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. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I tried to withdraw {$2000.00} ( XXXX XXXXXXXX XXXX  ) from an ATM at a Chase Bank branch. The money was withdrawn from my account, but I didnt receive the cash, nor did I receive a receipt. I immediately called support and filed a claim, but it was denied a few days later. 

Afterward, I contacted support again. They informed me that the claim was denied because I didnt provide proof of the transaction, such as a receipt or a picture of an error code from the ATM. However, the ATM didnt print a receipt or display an error code, so it is impossible for me to provide this proof. 

I attached screenshots of the operation and the claim update. 

Date and time of the incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (TX)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
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. (GA)

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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX I looked at my XXXX credit report on XX/XX/year> and notices some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverified information.

( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
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. (FL)

XXXX XXXX has used my information without my written consent. Different addresses and names variations have been reported. XXXX XXXX has inaccurate information and they continue to report the inaccurate information on my Credit report. They are violating 15 U.S. Code 1681.
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. (MD)

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the Fair Credit Reporting Act, specifically Section 611 ( a ) [ 15 USC 1681i ( a ) ], if a consumer disputes the accuracy of the information in their credit file, the consumer reporting agency is required to conduct a reasonable reinvestigation of the disputed information. If the information is inaccurate, the agency must correct or delete it within 30 days of receiving the dispute. This section also mandates that the agency must provide prompt notice of the dispute to the furnisher of the information. If the consumer requests, the agency should provide the names, addresses, and telephone numbers of the persons contacted during the reinvestigation. However, during the reinvestigation period, the disputed information isn't required to be removed from the credit report. Instead, if the investigation does not resolve the dispute, the consumer can request that a statement of the dispute be included in their file and future reports. 
XXXX XXXXXXXX XXXX XXXXXXXX {$3200.00} late payments removed, XXXXXXXX XXXX XXXX XXXXXXXX {$1900.00} and late payments, XXXXXXXX XXXX XXXX  XXXX {$5000.00} and late payments, XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$6000.00} and late payments, XXXXXXXX XXXX XXXXXXXX {$3000.00} and remove late payments, XXXX XXXX XXXX XXXX {$330.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$240.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$3200.00}
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I HAD AN AUTO LEASE WITH XXXX XXXX. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED XXXX XXXX  4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED XXXX XXXX  AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM XXXX XXXX  CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (MO)

I pulled my credit report and realized that I somehow did not get any notifications about XXXX that my payments each month were not going through. fast forward I tried to pay XXXX  directly but they said it went to a collections management company true accord. I paid true accord after they sent me a settlement offer since the account was around XXXX years of age. I waited a few months and to see if it would update with payment less than full balance settled account. However now they are saying they do not manage my accound any more and to reach out to XXXX again. I tried to contact XXXX  and they tell me each time that true accord still has my account. They ( trueaccord ) are misrepresenting what they offer and lied to me to pay on the account. My credit is now showing I have a past due balance of XXXX when it should be settled less than for like they agreed to and sent me a link to pay the balance for an offer they can not even help me with. Honestly True accord and XXXX together should both be investigated! XXXX for not getting a better way for you to get ahold of them, and True Accord for not sticking to their word and processing the information correctly.
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (CO)

I contacted Western Funding XXXX by phone at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about my interest rate ( received this info ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 

I contacted XXXX XXXX XXXX  by phone twice at ( XXXX ) XXXX : requested detailed information about balance ( Was not provided ), I requested date & amount for payments since XX/XX/year> ( received this info ), I requested information about any additional fees ( not provided ), I requested information about how the fee agreement was processed or if there was an agreement that I was not aware of for informed consent ( not provided ). 



XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX info : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
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. (TX)

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, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (CA)

they are saying THAT I OWE XXXX XXXX XXXX. 
I DONT OWE XXXX ANYTHIG. THEY SAID THE DATE WAS XX/XX/year>. 
THEY CAN NOT SHOW ME A BILL. I DISPUTED THE DEBIT BUT THEY KEEP HARASSING ME TO PAY. 
PLEASE HELP ME. 
THANK U. 
XXXX XXXX 
XXXX XXXX.
Consumer complaint received 2024-09-21
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Re : TDRCSXXXX ; Amount : {$1400.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ).

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : TdrcsXXXX Please note that New York City Administrative Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission Consumer Response Center NYC Department of Consumer and Worker Protection
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Today on XX/XX/XXXX, I received my paycheck via direct deposit of XXXX. I only received XXXX. Then when I checked again I only had XXXX. I had pending transactions that were covered by a {$50.00} money order that I put in my account on XX/XX/2023. The money order cleared the next day on XX/XX/2023. This morning I went to XXXX and paid {$19.00} because I had $ XXXX in the bank and knew that I would have a tiny overdraft and that my paycheck would come in after XXXX today. So when I checked my account earlier it said that I was overdrawn by {$13.00} something and there were no pending transaction listed because everything was already cleared not pending. There were pending transactions of {$62.00} dollars. {$50.00} of that was already cleared and covered by the {$50.00} money order. The remaining balance should have been {$13.00} something and that is all. So I should of had {$1300.00} deposited into my bank not {$1200.00}. XXXX took {$53.00} dollars out but that is correct. Someone miscalculated my direct deposit and is acting like I never had the {$50.00} dollar money order in the bank at all. That is where my missing {$50.00} dollars is and I need it back asap. I am a single mom of XXXX  and I need all of my money. I called Citizens customer service line and the lady on the phone was no help at all. She kept getting confused and she did not know why my account was missing {$50.00} dollars. Then she put me on hold and when I asked for a manager and never took me off hold. I just need my {$50.00} dollars back because my account was in good standing until this morning when I paid for breakfast for my mother who did not have any money and was very hungry but that would have been only - {$13.00} something in that is all. Please help.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: A.R.M. Solutions, Inc. (AL)

Contacted by email by A.R.M. Solutions for an alleged debt by email. Attempts have been made to correct the issue with the original company, including Better Business Bureau complaint that the company refused to answer.

I do not want any contact with A.R.M. Solutions as a mediator for this business.

I will also note that I personally mailed a letter to White Knight informing them of the XXXX complaint and complaint number at the address provided in a written letter that was sent. Tracking is enclosed. They failed to respond to the XXXX and myself. All proof is attached. Also, their history with the XXXX  is attached, in which the XXXX  notes on WK profile that they have tried to resolve the issues with WK because of the influx of complaints THIS YEAR.
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. (TN)

Subject : Urgent Request for Removal of Fraudulent Accounts in Litigation Dear Transunion, XXXX, XXXX I am writing to formally dispute several accounts appearing on my credit report, which are not accurate and are associated with ongoing litigation. These accounts are fraudulent and linked to a trust account, which is currently under legal dispute. These inaccuracies are damaging my credit profile and must be corrected immediately. 

Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts are part of a legal bankruptcy proceeding, and their continued presence on my credit report is not only inaccurate but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be removed immediately to prevent further harm to my credit profile. 

Failure to remove these fraudulent accounts promptly may result in legal action against your bureau for willful non-compliance, including the pursuit of fines and penalties. I expect immediate correction and confirmation of these changes within the legally required time frame. 

Enclosed are supporting documents pertaining to the ongoing litigation. I trust that you will act promptly to rectify these errors and remove these accounts from my report without further delay. I have also included the fraud FTC report XXXX  XXXX Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and the actions taken to resolve it as soon as possible.
Consumer complaint received 2024-10-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (NJ)

I wass advised through and escrow analysis on XX/XX/XXXX that my escrow account was short {$1200.00}. I have owned the home for over 10 years and I have never been short in escrow more than {$300.00}. When I called Wells Fargo who holds my mortgage that I was doisputing the amount, they told me that the escrow was short because my homewoners insuracne increased {$600.00} for XXXX. I advised them that the increase in inusrance was correct but that shouldnt cause an escrow shortage of {$1200.00}. They told me they were collecting for XXXX and XXXX since they anticipated the same amount for XXXX. But then they said even if I pay the escrow shortage, my mortgage payment will still go up close to {$60.00} per month since they would now be collecting for XXXX homeowners insurance. I advised them that they never did tht in the 10 yers I have had the loan. Whenever I paid an escrow shortage, the monthly payment would not increase. How are they collecting for XXXX when we re not even in XXXX? I want this corrected.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Upgrade, Inc. (MA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.