davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (OR)

On XX/XX/XXXX I received an email from Ally letting me know that my accounts were being restricted and to call them. I did thinking this could be a scam. turns out that they were freezing all my accounts and I could not acces them at all. 
Back in XXXX a friend XXXX me {$620.00} to pay for an XXXX house for our vacation in XXXX. Later in XXXX that same friend realized that someone had hacked her zelle account and made some transaction. She called her bank, XXXX XXXX XXXX and reported the specific transactions as fraudulent. This transactions where all made in the month of XXXX. She specifically told XXXX that my transaction was ok. 
XXXX ignored that and called my bank, Ally Bank and reported the fraud case. 

At that point Ally Bank froze my accounts. I had to call twice since the first person would not give me any information at all. When I talked to their specialists on my second call I provided all the information on the transaction and confirmed the name of my friend and Ally Bank said that should do it and should take 1-3 business days to clear it. After that time I realized my accounts were still frozen so called ally again and this time they just said they could not do anything and that it could take 30 - 90 days for the investigation. 
I asked what they needed and if they had done any work on it, the answer was that they could not tell me anything. The next time I called a coupel of days later a representative pretty much said that when I open an account with them I agreed that they could freeze all of them if they deemed necessary and that they were not responsible for any impacts on my end. 
I again asked what they needed and he said that the burden fell on me to prove that I didn't do anything wrong. I had to provide them with a letter from XXXX and contacts and have XXXX call them and provide them a case number and that even then, they could still take all that time. 
I had my friend called XXXX and they provided a case number but they also were not helpful and didn't want to own up to their mistake. We have been playing this game for 2 weeks. 
I don't understand why they didn't just freeze the amount that was reported fraudulent instead of all my accounts. When i asked to speak to a manager, I was sent to a voicemail and nobody has called me back. 
They did not have a problem allowing my paycheck to come into the account, even thought they wont let me even look at my accounts. This doesnt feel like is in the best interest of the customer and they are not doing anything to help clear this up even after I provided a ton of information for them.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (CA)

I am one of the victims on US BANK fraud credit card account use my business name = XXXX XXXX XXXX  I try to contact they local branch, but has not solved problem, I am ready to going small claims count to use US NANK local branch for this fraud credit card account I have my police report, and all mails them sending to me, XXXX XXXX pressured its employee into applying for credit for customers whom had consented opened on their behalf. 
 how can I get my compensation, if your has they fines + {$37.00} XXXX looking forward to hearing from your replay soon XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (NV)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (TX)

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the XXXX, Experian and XXXX. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed that dispute accounts and information is still reporting on my consumer report. Although the bureaus saying that they have their validation, mere saying that they validate it means those information are accurate. I need them to provide proof that these are all reporting accurately. This is my third time reaching out to your office to help me make the bureaus response on my requested debt validation and investigation result from the XXXX, XXXX and Transunion. It is unfortunate that I spending time sending dispute letters to them to clear inaccurate information accounts reporting on my consumer report. But until now they are not responding based on FCRA Law requirement. They are violating my rights and I know that you could help me to solve this problem. Hoping to hear good news from you soon. Thank you very much.
Consumer complaint received 2022-08-03
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in 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/block any accounts listed on an id theft report. You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the negativity.. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-08-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX, sent letter to Trans Union via certified US mail with the following statement ( that I asked to have placed on my credit report per FCRA re : incorrect info posted by creditor XXXX. ) My statement read : " I want the following added to my credit report in regard to any claims by XXXX : Debtor had dispute bal. with XXXX in XXXX  XXXX. XXXX refused mediation. Debtor terminated his service with XXXX on XX/XX/XXXX. Upon receipt of final bill, Debtor served XXXX with Demand for Arbitration on XX/XX/XXXX per terms of XXXX Customer Agreement. Collection Agent served with Cease & Desist letter from Debtor XX/XX/XXXX due to disputed balance. '' I called Trans Union & spoke to 2 reps and a Supervisor ( XXXX ) and this is what they posted instead per Trans Union letter dated XX/XX/XXXX : " CONSUMER CLAIMS HAD DISPUTED BALANCE WITH XXXX I XXXX  XXXX. XXXX REFUSED MEDICATION DEBTOR TERMINATED HIS SERVICE WITHE XXXX ON XXXX THE RECEIPT OF FINAK BILL, DEBTOR SERVE XXXX WITH DEMAND FOR ARBITRATION ON XX/XX/XXXX PER TERMS OF XXXX CONSUMER AGREEMENT. COLLECTION XXXX SERVED WITH CEASE AND DESIST LETTER FROM DEBTOR XX/XX/XXXX DUE TO DISPUTED BALANCE. " I want what I requested posted without the typo errors
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To my disbelief, I found multiple errors on my credit report today, and Im at a complete loss for why theyre there. This is entirely unexpected, and refreshing the browser didnt resolve it as Id hoped. I urgently need these documents reviewed so that I can feel secure about my credit again.
Consumer complaint received 2022-08-03
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. (LA)

I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ( XX/XX/2019 - XX/XX/2019 )
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-03
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. (TX)

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter on XX/XX/2022 addressed to the Credit Bureaus requesting that they reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these accounts from my report during the investigation period. Upon reviewing my updated Credit Report, I realized that no correction was ever made on my Credit Report! As of this date, the Credit Bureaus have failed to respond to my requests. I immediately sent another letter on XX/XX/XXXX to follow up the letters I have been sending. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I mailed in a dispute about two fraudulent accounts thats reporting to my credit report, Back in XX/XX/year> I sent in everything they asked for and still have not heard a response.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NV)

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}XXXX OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and OAG CHILD SU XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}