davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (OR)

XX/XX/2023, I was involved in an auto accident while in XXXX. The other driver was at fault, which is documented in the police report. We were both insured by XXXX. I was driving a rental vehicle from XXXX group. XXXX took care of the accident as the other driver and I were fully covered. XXXX group incorrectly wrote the vehicle off, and is stating there is a balance of {$XXXX}. XXXX is stating no additional amount is owed, and this is a error of XXXX. When I had contacted XXXX, they had stated the situation had been resolved and I had nothing to be concerned about. I received a letter from a debt collector, XXXX XXXX XXXX , LLC stating they are collecting the {$XXXX} amount. I have contacted XXXX third party collision team, XXXX and they are unresponsive. XXXX is stating this is incorrect, and XXXX has incorrectly written the accident off. XXXX stated to not communicate with the debt collector, XXXX XXXX XXXX , LLC and has contacted them as well that this debt is illegitimate. XXXX XXXX XXXX , LLC is refusing to review the claim and keeps contacting me aggressively.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (CA)

I first contacted the company on XX/XX/year> about a debit transaction being cancelled. On XX/XX/year> the company replied to me, saying there was an issue with their banking partners and that they were unable to do any ACH/Wire transfers, ATM withdrawals or use my debit card. They had no further information at that time. After a week, on XX/XX/year> I messaged the company asking if there was any update on the issue, and that I really need to access my money. The company replied informing me that there was nothing they can do until the issue between XXXX and XXXX XXXX  was resolved. It has been over 3 weeks since XXXX bank has froze everyones accounts without prior notice. I dont understand how anyone can live with their money being held up in an account they cant touch.
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

On I discovered ( I.C. SYSTEM, INC ) had been re-inserted into all my XXXX credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately
Consumer complaint received 2024-06-27
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: Experian Information Solutions Inc. (NJ)

FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.

15 U.S.Code 1692a ( 3 ) 15 U.S.Code 1692c ( a ) 15 U.S. Code 1681
Consumer complaint received 2024-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/year>, I paid off a balance transfer for XXXX from my personal account. I neglected to cancel the auto-pay associated with the transfer because I was paying off the balance in full. However, Bank of America extracted the auto payment of {$600.00} on XX/XX/year> as scheduled even though the balance was XXXX. I called the bank and closed the account to stop the auto payments from occurring because all of a sudden, I was no longer able to log in to my account to do this myself?! On XX/XX/year>, I received an email from Bank of America that stated, " Your scheduled auto-pay is set for XX/XX/year> ''! 
The account is closed and was closed before XX/XX/XXXX. I am still not able to log-in to cancel the auto-pay feature which has informed me of another extraction on a XXXX balance on a closed account. 
This is 100 % White collar theft. 
I have called the phone number on the back of my card ( XXXX ) XXXX XXXX times now and have spoken to four people about this situation. I am waiting for a refund check for {$600.00} and my last 2 statements to come in the mail. I was told the auto-pay was cancelled and not to worry, until 2 days later when I received the email of the upcoming XX/XX/XXXX extraction. I am still unable to log-in to my account and it's clear to me that B of A has no integrity whatsoever
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

" I am writing to report unauthorized hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit history. These unauthorized inquiries negatively impact my credit score and financial reputation. I request an immediate investigation and removal of these inquiries as per the FCRA 's provisions for addressing inaccuracies in credit reports. '' Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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: AMERICAN EXPRESS COMPANY (GA)

1- A representative at American express informed me that I have a gold American Express XXXX since XXXX but under a different name and in another state ( i have only ever applied for any/all credit/ debit cards in only one state ( residence ) 2- I received great communication with the fraud department of American Express and was informed that i will receive more information via regular mail only. 

3- I have been dealing with several issues with the mail and failed to receive replacement cards for two other banks since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 4- I created an account with XXXX and discovered through the website that the American Express letter had been sent but my mailbox was completely empty so i filed a claim for the missing piece. 

5- There are several inaccuracies regarding both my personal information and credit card history on my credit report and I have spent endless hours trying to have the information corrected only to find the issue growing larger. 

6- On my credit report 2 completely separate bank accounts were combined as one. XXXX and XXXX  XXXX ( XXXX XXXX ). I could not make any sense of these two credit cards were opened years apart and XXXX had been closed several years ago. I also couldnt find any statements related to XXXX  XXXX so i called XXXX XXXX and XXXX and XXXX with no luck. 

7- On this day, i found that both XXXX and XXXX XXXX were entirely removed from my credit report as if they never existed. 

8- The initial reason i made all these calls before deciding to report is that i had assumed there to be some form of misunderstandings as both American Express and XXXX  XXXX had been closed as a result of my recent divorce. 

9- Macys tricked me into believing my account had been closed during a few times i went to shop there without my card but with the provided drivers license and SSN. I was told my account was closed but i knew i had paid it off so I figured it was just their decision as I had similar experience with my Rooms to go account. I later discovered that the macys account had been opened for months with recurring charges and then closed! 

10- I had been instructed that i can freeze my XXXX through a local social security office And i did exactly that and even received a confirmational email of the freeze. This happened on XX/XX/XXXX at XXXX ( I scanned the ticket number XXXX ) however the email associated with this visit was hacked and i no longer have access to it. 

Note : XXXX XXXX XXXX XXXX was closed late XXXX or early XXXX no actual information specific to this account shows on my credit report. 

XXXX claim number : XXXX
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (FL)

I am requesting debt validation, according to 15USC 1692G, I have no knowledge or contract agreement, nor provided anyone permissions to share personal information with Spring Oaks Capital LLC, I am requesting wet signature and proper verification of this debt. This debt is violating my consumer rights.

1. Send full detailed list of payment history on this account 2. I want to see original signature that I agreed to on the contract for this creditor 3. Has there been any insurance claims filed on this debt 4. I want to see the chain of title you have on this debt
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (WA)

I have a checking account with Juno. Since XX/XX/XXXX, I have not been able to make any transactions ( debits or deposits ) from my account. Juno says that they are working to resolve the issue with XXXX Bank. However, it has been almost 3 weeks since they originally notified me of the issues, and I still can not access any of my money ( it is now XX/XX/XXXX ). I have sent Juno a message requesting to close down my account and send me my remaining funds via regular mail. They have not responded to my request. I have attempted to withdraw my money into another checking account at another bank, and I am unable to do so because my Juno account is frozen. I have thousands of dollars in my Juno checking account, and I would like to have access to my money immediately.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I applied for a personal loan in XX/XX/year>. XXXX sent me an approval letter. They asked my banking information which I provided, mind you now I never applied for a loan before nor had access to any of my money or bank account. That was controlled by my ex who was an abuser. I did exactly what they told me got to the XXXX XXXX or XXXX that was near the bank, buy money cards rub off the numbers and tell them the numbers. They gave me like 45 minutes to do this. They said that this was an act of trust. I complied, after all the money was in my account. I had no idea I was being scammed until the bank took my XXXX check for the fraudulent check. I had no idea what they were talking about and they basically laughed in my face and treated me like a criminal. I told them it was my ss check I needed to pay rent. Acouple months later I received a copy of the check. It was on a target check and my signature was forged. They returned the check why didn't they go after them. {$980.00} PLUS {$20.00} RETURN CHECK. It is illegal for anybody to touch anybody Social Security check unless it's authorized by a judge I just found this out a couple months ago I want my money that was unlawfully taken from me the only thing I'm guilty of is being naive and XXXX
Consumer complaint received 2024-05-30
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. (WA)

In accordance with The Fair Credit Reporting Act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.
15 U.S.C 1681c. ( A5 ) Section states : No consumer reporting agency may make any Consumer Report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-07-09
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)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX/2023
Consumer complaint received 2024-05-30
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2023-06-22
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: 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 15USC 1681. I told the XXXX, TransUnion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate, But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681 s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2018-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

on XX/XX/XXXX I see that I have of inquiries that ive never apply before. 
Since XXXX I 'am a victim of identity theft and I contact each and one of the Credit beur to report the Fraudulent Inquiries company that requested my credit report to obtain services or credit cards that I've never apply before and I was told by Transunion that I have to make a police report I went to the police department and made the police report to Transunion and contact them by phone and by mail and their customer service would not help me or take care of the negative inquiries reporting to my credit report. that I never requested credit. 
these are the inquires that were made by someone who stolen my identity to obtain credit. 

1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13.XXXX XXXX XXXX, XXXX 14.XXXX XXXX XX/XX/XXXX 15.XXXX XX/XX/XXXX 16.XXXX XXXX XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against them if they do not validate this account. Please follow the law to resolve this matter as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

On XXXX I was denied an account with PNC BANK for no apparent reason. The failure of the PNC BANK to allow us to open an account violates the 14 th Amendment s Equal Protection Clause. The BANK has always been XXXX and biased against XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.
Consumer complaint received 2017-11-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It is so distressful to know that my credit report has inaccurate information, I'm working hard and earning my paycheck the honest way yet I see a lot of false items being reported on my credit report. It has massively impacted my life and my XXXX XXXX negatively, living in a crisis and it's hard to get by during emergencies when my credit applications can't get approved because of these.
Consumer complaint received 2024-05-30
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. (PA)

My credit report is showing several unauthorized, unverified inquiries and they are affecting me from being able to utilize my credit I need the unauthorized inquiries removed immediately. 

XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. 

Transunion : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX