davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

This company national account sys. Is saying I owe a Dabt of {$230.00} this is not my debt and I have not been notified by mail showing proof this is my debt .this debt mark is stopping me getting a mortgage
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank bill pay services deduct money from a checking account at initiation of the check, not at time of cashing of check. This opens door to several issues. Man issue is who s in possition of funds when check is not cashed? How does the bank report this addition income?
Consumer complaint received 2023-02-14
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. (GA)

Agency  is using my copyrighted name to report derogatory information on their reports. I have sent the company a copyright notice along with a notice to remove derogatory information. Should the information not be removed, the company will receive a copyright infringement notice ( {$500000.00} ) and be put on public record for fraud. The agency in question never received consent from me to report my name, my information or anything from a third party in my name. The agency in question created a " contract '' unwillingly without my consent. No full disclosure was given to the agency in question as to what is being reported.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-12-15
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXXXXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX  Inquiry Date XX/XX/2020 2020
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

On XX/XX/XXXX, I called all 3 credit bureaus and was told that I had negative information on my credit report from old bills that were still reporting as delinquent even though it clearly shows the bills were paid in full. This is having a detrimental affect on my ability to buy a home due to an artificially low credit score
Consumer complaint received 2021-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I have a capital one 360 checking account. I had been putting money into that account to buy my kids XXXX. The last time I used my card was XX/XX/2021 at the nail shop for my wife for {$48.00}. On XX/XX/2021 I received a message that the wrong pin was used which it wasn't me. I proceeded to check my account an someone had drained my account all but {$350.00} from at least 5k. I reported the card stolen an called capital one. I filed the claimed an within a weeks time they denied my claim saying they didn't see nothing wrong. There's multiple transactions of XXXX XXXX, XXXX, ATM, an several in store purchases that I DID NOT AUTHORIZE. My money is supposed to be insured and I'm being robbed by the thief an bank.i shouldn't be a victim twice
Consumer complaint received 2021-12-15
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Transunion Credit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX  XXXX {$0.00} XXXX XXXX {$310.00} XXXX {$0.00}
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (TX)

I sent letters to all three credit bureaus about this collection item on XX/XX/2021, for Waypoint Resource Group. Nothing has been done about it. They all came back that it was verified. 
WAYPOINT RESOURCE GROUP The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

There is another account item was removed and came back on the report under another name as XXXX XXXX XXXX, formerly XXXX  XXXX XXXX XXXX. 
XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. 
XXXX XXXX XXXX XXXX Information on this item has been updated. Please review your report for the details.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-16
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 items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my report
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

XXXX deleted one of the accounts but Experian and XXXX still have the account present on my profile and the information doesn't match.
Consumer complaint received 2021-12-15
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: JPMORGAN CHASE & CO. (FL)

On Thursday, XX/XX/XXXX, I submitted an application online with XXXX XXXX XXXX XXXX in XXXX XXXX, FL. Shortly after, I spoke to the Leasing Agent, XXXX XXXX, over the phone and I authorized a charge for the application fee in the amount of {$75.00}. I provided my credit card information over the phone to pay the application fee, but I was charged more than {$75.00}. I did NOT authorize the additional charges placed on my card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The total amount charged by XXXX XXXX XXXX is {$580.00} USD. It should be {$75.00}, so I disputed the amount of {$510.00} with Chase. In both the first and secondary reviews by Chase, they found the transaction to be valid, despite the information I provided that clearly proves that I never agreed to these charges. Consequently, I am filing this complaint with the Consumer Financial Protection Bureau as I have exhausted my options with Chase.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the validity of 4 different accounts with TransUnion by mail. One of the accounts is still being negatively reported on my TransUnion credit report even though that particular creditor has and is violating the FCRA. Proof that the creditor did not validate my debt was sent along with a letter requesting that TransUnion investigate and delete all accounts being reported incorrectly or not being validated. The letter and proof was sent on XX/XX/XXXX directly to TransUnion headquarters. A response from them has been received and it shows that one account was updated not deleted even though Trans Union was sent proof of XXXX XXXX XXXX Violating the FCRA by not properly responding to the consumer and validating the debt correctly. XXXX XXXX XXXX was sent a debt validation letter and debt follow-up letter on XX/XX/XXXX and XX/XX/XXXX. The first response I received from XXXX city XXXX was a letter post marked for XX/XX/XXXX. XXXX XXXX XXXX XXXX the FCRA and TransUnion was notified about the violation, but did nothing. The main problem with TransUnion 's response was that they failed to delete inaccurate information from my credit report and that information still remains. This is a direct violation of the FCRA and a civil case against TransUnion will be filed soon.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank Of America XXXX Account ( XXXX ) has been setup for closure by the bank 's decision. It currently has an available balance of {$2100.00} as of XX/XX/2022 and I have visited two different branches since XX/XX/XXXX, and the bankers are not letting me withdraw the funds from my soon-to-be-closed account. 

I have called customer protection several times and they state that the request to withdraw the funds may take from 3-5 business days, however, I believe that Bank of America is illegally holding the funds from my account for as long as they can until my account is closed. 

All my attempts to get the funds from my to be closed account have been useless.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

To Whom It May Concern, I am filing this complaint to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries listed below for your companies review. To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed unauthorized credit inquiries was without my authorization, permission or consent and for no legitimate business purposes. Around the time these unauthorized credit inquiries was placed on my credit report I was XXXX ( XXXX  ). As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in connection with these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly if I have to. In addition, I respectfully request a copy of any documentation authorizing these credit inquiries, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized these credit inquiries, I ask that the negative items be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC & 1681j ), there should be no charge for this report. Please note that credit inquiries arent considered factual records and shouldnt be reported on a consumers credit report for up to 2 years if they are found unauthorized. Thank you! XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX ( XXXX ) XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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. (OH)

I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX  xxxxxxxxxxxxxxxx XXXX
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX credit agencies had refused to remove an account on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

On XX/XX/2021 I was a victim of online investment fraud through the social media platform XXXX. I was contacted by XXXX XXXX XXXX page of a high school classmate whom I assume their XXXX page was hacked into. They reached out to me about an investment opportunity with Cryptocurrency. The person claimed that by sending any crypto worth at least a minimum of 1k or more of bitcoin to a crypto wallet address, in 15hrs max you'll in turn receive $ in USD. The person explained this is achieved by a miner using the Bitcoin towards a higher hash rate in mining the Bitcoin by validating blockchains through a continuous script to unleash even more Bitcoin. The person had me send 3k worth of cash via a Zelle/XXXXXXXX transaction to two email addresses : XXXX and XXXX The person claimed that by the next morning, I should receive all the return money via XXXX and I should give them 15 % cut. The next morning, the person reached out and asked if I had received the money. When I confirmed I did not receive the money, the person went ahead and asked me to provide them my XXXX  email address and password for verification purposes and a picture of my license ID. This is when I realized this was a scam and contacted my bank and Zelle immediately. I attempted to report the person 's XXXX as well as the others whom he is using as witnesses but was unsuccessful as XXXX didn't do anything about it. When looking into my XXXX  page, I also realized my XXXX page had been logged into from Ohio.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've contacted the credit bureaus about accounts on my profile that are inaccurate and they keep updating it and it is still inaccurate. I have sent several letters the last being in XXXX of 2021 and still, this inaccurate, incomplete and inconsistent information remains on my credit profile. 

Equifax deleted one of the accounts but XXXX and XXXX still have the account present on my profile and the information doesn't match.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-15
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. (SC)

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! this information is fraudulent and i want it removed from my credit report.
Consumer complaint received 2021-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have written to Experian to bring to their attention numerous inaccuracies in my consumer report and file that are damaging. These negative and damaging information has caused me so much anxiety and many lost opportunities to apply for credit cards, buy a car or apply for a mortgage. 
According to the FDCRA 15 USC 1681 e ( b ) and 15 USC 1681 i ( a ) 1 ( A ) I'm requesting a reinvestigation into ALL the accounts mentioned in sent letter. As a consumer I am excercising my right to dispute this incorrect information.
Consumer complaint received 2021-12-16
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. (NV)

TransUnion has become the worst credit gathering agencies that the public have to heavily relied on when they are obtaining credit for something. And when something is incorrect and try to talk to someone or dispute it never gets resolved. You can not ever get through on the phone anymore, it just rings a few times and then hangs up. Their web site tells you to send a pvt message on XXXX to them. However you can not ever chat live with anyone. You have to just submit issue and can take up to 72 hrs to get a response. Then if they ask you something else and you respond back another 72 hrs .... this could continue for a long time back and forth. I also have submitted the dispute twice so far and both have said it came back with no update. However this account remains showing closed on credit file with them ( the other two agencies have no issue with it ) and has been open several years. The last dispute I did online with them ( XXXX ) and also uploaded a copy of my statement for that account to show it was valid and open, was showing please give them until XXXX to resolve. Now today when I go online to see if anything on it yet, it shows that there is no active disputes for me and doesn't show in the history, like it has never happened Only the two I did in XXXX. So again I can not talk to anyone about it, just submit a XXXX request and wait and wait and wait. This has become a very unrealistic credit scores that is given to companies for credit worthiness.