davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Officer, XXXX you every thing is going well. 
I am the XXXX XXXX XXXX owner, my name is XXXX XXXX.My Employer Identification XXXX. My passport number is XXXX from XXXX. Now I have a big problem I need you help. 
In last month XXXX I want to open a business account in Chase bank, and I asked the banker if I can get a new bank account for my company, the banker told me yes, I could have an account in their bank, and I need to close the XXXX XXXX XXXX  account I opened before, make a cashier 's check and give it to them, and deposit it into the new account they opened for me. After about three weeks of processing, they still can not open my company 's account. I have now closed the XXXX XXXX XXXX account, which has had a great impact on me, although I spend so much time and energy to deal with these things, but the result is XXXX. More than XXXX dollars still pending, I can do nothing with my business, I can't recruitment staff and any payment. My company can't run as well. 

Best wishes! 
XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (MD)

I have disputed XXXX since XX/XX/2022 several times and never got a response. This account does not belong to me nor am I legally responsible for this account. The account is really harming my credit score and need to be removed immediately. It's showing up as a delinquent account with multiple late payments. Please remove this account from all of my credit reports.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowed me to deposit a check from a lender, XXXX XXXX, and informed me that the funds would be made available after XXXX hours. I had bill to pay therefore I waited the XXXX hours and then I wrote checks and sent the checks to my debtors those checks balanced there was XXXX checks and they bounced and my bills never got paid and my car was repossessed my lost my job and all kinds of hardship happened because this they overdrafted my account and I have not been able to obtain a another bank account ever since and this is in XXXX  and this is like XX/XX/2018 the overdraft fees swallowed up the lenders funding and they are also telling me that I owe them {$180.00} because of this these overdraft fees and I was have not been able to obtain any bank account since this incident this Bank of America this is in XXXX XXXX
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (NY)

Citi credit card debt collectors called my sister, who is not an authorized user in my account, or has anything to do with my debt. They disclosed the amount of debt that I owe and tried to bargain with her by saying that i will be up to date, if I make a certain payment amount. This is a violation of the Fair Debt Collection Practices Act to disclose my debt to an un authorized person. This occurred on Tuesday  XX/XX/2019 at XXXX.
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (CA)

The following inquiries done by XXXX XXXX XXXX, XXXX, XXXX were not authorized.. I have never been contacted by this company either which leads me to believe that is all some sort of error. Please look into this matter for me and delete this information or provide me with documentation that proves this inquiry was authorized or delete it from my credit report
Consumer complaint received 2019-08-14
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: CITIBANK, N.A. (CA)

I have a Best Buy Credit card with a $ XXXX limit. I added my daughter to use the account. When the account was already over the limit from her charges, an additional charge was made for {$1600.00} and Best Buy added it to the bill and then wanted it paid. I have a limit of $ XXXX, period. The credit card agreement allowed for the bank to allow " Slight '' over charges. I demanded the additional charge be reversed, as I did not authorize the additional charge over my limit, and they have not acted or responded. I also removed my daughter from the account.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I had several XXXX XXXX accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
Consumer complaint received 2019-08-14
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. (GA)

I had several XXXX XXXX  accounts that were discharged through bankruptcy in XX/XX/2917. These accounts ate all closed and no activity since XX/XX/2017 however the company continues to report the account as open and delinquent. They also continue to update the status which makes it seem as if the debts are recent when last activity date should be XX/XX/2017. Ive disputed several times with all bureaus and they keep responding to the dispute with incorrect information.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 09 XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (CA)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, UNKNOWN XXXX, XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX , XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-08-14
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-08-14
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. (TN)

DEPT OF ED/XXXX  Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Consumer complaint received 2019-08-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called today XX/XX/XXXX to TransUnion about an account I've tried to dispute with them since XXXX. I was told to try getting proof from the creditor that it wasnt my debt or work it out with them. The company I'm referring to is XXXX XXXX. In XX/XX/XXXX, I was sent to Trans Union fraud department. I was asked to send in evidence that I contacted them for proof of my debt.I actually sent certified mail to XXXX XXXX. So, I send over evidence by letter with pics of my original letter to XXXX XXXX, the certified card from post office, the response from XXXX XXXX which had no proof or validity, only a bill. I'll attach it to this complaint. I never heard back from Trans Union 's Fraud Dept. 
When I called today, I was told that back then, they found that my letter showing proof of non-validation couldn't be used. They said they contacted me numerous times, but I never got a thing from them. If I did, I would've asked them what I could actually use, since that's what they asked me for originally. I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about th same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. XXXX XXXX Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers.  Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. 

So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and Trans Union are falsely reporting on my credit file. 
That's why I'm filing this complaint. 
I've also attached the new letter I sent them yesterday via upload.
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX after few attempts to collect the debt sold my account for pennies of the dollars to Midlan Credit Management Inc with a balance of XXXX ( my debt is with XXXX XXXX XXXX. Not with Midlan credit ( never signed any legal document with XXXX XXXX management now the want to make profit which i think is a reap off to working people .They are even pursuing legal action against me .Even tho you decided to pay the debt will stay in your credits records for up to 7 years.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Today, XX/XX/2019, I tried to thaw my credit with Experian online AND on the phone and was denied and I DO have my PIN. Both automated responses indicates that I have to submit my request by MAIL to their office for consideration. I am in the process of buying a car and need my credit thawed immediately.
Consumer complaint received 2019-08-13
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: EQUIFAX, INC. (TX)

I've had an issue with all 3 major credit agencies. Equifax, XXXX and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. Equifax screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.
Consumer complaint received 2019-08-14
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. (GA)

XXXX XXXX pulled my credit without consent on XX/XX/2019 and XX/XX/2019. These were results of card replacements with one due to fraudulent activity.  I disputed with credit bureau with no success and XX/XX/XXXX also refuse to move stating they have the right to pull whenever per my initial agreement.
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

On XX/XX/XXXX I received a phone call from a debt collector ( XXXX XXXX XXXX XXXX ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/XXXX I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/XXXX, the investigation is still in progress with the bank that the check was cashed to - Bank of America. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and XXXX XXXX XXXX  XXXX Department, neither one of them could explain the difference between the two amounts. I would like Bank of America to resolve their end of the issue with my fraud claims, as it has caused a huge amount of grief over the last several months. They have been working on my issue for the last 5 months with absolutely no progress updates, despite XXXX XXXX XXXX reaching out to them on a weekly basis.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have seriously disrupted my life, resulting in considerable stress and XXXX As a victim of identity theft, I never authorized this information to be associated with my name.
Consumer complaint received 2019-08-14
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. (VA)

On XX/XX/2019 I submitted account disputes by mail concerning accounts that I did not recognize. Along with my disputes I also sent a CLEAR picture of my CURRENT state issued Driver 's License & a CLEAR picture of my XXXX XXXX XXXX XXXX with my CURRENT address ( that matches my ID ). With the understanding that the credit agency ( Experian ) had 30 days to investigate these disputed accounts, I received mail XX/XX/2019 from Experian stating that : They were unable to honor my request because I did not provide sufficient or legible information for them to verify my identity. I have copies and can provide upon request, all documents I mailed with my dispute, including the CLEAR pictures of BOTH my state issued ID & Utility Bill. I take this as nothing more than an attempt on Experian 's behalf to prolong the investigation of these accounts, in favor of the creditors who are clients/customers of Experian to give them more investigation time beyond 30 days.

The letter I received from Experian also ask that I send in copies of my Scoial Security card which BY LAW I am not obligated to do. All that is needed by law to process my disputes are a copy of valid state issued ID & proof of address such as a utility bill. All these requirements were clearly met and provided with my dispute.

Can you please investigate why Experian has not provided results from my disputes when I clearly provided required documentation to have my disputes processed. It is XX/XX/2019 and my 30 day investigation period is up. Thank you very much for your attention in this matter.