davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/year>. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX SERVICES X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/XXXX I was assaulted and robbed : My cell phone, wallet, laptop and other items were stolen. Immediately after the attack and theft I was locked out of my accounts ( banking, email, XXXX, credit cards and more ). It took time for me to recover and start filing claims and freezing accounts. 

I filed a complaint with each company that was impacted. XXXX, XXXX XXXX XXXX, XXXX XXXX, Chase Saphire ( credit card ) Chase Bank ( atm/debit ), XXXX, cash app. All of my accounts were hacked and stolen from. 

I was restored and made whole by all except chase banking. 
From the instant I called Chase to file my claim I was met with rude and unwarranted assistance. 

The agent was annoyed that I called and was refused to help me document my claims. He rushed to push the claim without allowing context or taking adequate notes. 

The customer service agent conflated two separate occurrences into one. I had an incident occur in XXXX, XXXX that I referenced but that was only to provide clarity of the transactions and dates. 

What he did was compiled it into the assault and theft claims. This information was never brought to my attention. I was not contacted and there was no investigation outside of going off this one agents notes.

I contacted Chase many many times over and sent updated documents 3 different times costing me more money I did not have. I had no understanding and was provided no help. I was placed on hold and an agent thought they were muted, then I could hear them laughing and mocking me right before the call " randomly dropped ''. 

Recently - My claims were denied again without investigation and I was denied any further communication as though my money or the assault was unimportant. 



This incident happened between XXXX and XXXX in XXXX, MI. ( XXXX police claim number : # XXXX ) - contact number : XXXX. 


I filed a complaint with Chase and I'm hoping to get some support. I see many customers online have had similar issues like me. My hope is to be made whole and to stop the next person from being victimized by a powerful bank that can accept your money but not have the time of day to protect you. 

note : One agent said they sent a fraud alert notice to my phone and email but i did not have access to either of those tools because I was robbed and hacked. They would've known that had they contacted me or the police.
Consumer complaint received 2023-10-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MA)

Per complaint : XXXX COLUMBIA DEBT RECOVERY LLC DBA GENESIS sent me an email on XX/XX/XXXX, at XXXX XXXX, with the subject " Initial Notice ''. The email opened with " Columbia Debt Recovery LLC, dba Genesis is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX We will use any information you give us to help collect the debt. '' This email was asking me to settle a debt of {$570.00} and that this account bears an interest of XXXX percent per annum. 

They then shared the attached documents ( A document named statement and lease ) which do not address why I owe this amount. 

The 'statement ' shared does not state the date of origination, authorizing party or business that generated this said statement, or why I owe these amounts.
Consumer complaint received 2024-10-25
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: BARCLAYS BANK DELAWARE (ND)

Hard inquiry XX/XX/year> Barclay 's bank Delaware showed up on my account. I have XXXX XXXX XXXX XXXX, I have not given permission for this bank or any bank to access my credit. I do not know who did it and I did not give them permission to do so. What is this? Who is this? I live in ND. What's a bank of Delaware doing on my credit report??? I would like answers as I have no idea why it is on my report randomly.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I called on XX/XX/year> to ask CareCredit/Synchrony Bank for a completed XXXX form to be able to pay the remaining balance in full. That is what I need to be able to do it. I spoke with XXXX different CS agents and only one knew what a XXXX form was. The one that did help me said it would take 30 days for me to receive it which is outrageous. I waited about 20 days after still not receiving anything to call them back to see about any updates. Theyre reassuring me that they sent the request up and to still wait. Called about 5 days later, still nothing, asked to speak to a supervisor. Spent XXXX minutes on the phone with the them to explain to me that the XXXX was never sent out or completed and that they would escalate the issue. I asked was there any way to email it to me, fax it to me, anything to where I can get it immediately since Ive waited so long. She said she would try and took down all my information. After that phone call, about 3 days later, I got an email saying synchrony bank sent me a message with documents enclosed. XXXX automatically thinking its the XXXX right? I spent all night chatting with the chat agents, calling the customer service number, technical support, because you guessed it! After all that, they discovered that CareCredit members dont have access to the secured messaging feature. So I asked and pleaded could someone just directly send it to me then to my email. They refused. After XXXX more phone calls, each speaking with a supervisor demanding something be done at this point, they said they sent it in the mail XX/XX/XXXX. A month after they said it would be here. Fast forward to XX/XX/XXXX, I get something from CareCredit in the mail. Is it my XXXX form?? NO!! Its a hallmark card thanking me for contacting them. I called them XX/XX/XXXX saying I know this isnt what yall sent me in the mail on XX/XX/XXXX, and she reassured me no maam its still on the way and to wait until next week. I just need a XXXX form TO PAY THEIR BILL!!
Consumer complaint received 2023-07-24
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. (NY)

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 2024-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PENTAGON FEDERAL CREDIT UNION (NE)

PenFed {$33000.00} took my original auto contract and changed it without my knowledge. Then they wrote this loan off as a charge off and sent it to collectors knowing the active dispute and fraud they committed was never addressed. Penfed also went into another account of mine and took money to apply to this new forged auto loan which made me delinquent on a smaller secured loan that was almost paid off. I want this Auto Loan removed from collections and closed and removed from my credit report they already got insurance and ruined my credit.

FCRA requires them to prove the validity of this debt and they have yet to do it. Because they know a new auto loan was created and money was moved around to ruin all my accounts.
Consumer complaint received 2024-10-08
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. (NY)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-04
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. (IL)

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off XXXX : updated XX/XX/XXXX XXXX loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Consumer complaint received 2024-10-08
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. (MA)

I sent in a 2 request for the Credit bureaus to investigate inaccuracies on items on my credit report and they did. They stated everything was verified and accurate. I did thorough research myself and found inaccuracies on my report even after they did 2 investigations. 

Inaccuracies : Date opened High Credit Last Reported Date Last Active Date of Last payment payment history In accordance with the Fair Credit Reporting Act 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-10-08
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. (CA)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


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/year>
Consumer complaint received 2024-10-08
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. (IL)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2023-07-24
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.
Consumer complaint received 2024-10-08
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. (CT)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (IL)

Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 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. 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 these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Delete these items immediately BMOHARRISBK BALANCE {$2500.00}
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXBalance XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXXXXXX Balance : {$590.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-10-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (IN)

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2023-04-17
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: Experian Information Solutions Inc. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XX/XX/2023.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  opened a loan they have the wrong address it was opened under an address that wasn't even mine I have asked them for the loan papers that I have signed the address it was opened under the birth date and the amount they have yet to send me any of this information