davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit 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: U.S. BANCORP (NY)

I has been payment with company ( US BankXXXX XXXX ) for few years. something happens to behind payment for few days. and called to company then need to disputed the cost. XX/XX/year>. they got angry and hung up for no reason. later next month I got another billing. said charge for non payment. then I decided to call them again. then they do angry and hung up again. so told them to dispute the cost and owed them nothing. and told them to close my account with card. they said no keep it til tail formation. I told them no more working with them anymore. then they hung up forward again. then called other the Reward Center to collect point earning then they disconnect the phone. they steal my reward earning. That's very bad business.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (IN)

XX/XX/XXXX Indiana stated that the amount that Old National Bank provided on my XXXX Form XXXX did not match the tax payments they received. My XXXX form shows {$2000.00} was filed with Indiana, however Indiana states they only received {$340.00} of those payments. 

I called Old National on XX/XX/XXXX and was informed that they merged with First Midwest Bank ( who used to make my pension payments ). Old National decided to merge the state ID 's so that the retiree only received XXXX XXXX form. 

Originally, Old National Bank tried telling me that it's not their problem. However, they quickly realized it was because I couldn't prove they sent the money. 

I have been in contact several times with only a response that they are working on it. My last request for an update was on XX/XX/XXXX. I requested the steps taken and where they stand in the process. I have yet to get a response. 

Personally, I believe they should pay me the {$1700.00} due until they get their issue straightened out with the Indiana department of revenue. 

Supposedly, I'm the only person in all of the Ironworkers Pension payments they make that this has happened to. If that's the case, I'm really concerned with what has happened with my money. 

I was also told by an Indiana Department of Revenue that this bank was being looked at. They also told me that they do not have this amount on the XXXX file from Old National. they say it only shows the {$340.00}, not the total deducted. I also shared this information with XXXX XXXX at Old National.
Consumer complaint received 2024-06-30
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. (NH)

am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the XXXX XXXX Rights and Privacy Act ( XXXX ), specifically 20 USC 1232g. 

Account name : XXXX Account number : XXXX As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.

I request that you immediately : 1. Investigate this matter and provide a detailed explanation of how and to whom my personal information has been furnished.

2. Cease any further dissemination of my personal information without my explicit written consent. 

Enclosed are copies of my identification documents to assist in your investigation.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America My funds have been frozen since XX/XX/year>, but I can't tell the bank why they have been frozen. XXXX years have passed, and they don't give me any time to send me a check. I suspect that the money was embezzled by the bank staff, and I need them to give me a fair answer
Consumer complaint received 2024-06-26
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. (FL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-26
Product: Credit reporting 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. (FL)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-27
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (PA)

My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc
Consumer complaint received 2024-06-26
Product: Credit reporting 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. (FL)

I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

The date was Tuesday XX/XX/year>2024 around XXXX XXXX. I had made a deposit with my XXXX XXXX debit card at PNC Bank at XXXX XXXX XXXX, XXXX, TX XXXX. I tried to deposit {$1700.00} to my checking account, but at the very last step ( processing ) it said transaction error, gave me my card back, and took my money. I called them ( PNC ), and they said that I should file a dispute with my ( XXXX ) bank. I did so with the fraud division, and they are investigating the issue as well. There were live recordings of me going through the atm, then the teller drive through twice to talk with the teller about the problem. I just need the funds for my bank account. Please help.
Consumer complaint received 2024-09-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellantis Financial Services US Corp. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : FIRST INV SERVICING CO Account Number : XXXX Charge Amount : {$0.00} Date Opened XXXX XXXX XXXX XXXX Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (FL)

I am filing this complaint against Trident Asset Management for their repeated failure to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and requests for documentation, Trident Asset Management has continued to report an unverified account on my credit report. They have only provided insufficient documentation, such as a generic statement, which does not meet the legal requirements for validation. 

I have formally requested a contract or signed agreement proving the validity of the debt and their authority to collect, but they have failed to comply. The account in question continues to negatively impact my credit, and their ongoing non-compliance is a violation of my rights under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681.
Consumer complaint received 2023-05-19
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. (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. 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 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 : 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 crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish wny 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 2024-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am writing to formally dispute the collection account reported by Columbia Debt Recovery regarding an alleged debt with the original creditor, XXXX XXXX XXXX. This account has been reported on my credit report without my authorization, and I am a victim of identity theft. I have no knowledge of this account, and it does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B and 611, I have the right to dispute and request the removal of any inaccurate information, including accounts resulting from identity theft. Section 605B allows me to block information related to identity theft from appearing on my credit report. Additionally, Section 611 mandates that credit reporting agencies must conduct a reasonable investigation and remove unverifiable information. 

Moreover, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from attempting to collect on debts that are not valid or belong to the consumer. By reporting and attempting to collect on this unauthorized account, Columbia Debt Recovery is violating my rights under the FDCPA, which entitles me to legal recourse. 

The continued reporting of this fraudulent account is not only damaging my XXXX XXXX but also causing significant personal and financial distress. I request that Columbia Debt Recovery immediately cease reporting this account and delete it from my consumer report. Failure to do so constitutes a willful disregard of my rights under federal law. 

Please investigate this matter thoroughly and provide confirmation that this account has been deleted from my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc. (FL)

I was hired for a job and Sterling Background Checks provide 3 different items that they suggested should be carefully considered. All 3 items were and are over 7 years old. The background check itself reads no results over 7 years should be provided. I was not able to start my new job because of the old information that Sterling provided my employer.
Consumer complaint received 2023-06-23
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)

A debt collection company by the name of radius global solutions has furnished a debt upon my credit report. When reporting the debt false for ownership because I had no idea of this debt and I do not owe this money being that there is no signed signature of my name on any biding contract with the original or collection agency with the furnish amount of XXXX. Upon investigation with the three credit bureaus they came back validated with no proof. Upon further inspection and requesting of validating proof, XXXX was the only credit bureau to remove the falsely reported information from my credit report. 

The same is for a XXXX account, it shows on my equifax and experian report but not on my transuion. Please, Id like these items deleted from my credit report, both bureaus immediately as they do not reflect my report honestly as a consumer and I was not provided with verified proof of this investigation of it being mine within 30 days from the credit bureaus, equifax and experian when requested.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2019-07-16
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: Experian Information Solutions Inc. (OH)

I have contacted ALL businesses by certified mail as well as all three credit bureaus pertaining to my issue. I have MANY hard inquiries on my accounts as result of my information being compromised and i had placed a security alert on my credit reports because of that, and even after doing so my credit was run over 20 times!!!!! I was never once notified or asked to give the identifying information required with the security alerts placed on my account, and now my credit is suffering immensely. Legal action is my next route if this does not get fixed in a timely manner, as it has already been way too long, and i have already addressed the issue will all companies involved and NOBODY has fixed their wrong doing. I was in chapter XXXX bankruptcy at the time FURTHER showing that the inquiries should not be on my account and again I was never notified or asked to confirm and allow my credit to be run!
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the with the original contract as I requested for {$5800.00} and {$900.00} as stated erroneously on my credit report.