davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
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)

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX is appearing on my XXXX, Transunion and XXXX credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Consumer complaint received 2023-08-17
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 below : XXXX XXXX XXXXXXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX Balance : {$340.00}
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am currently on the phone with a rep by the name of XXXX who works in the XXXX XXXX department of Experian. I was told by previous reps that work in the special services department of Experian that if I submit my ID, SSN Card Utility Bill, FTC Report with the accounts I'm disputing listed on my credit report along with my ID Theft Police Report, they will block the fraudulent accounts reporting on my Experian Credit Report. But, after speaking to XXXX, who confirmed that he received all of the above mentioned documents, he said they have the right to not block fraudulent accounts from my credit report even with the documents I provided. He instructed me to read FCRA Section 605B, Section C. He informed me that this FCRA law gives him the right to not block, or even dispute the fraudulent accounts showing up on my credit.

So while he was on the phone, I reviewed Section 605B, Section C and it states the following, " FCRA Section 605B, Section C states that consumer reporting agencies may not provide certain information in consumer report if it relates to a " bankruptcy case '' that is more than 10 years old, or any other negative information, that is more than 7 years old. '' The above mentioned states no where in this section where it does not give the consumer the right to have fraudulent accounts blocked or disputed, so what he informed me and was trying to educate me about does not apply to my situation. 

But, based on, FCRA Section 605B Law, it allows bureaus to block fraudulent accounts reporting on my credit report. This section states that id you provide the credit reporting agency with an ID Theft Police Report and an FTC ID Affidavit Report, they must block any information related to the fraudulent account from appearing on your credit report. This is done in order to prevent the false information from negatively impacting my creditworthiness. 

I asked to speak to a supervisor, which one was provided to me, but right in the middle of me speaking to him, somehow the call dropped and I was not given a return call. 

XXXX who works in the Special Services department confirmed that he sees all my documents clearly. Then, after he read his notes in the system, he said, and I quote, " Based on the Notes the last rep said, my documents aren't clear. ", then he proceeded to state that now that he is looking at my documents again, the ID is not clear as well as other documents.
Consumer complaint received 2018-08-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OK)

I had a failed transaction at a Chase bank ATM where I was charged for a withdrawal the machine did not dispense or provide a receipt for. 

On XX/XX/2018 at approximately XXXX I attempted to withdraw {$100.00} cash at a Chase bank ATM at XXXX XXXX XXXX XXXX in XXXX XXXX , though I do not have an account with them. 

The transaction went normally until the machine failed to dispense the cash when it indicated it would. The cash dispenser did not open and the receipt was not printed out. The people in line behind me at the time declined to use this ATM because they saw this happen. 

When the bank employee opened for the day at XXXX I spoke to him about my problem with the ATM and he told me the machine seemed normal. He also said there was nothing he could do to refund, and that it was me and my bank 's problem to be resolved between us. He would not have the machine inspected or the security footage checked which would show the malfunction. 

I called my bank ( XXXX ) the same day to report this malfunction and it was confirmed that it was indeed logged as a successful transaction which would debit my account. The incident is still to be discussed with them pending weekday business hours this Monday.
Consumer complaint received 2023-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX i placed an initial dispute with experian which both request have been ignored. this last request was mailed XXXX XXXX and I have confirmation that the letter was received via signed confirmation.
Consumer complaint received 2023-08-17
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

Please delete all fraudulent accounts off my credit profile from Experian, XXXX XXXX and XXXX immediately. 

XXXX XXXX XXXX XXXX 2021 {$4200.00}
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I use to have a Bank Account with Bank Of America years ago. Then they allowed a male with a mans voice to make a payment with another account over the phone and it was a Fraudulent Account. So BofA blocked me from all online Banking and even when I was suppose to collect XXXX I was never ever able to log into my Account never ever could I ever login. They blocked me and gave my money to a crook. 
Then of course when I file a claim they deny it because the entire time someone else took over my account so there charges looked the same. 
If Bank Of America was smart they would go over my transaction when I had account with XXXX XXXX.I do not understand how they believe the actual fraudsters over me.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/18, I have sent the company a letter that this collection on my file is reported as inaccurate amount for {$1600.00}.

1. I have also asked that they provide me evidence that this debt belongs to me, and to provide to me " who '' verified this information, ie, signature showing that I am legally binded and obligated to pay this amount.

I have not heard back from this company in regards to my request.

This company has failed to get back to me within the 31 day period, so they are already in violation.

This company has sent me letters threatening to sue me for this amount
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I have sent requested information for this company a number of times. However, they keep sending back information as verified with no consent from me. I have sent them letters from the court saying they do not verify information. I did not verify and I opt out and have opt out of any third party using or sharing my information. Yet, they refuse to remove the information I have requested a number of times and keep sending back the same information which is not verified. I have also found other errors on my report that have been updated and this bankruptcy information has not been removed as requested.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have attempted multiple times to use Experian online to permanently unfreeze my credit report but their online app and website always displays messages to me that the site isn't working, or their site will repeatedly request for me to submit a front and back copy of my ID then it rejects it and says it doesn't accept my type of ID. I have telephonically attempted to reach a human customer service agent all last week for over 2 hours at their phone number, but their system is set up AI style and makes it extremely difficult for consumers to reach anyone- the AI routed my call back to the main menu multiple times every time I said that I wanted to unfreeze my credit report. Further, I wrote a letter to Experian and sent it Priority US Mail to their po box and they still haven't responded.
Consumer complaint received 2024-08-14
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: EQUIFAX, INC. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2018-08-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had deposited a certified check from XXXX to my account at Bank of America on  XX/XX/29 at the ATM. The deposit slip stated that I will have all funds available for use on the XXXX of XXXX by XXXX XXXX. which was 2 days from when I deposited the check. However, two days later I was told in an email and telephone rep at BOFA that the deposit was on hold for an additional 8 days which now makes it available on XX/XX/XXXX. I have spoken to supervisors and managers over the phone attempting to get the reason for the hold based on the federal law and the Bank of America disclosure a cashier 's check should have been available to me within 3 business days at the most. I did also verify that XXXX had already cleared and paid the {$5000.00} check on next business day after I deposited. Also I've went in to a BOFA branch and spoke with the manager there and after doing some research all I was given was that the hold is " confidential reason '' and she's unable to view beyond this point however, the manager did agree that cashier 's check should not be on hold for this long. She claimed that she was not able to remove the hold or do anything with this transaction and advised that she will get back to me on Monday XXXX after she does a little bit more research on this hold. I have bills to pay I have been over drawn from other accounts I have at different institutions which is all due to this hold which I think is unnecessary. I also have a sick dog that needs XXXX and other Medical needs that I was needing this check for. I have begged and explain everything to Bank of America however they are not willing to help me and neither are they giving me a specific reason for this hold. Based on the federal law regulation CC and Bank of America 's disclosure there is no reason for them to hold this CASHIER 'S check. Please help me. This is beyond depressing for me at this point. I appreciate your time and effort thank you
Consumer complaint received 2018-08-05
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. (SC)

I sent this credit bureau a letter about two bankruptcy reporting on my credit report. The letter stated that the US bankruptcy court does not report bankruptcy to the credit bureaus. Some third party person reported this without my permission.
Consumer complaint received 2018-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (VA)

A collection agency I never heard of or talked to or got a notice from reported me to the credit bureau on XX/XX/XXXX over an amount of {$260.00}. The only way I found out about them is when I was looking at my credit report on XX/XX/XXXX. 

I called them and their costumer service were basically rude and misleading. They admitted that they never contacted me before and that reporting a collection on me was a way to get my attention. When I asked them to remove it from credit bureau because what they did does not even comply with the fair credit act that protects consumers, their response was the only way they can do that if I pay first and that they are doing thing legally based on the time they been on business. I am not even sure why I should pay an amount of {$260.00} and all my bills are current. I told them I can't pay for something I don't own. 

I checked review on XXXX  and other customers have the same issue with that company. 

This collection agency basically is hurting me because I was getting ready to get a home equity loan to renovate my house that is in a bad situation because of contractor fraud.