davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$140.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC (OK)

I had a home loan through rocket mortgage, it states through their records and my personal bank statements that I was 30 days late in XXXX and XXXX of 2023. Have verified XXXX, but on XXXX XXXXXXXX and one other showing dates for XXXX, XXXX, XXXX and XXXX were late. XXXX and XXXX has even been taken off of advantage credits reports once taking a XXXX wall call and verifying. 

XXXX and XXXX stated they needed a statement or something from Rocket mortgage stating which months I was late and to confirm XXXX and XXXX were not late, they obliged and sent a statement and record of payments attached ( as well as we attached my bank statements ) with my name and info attached in rocket mortgages statement verifying it was me. These credit bureaus said that that was not enough, rocket mortgage cant give me anything else further to give to the credit bureaus. Im basically battling them for them to do their job and report accurately so I can buy a home.
Consumer complaint received 2024-10-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Consumer complaint received 2023-03-20
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: DISCOVER BANK (GA)

Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Consumer complaint received 2024-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-10-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I called and requested to close one of my savings accounts and to transfer the money to my checking account. The person completed the work and told me everything was done. The next day I realized the account was still OPEN but it was left with a negative balance. I called for help but the person helping me could not fix the error. She was not allowed to fix the negative balance and escalated the issue. 
I got a voicemail about 5 days later and was told to call XXXX and enter extension XXXX. I tried to call this number several times but each time I get an error that the voicemail box is full. I am unable to reach the person. Next I called Chase service line to ask for help reaching this person and they could not help me. I called another Chase service line and again they could not help me reach the person at the number and extension provided. It is unfortunate that I need to contact the CFPB in order to contact a person at Chase that the internal Chase staff are unable to reach.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to dispute an inaccurate listing of a collection on my credit report that is currently marked as " open. '' According to 15 U.S.C. 1681s-2, furnishers of information must ensure that the information they report is accurate and complete. This collection does not accurately reflect my financial obligations.

Additionally, under 15 U.S.C. 1692, I have the right to dispute any collection account that I believe to be inaccurate. Therefore, I request that this account be investigated and removed from my report, as its current status is misleading and does not represent my actual credit history. 

I appreciate your prompt attention to this matter and look forward to a resolution.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

I had a credit card with a {$99.00} annual fee. Wanting to avoid paying this fee, I cancelled the card after noticing the charge, but I paid the full balance, including the fee, before closing the account. In the past, I was refunded the prorated portion of the annual fee after cancelling, but this time I did not receive a refund. I called and spoke with a representative who informed me that I am not eligible for a refund, even though I cancelled the card on the anniversary date and have not received any services for the annual fee. This information contradicts my previous understanding of how annual fee refunds work for credit cards.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OR)

I applied for the XXXX XXXX XXXX XXXX from Chase. I have excellent credit and have never been late on a payment. I was denied because I have applied for and opened XXXX credit cards in the last 2 years. I have reviewed the Terms and Conditions associated with this credit card and there is no mention of a rule that says you can only open up to XXXX credit cards in the last XXXX years. I consider this false advertising as I made application not knowing that an undisclosed rule would exclude me. Besides the time wasted, my Credit Score was lowered by a hard inquiry that I couldn't have possibly known would end in a rejection. Since Chase has made a hard inquiry on my Credit Account and seen that my credit is excellent, I ask that they reconsider my application for this card and provide it.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (NE)

XX/XX/2024 I filled out a donation to the local XXXX XXXX. When the page indicated that Pay Pal was the only option for payment, I ERASED THE INFO FROM THE FORM. 
I do not have a Pay Pal account and I dont want one. PayPal has been involved with episodes of credit card hacking and release of private information in the past. I WILL NOT HAVE A PAYPAL ACCOUNT., Despite erasing the form and backing out of the process, PayPal sent a notice that they were processing this donation even though I did not complete the donation and did not give consent to pay. 
PayPal has an old email of mine ; they HAD BETTER NOT have my credit card information. They are NOT authorized to make payments or promise of payments on my behalf. 
I dont and WONT have an account with PayPal , so it is virtually impossible to contact them. 
Paypal is a company that is not trustworthy of private information. 
If PayPal has any credit card information of mine, they have obtained it ILLEGALLY. 
PayPal does NOT have the authority to process any financial transactions in my name. 

Interestingly, they have sent notices recently on other transactions that I had nothing to do withclearly, my information has been hacked through PayPal.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX Incorrect Name - XXXX XXXX XXXXXXXX Employer - XXXX XXXX 
Incorrect Name-XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Employer - XXXX
Consumer complaint received 2024-09-27
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. (CA)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I didnt authorize these accounts. Ive raised this issue before, and now I urgently request the removal of these accounts. Their presence is causing me significant stress and misrepresents my actual credit history and financial management. If this isnt resolved, Im prepared to pursue legal action to protect my rights. These erroneous entries are seriously hindering my financial goals, such as buying a house and supporting my family. I hope we can resolve this swiftly.
Consumer complaint received 2024-09-27
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. (OH)

I have contacted the consumer reporting agency several times regarding fraudulent accounts that I did not open.. According to the fcra all information must be accurate. I have listed the accounts that needs to be removed. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2023, I sent money in the amount of {$370.00} to someone who promised to be selling an item to me that I purchased through XXXX XXXX. I found this person ( known as XXXX on the platform ) on the online XXXX, XXXX. As asked by them on the listing, to supposedly avoid the " 20 % fee '' that XXXX takes from sellers, I contacted them via XXXX, asking if the item was available. After talking shortly over text, I sent the money to a " payment phone '' that he had, confirming I had done so with him. After waiting until the next day for a response, I messaged him about the order, but got no response. I contacted my bank ( Bank of America ) to get help regarding the transaction, and was prompted to wait until Tuesday, XX/XX/XXXX, to dispute the transaction. Shortly after disputing the transaction, it was resolved, ending in the claim not being paid. I have also contacted the Federal Trade Commission, XXXX ( in regards to reporting the transaction ), XXXX  ( for reporting the user and his post ), and local law enforcement ( for filing a police report on the incident ).
Consumer complaint received 2024-08-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AP)

BAMK OF AMERICA VIOLATION OF THE FCRA .. ( BANK OF AMERICA ) & ( XXXX XXXX IS REPORTING UNAUTHORIZED CREDIT INQUIRY ON MY XXXX  CONSUMER CREDIT FILE.... TITLED... ( BK OF AMERICA XX/XX/year> )... IS.. IDENTITY THEFT NOT AUTHORIZED BREACH FRAUD .... BANK OF AMERICA AND XXXX FAILED TO REMOVE THE UNAUTHORIZED ( BK OF AMERICA XX/XX/year> ) INQUIRY INFORMATION.SINCE ( XX/XX/year> CREDIT ALERTS REPORTS HACKERS MASSIVE XXXX CREDIT DATA BREACH EXPOSED CONSUMER FINANCIAL INFORMATION )
Consumer complaint received 2024-09-27
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. (FL)

Subject : Formal Complaint to Remove Late Payment from Credit Report I am writing in response to your recent communication dated XX/XX/scrub>XXXX  regarding my previous dispute. Despite your assertion that everything is accurate, I must insist that the information in question remains incorrect, and there is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). FCRA Section 611 ( 15 U.S. Code 1681i ) As per Section 611 of the FCRA ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of this information.

I request that you investigate this matter and remove the incorrect late payment entry from my credit report. FCRA Section 623 ( 15 U.S. Code 1681s-2 ) Additionally, according to Section 623 of the FCRA ( 15 U.S. Code 1681s-2 ), information furnishers are required to provide accurate information. The creditor, XXXX XXXX XXXX, has failed to meet this obligation by reporting a late payment that did not occur. Therefore, I request that you promptly contact XXXX XXXX XXXX to verify this information and correct my credit report accordingly. It is your legal duty to verify this information with the original creditors and delete or correct any unverifiable information within the 30-day timeframe. However, since it has been over 30 days since my initial request and no corrections have been made, I am giving you a final deadline of 15 days to resolve this matter. 

XXXXXXXX XXXX XXXX XXXXXXXX Date of Incorrect Late Payment : XX/XX/year>
Consumer complaint received 2024-10-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I never received a call or letter, validation an opportunity to verify this debt, before it was placed into collections and placed on my credit report, I requested a debt validation letter over the phone, never received it, This debt is listed by XXXX different collection agencies. On my XXXX report it is reported by Columbia Debt recovery, They never validated or tried to resolve this with me before placing this in collections on my credit report. On my XXXX report the collection agency is Genesis Credit Management, Which there has never been a debt validation letter sent as I requested and no one ever reached out to me to resolve or validate this debt before it was placed in collections and placed on my credit report.
Consumer complaint received 2024-09-27
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. (GA)

TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Transunion, XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$130.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$510.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Synovus Bank (GA)

A cease and desist order was submitted to XXXX XXXX XXXX XXXX XXXX XXXX . According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (GA)

A cease and desist order was submitted to Resurgent Capital Services L.P./LVNV Funding LLC . According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer report is a medium of communication and thus subject to cease and desist requirements.
Consumer complaint received 2024-09-04
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: CITIBANK, N.A. (FL)

There is an old Macys card on this report and I do not understand why as I have a current account with them that is in good standing. I have never closed an account and opened a new one with them.