts : XXXX XXXX XXXX Account Number XXXX This account was reported as a late payment, which is inaccurate. I have never missed a payment with XXXX XXXX and have always made payments on time. This report is in violation of the FCRA. 

XXXX XXXX XXXX : Account Numbers XXXXXXXX XXXX  XXXX These accounts were reported as charge-offs, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

XXXX : Charge Off Account I do not recognize this account and have no knowledge of it. I believe this account was opened fraudulently, and I am disputing this report as a violation of the FCRA and FACTACT. 

XXXX XXXX  : Account Number XXXX This account was reported as a charge-off, which is inaccurate. I have always made my payments on time and have never received any notification of delinquent payments or charge-offs from XXXX XXXX. This report is in violation of the FCRA. 

XXXX - XXXX XXXX : Account Number XXXX This account was reported as a charge-off, which is also inaccurate. I have never received any notification from XXXX XXXX XXXX Service regarding any delinquent payments or charge-offs. This report is in violation of the FCRA and FDCPA. 

I am requesting that these items be removed from my credit report as soon as possible. I am also requesting that you provide me with written confirmation of the removal of these items and a copy of my updated credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the information on my credit report. According to my credit report, I have several negative items on my credit history that I believe to be inaccurate. 

Firstly, the charge off account with XXXX XXXX ( XXXX ) is not accurate. While I did have an account with them in the past, I was never informed that it was going to be charged off. Furthermore, I was not given any notification of the balance that was owed on the account. 

Secondly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I do not have any recollection of ever having an account with them. 

Thirdly, the charge off account with XXXX XXXX XXXX ( XXXX ) is not accurate. I had paid off this account in full, and yet it still shows up as a charge off on my credit report. 

Fourthly, the charge off account with XXXX XXXX ( XXXX ) is also incorrect. I have no recollection of ever having an account with them. 

Lastly, the collection accounts with XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) are not accurate. I have never received any notice from either of these companies regarding any unpaid bills. 

I believe that these errors have violated my rights under FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. I demand that the inaccuracies be removed from my credit report immediately. 

I look forward to your prompt response and resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Transunion XX/XX/XXXX to inform them about the call I got from XXXX. 
I did a police report on XX/XX/XXXX I received a letter from Transunion on XX/XX/XXXX regarding the information they found XXXX XXXX XXXXXXXX XXXX was accurate. 
I'm disputing this decision. 
I've received paperwork through XXXX XXXX XXXX XXXX. I had the paperwork notarized and sent back. The problem is that their site has no phone number. They don't have my phone number, social security or or address.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NJ)

This is a continuation of my prior complaint, which was closed without appropriate resolution. 

Reference is made to such prior complaint. 

Moreover, my complaint is that my payment was 30 days late because my payment history in the Mr Cooper mobile application showed a payment being made, when in fact it was not. Had the Mr Cooper mobile application showed my payment was still outstanding, I would have made the payment as needed. Because the Mr Cooper mobile application did not accurately reflect my payment history, the 30 day late notice should be removed from my credit history. 

Likewise, I understand Mr Coopers previous complaint response, but such response does not account for the confusing and inaccurate display of my payment history in the Mr Cooper mobile application. Because my payment history in the Mr Cooper mobile application was confusing and inaccurate, the 30 day late notice should be removed from credit agency reporting.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe were reported in violation of various consumer protection laws, including FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

The following accounts and details are reported on my credit report : XXXX XXXX XXXX XXXX - late payment account XXXX - collection account XXXX XXXX - collection account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX XXXX XXXXXXXX XXXX - charge off account XXXX XXXX XXXX XXXX - charge off account XXXX - collection account XXXX - collection account I am disputing these items on my credit report because I believe they were reported in violation of several consumer protection laws. The creditors have failed to provide me with the proper notices required by the law, failed to investigate my disputes, and failed to report accurate information. 

For instance, the late payment account reported by XXXX XXXX XXXX XXXX was an error on their part. I have made all payments on time, and the late payment should not have been reported. 

Additionally, the collection accounts for XXXX XXXXXXXX and XXXX were reported without proper validation of the debt. I have requested validation of these debts, but have not received any response from the creditors. 

Furthermore, the charge off accounts reported by XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX  were reported inaccurately. The debts were paid in full, but the creditors failed to update the information on my credit report. 

In conclusion, I request that these items be removed from my credit report immediately, and that the creditors comply with all relevant consumer protection laws. Please provide me with a written response regarding the investigation of these disputes. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX XXXX reported to the credit bureaus that they provided unspecified service to me for {$550.00} and that I failed to pay them back. I disputed their contention with the credit bureaus, which in turn informed XXXX XXXX that the reporting was challenged as identity theft. XXXX XXXX could not provide document to support and verify their reporting and as a result, the Credit Bureaus removed the incorrect information from my file. Today, XXXX XXXX has repackaged their alleged debt or otherwise sold it to Enhanced Recovery Collection and reports it again to the Credit Bureaus, in violation of federal law.