davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX please 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 2024-10-30
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-06-19
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)

My report shows that my social security number had been leaked on the black Market and upon my investigation of my credit report I found fraudulent accounts and inquiries when disputed with the credit agencies they refused to take the accounts off and said that they had been verified
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-07-06
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. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-10-31
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. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-31
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

COMPLAINT AGAINST : Zions Debt Holdings LLC I. Backstory : XXXX/XXXX/2023 ; I wrote to XXXX and XXXX credit bureaus to dispute the accuracy of my credit report on their records, specifically regarding two collection accounts that have been reported by Zions Debt Holdings LLC, with balances of $ XXXX and $ XXXX, respectively, under account numbers # XXXX and # XXXX. 

XX/XX/2023 ; XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : Account information disputed by the consumer Meets the requirement of the Fair Credit Reporting Act. 

XX/XX/2023 : XXXX by mail, sent me only the Investigation Results ; In both cases, its response was : verified as accurate for both cases as well. 

II. Complaint : Although the alleged debt does not belong to me, I reviewed the XXXX XXXXXXXX XXXX XXXX XXXX website. I discovered that Zions Debt Holdings LLC must have the Collection License required by the state of Florida. Not fulfilling this law renders all their procedures XXXXl, and any information furnished to credit bureaus, including XXXX and XXXX, is unlawful. 

III. Request : I respectfully and formally request that this information be provided to XXXX and XXXX, in order to allow Zions Debt Holding LLC the opportunity to defend its position by showing the Florida Collection License. If Zions Debt Holdings LLC is unable to provide the Florida Collection License, it is my request that both XXXX and XXXX proceed to remove these collection cases from my credit report.
Consumer complaint received 2024-10-31
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. (MD)

Recently I looked at my credit reports and I noticed Experian are continuously reporting same late payments for student loans that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED just like the other Credit agencies. 
Account name : Dept of EdXXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> 90 days late XXXX times .This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. I demand Experian, according to the law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation. I asked them to update this numerous times
Consumer complaint received 2023-06-10
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-08
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. (MD)

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when XXXX, Equifax, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. It does not meet the fair Credit reporting act regulations. I feel that this account is affecting my credit report
Consumer complaint received 2023-08-12
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. (MN)

15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT I have student loans on my report from DEPT OF EDUCATIONXXXX XXXX XXXX that shouldnt be posted without my permission. I have attached a copy of my letter from the US Department of Education showing the loan has been forgiven in full, so I should not be seeing anything on my report from them.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has been unable to produce my XXXX Statement for my High Yield Savings Account. The statement was mean to be produced on XX/XX/XXXX. It is not available online. After repeated calls to Synchrony, I was told an IT problem was impacting statements since XX/XX/XXXX. I am in the process of getting a mortgage and my inability to secure my statements in adversely impacting my ability to secure a mortgage. 
Synchrony has refused my request to produce a statement for me ; they refused to provide me with a formal statement about the account errors that I can submit to my lender ; they refused my request to release a public statement about the ongoing errors ; and they refused to provide me with a timeframe for when I would be able to access my XXXX bank statement. This is unacceptable.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

on Monday XX/XX/XXXX I received a text who j thought was chase bank asking if I gave permission to send a wire transfer of XXXX to XXXX Florida. I also have multiple texts claiming them to be chase bank. they had me completely change my accounting and routing numbers for both accounts my total checking and my business banking account an total the amount that had been wire transferred over is business account {$3400.00} checking account {$2600.00} CHASE BANK MEMBER I got a phone call after I replied NO that I didn't approve this purchase, shortly after that I got a phone call who even had the same number as chase and over this whole ordeal took almost two hours and then I immediately rechecked my account and it was drained. if you listen closely you can over hear them discussing that its a wire transfer scam. please get back to me as soon can you can. 

thanks
Consumer complaint received 2023-07-19
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 am writing to dispute the account referenced XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the creditor as well as the credit reporting agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt. Stop reporting this information on my credit report for failure to legally verify. Please see the attached letters which are dated and time stamped.
Consumer complaint received 2023-07-19
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. (TX)

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Biehl & Biehl, Inc (NY)

Last week I received a collections notice from Biehl and Biehl regarding an incorrect charge. I responded with a letter stating that I was disputing the charge and included a full explanation of events. The next day XXXX XXXX from B & B called my office and she asked an employee of mine for the company email, which he provided, and then she asked to speak to someone about billing. That would normally be our bookkeeper but since I happened to be here I took the call. She informed me that I needed to pay {$400.00} today or " there would be consequences '' and I would end up paying even more. I informed her that I was disputing the charge and she continued to argue with me and tell me that even though the amount was never communicated to me I was still responsible for it. Almost immediately after that conversation she sent an email to the general mailbox for my company telling me my dispute is not valid. She attached a doctored version of the bill of lading that had additional information on it that I had never seen and was not on my copy. She also doubled down on her threat, writing that if I did not pay " obviously there will be consequences ''. When my employee read this and responded that it was inappropriate to send a collections notice to a general mailbox that was not my email, she replied, " This appropriate- I was given this email for XXXX per an employee. It seems Inappropriate that you would email me when I was told this is her email. '' I then responded to her email and told her that it was not my email address and also that her " evidence '' was something I had never seen and was different from the signed copy in my possession. She replied " This is a commercial debt. The FDCPA does not apply : it is funny because You are responding from the same email. '' I don't see what can possibly be considered " funny '' about any of this, or how a collections agency representative can communicate in this way. She still has not provided any proof that I owe this debt, but she has continued repeatedly calling both my job and my cell phone. She mentions a written quote but I had never received anything at all in writing from this company until they started sending me invoices and when I tried to contact them to find out what the invoices were about I was unable to get a hold of anyone. I never agreed to anything and I never signed anything. When an employee of mine informed her that I wasn't in the office she kept grilling him on when I would be there and wouldn't let him hang up. She then called my cell phone and left a message stating that I needed to take the offered settlement to " avoid an even more costly problem. ''
Consumer complaint received 2023-06-10
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (UT)

Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NC)

I had put a dispute in with chase because I lost my card and there was unauthorized transaction on my account. They are telling me that it was authorized and I never authorized any transactions I never even spent money on my account. I only made deposits into my account.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, I made a purchase for {$7.00} on my Bank of America credit card, a XXXX ending in XXXX. I have had the account in good standing since opening in XXXX, XXXX. The statement posted on XX/XX/XXXX and payment was due XX/XX/XXXX. I unfortunately forgot to pay, it slipped my mind. But I received no reminder emails about the missed payment and I had electronic delivery set up. So my account went from late payment to 30 day missed payment, and then 60 day missed payment, all with no contact from Bank of America. I finally noticed the payment was due when I saw it in my personal finance aggregator app ( XXXX XXXX, now called XXXX ). I paid it immediately, XX/XX/XXXX. Again, no late fee was charged to indicate something was wrong, nor any notice of late payment. 
In XXXX of XXXX, I noticed my account was closed. My credit report states is was closed XX/XX/XXXX. I had to call Bank of America, who would not disclose the reason for the account closing. I was informed that I would get a letter in the mail, which never came. I called back in XXXX of XXXX and was informed again that nothing could be disclosed and that I would get a letter in the mail. It is now XX/XX/XXXX, and I have received no letter. 
I believe Bank of America set me up for failure, as I now have two negative remarks on my credit report and they refuse to communicate with me about the payment or the account closure. I feel the situation would be rectified if the late payment remarks could be removed from my credit report since they also played a role in lack of communication about the missing payment and later failed to follow their own instructions that I would receive a letter with details.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

On XX/XX/2023, Citizens Bank experienced a system issue and our customers, including myself, could not access their accounts. In addition, a deposit of my paycheck that comes every other Wednesday between XXXX XXXX  and XXXX XXXX  Eastern standard time did not go into my account. No one has access to their accounts online or via mobile banking. When I called Citizens, they told me they dont know when this problem will be resolved. I can not pay my bills today that were due and I have no money in my account except for {$55.00}. I am stuck. This is not the first time this has happened with CitizensBank, where their system has gone down, and no access to any funds. They have no answers and did not offer any solutions other than an apology. This has gone on too many times.