davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to follow up on my numerous previous communications regarding the fraudulent items that have appeared on my credit file. Despite my repeated attempts to address this issue, the fraudulent items remain unresolved. The persistence of these unauthorized transactions on my credit file is a serious concern that has yet to be adequately addressed. The presence of these fraudulent items is not only compromising my financial security but also significantly affecting my creditworthiness. The lack of resolution after multiple attempts to rectify this situation is unacceptable and has caused me considerable stress, inconvenience, and potential financial harm. If this matter is not addressed promptly, I will be forced to escalate my complaint to relevant regulatory authorities and consider legal options to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2800.00} 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NY)

I called today to close my checking and savings account with PNC bank. The representative, without my permission, unilaterally transferred the XXXX XXXX  remaining in my savings to my checking account. The balance of the checking account is almost {$1500.00}. After making this unauthorized transfer, the PNC computer system would not allow immediate closure of my primary checking account which means I will have to call back another time to do so, AND there will be a considerable delay in me receiving my funds which will in turn cost me the interest that money would earn in another account.
Consumer complaint received 2023-09-16
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. (IL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in XXXX Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Transunion and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. 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 XXXX 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 The 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 XXXX. 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 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

I am a XXXX, XXXX  and XXXX XXXX of XXXX XXXX XXXX XXXX. On XX/XX/2023, I opened a business account with Chase Bank at the XXXX branch in XXXX  and deposited a check from a business client for approximately {$70000.00}. The check was accepted by Chase. But the following day I received an electronic email from Chase stating my account was restricted due to a check deposit. I immediately went to the bank branch where I opened and saw the branch manager in order to resolve this matter. I was told to provide a phone number for the business that issued the check, which I did but I was told that the number provided could not be verified by Chase in their system. First Chase keeps telling me that they need to verify if the check is valid but they check was paid by the issuing bank and they business that paid me the check has never disputed that the check was fraudulent or filed a claim dispute saying that the check was not valid. And more over the funds where made available but the funds were held. I have been to the branch several times to and provided Chase with what the requested to have my fund released and sent to me. This matter has been going on for over seven months and it's has put my business and income at risk due to Chase putting undue burden on me in order to release my funds. Please I need help in resolving this issue because has been holding my funds hostage.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp. (IL)

On XX/XX/2023 True Accord Corp added a derogatory mark on my credit report ( XXXX and XXXX ) per experian. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, True Accord Corp has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just checked and reviewed again my XXXX, Experian and XXXX credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-25
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)

THERE are TWO finacial contracts on the same vehicle with the same vn number make and model different prices under my name although I only executed on one and I am paying for both. The infromation is attached. 

The Car has been vandalized and broken in to severla times while in XXXX I feel as a result I am requesting the XXXX removes the car information from my credit report immediately and I am seeking arbitration for financial remedy and that the car is no longer being reported as financial responsibility because of fraud
Consumer complaint received 2023-12-18
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. (NC)

According to the Family educational rights and privacy act ( FERPA ) and under 20 USC 1232 ( g ) ( b ) this agency is not permitted to under ( FERPA ) to have access educational records. When I enrolled in school I also signed a Privacy Act form that said the school will not provide my transaction history, which would be defined as what I owe, to any 3rd party companies. Per the FCRA and as federally protected consumer I demanded my student loans be removed under 20 USC 1232g ( b ) and under 5 USC 552a The Privacy Act of 1974. This a repeated attempt to remove this information from my consumer report.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 U.S.C 1681. 
XXXX XXXX acct. num. XXXX XXXX XXXX acct. num. XXXX amount {$2800.00} XXXX XXXX acct. num. XXXX amount {$420.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$860.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$750.00} date XX/XX/XXXX XXXX XXXX acct. num. XXXX amount {$100.00} XXXX acct. num. XXXX amount {$11000.00} XXXX XXXX acct. num. XXXX amount {$690.00} date XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$14000.00} date XX/XX/XXXX XXXX XXXX XXXX acct. num. XXXX amount date {$2300.00} XXXX XXXX acct. num. XXXX amount {$350.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$22000.00} date XX/XX/XXXX USDOEXXXX acct. num. XXXX amount {$10000.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$710.00} date XX/XX/XXXX XXXX acct. num. XXXX amount {$180.00} XXXX acct. num. XXXX amount {$790.00} XXXX acct. num. XXXX amount {$440.00} XXXX XXXX acct. num. XXXX amount {$340.00} XXXX acct. num. XXXX amount {$440.00} has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-06
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: DISCOVER BANK (NC)

I recently looked at my credit and it showed on my hard inquiries and I was seeing that It showed, I've been that was charged off with two off my hard inquiries and still listed as a hard inquiries which effects my credit score. My Dispute is that those that are listed up to be took off that are listed as charged off. It is against the law to flip another lien on another company or still have it up on my credit score still effecting it if it's listed as charged off. I would like Discover Bank Credit Card -Shows That it was charged and wriiten off in the year 2024. The other one is XXXXXXXX XXXX XXXX  says it was closed XXXX was the amount in the same yeaXXXX XXXX
Consumer complaint received 2023-12-01
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I was using XXXX XXXX connection from XX/XX/XXXX. XXXX day, I visited the XXXX XXXX XXXX XXXX and saw an amazing offer for a mobile connection if you buy XXXX connections. I decided to go with the offer. They created my profile in their system ( XX/XX/XXXX ) and issued the XXXX card. After checking my wife 's phone, they said her XXXX was not compatible and the XXXX card would not work. They offered to trade in the phone for her, but I was not ready to upgrade at the time. Since only XXXX phone was compatible, I told them I did not want the service. However, they had already issued XXXX SIM card to me, and they told me that if I did not insert the XXXX card and port from XXXX, it would be deactivated after XXXX days. I asked them if they would charge me anything for the XXXX card, and the store representative said that no, I would not be charged. A month or XXXX later, I received a letter saying that I had an outstanding balance, and I was surprised why they charged me for XXXX connections. I went to XXXX for help, but they did not support me and asked me to call customer care. I told them my story, and they said that since I had taken the XXXX card, I had to pay. However, I had never activated the service, and they were still sending me invoices. After multiple calls with customer care and the billing department, they settled the amount, and my account showed a balance of {$0.00}. 
XXXX to XXXX months later XX/XX/XXXX, I received a letter from the Credit Collection Service with the following details : File Number XXXX XXXX XXXX Pin XXXX Site Name : www.ccspayment.com Creditor : XXXX  XXXX  Upon receiving the letter, XXXX contacted XXXX  's customer care, but they were unable to locate any records related to the issue since it had already been resolved. 
I consulted with some friends, and they informed me that I had likely received a fraudulent mail. After conducting a XXXX search, I discovered that the website mentioned in the email was indeed fraudulent. Consequently, I disregarded the mail, which I had received twice in XX/XX/XXXX. 
Yesterday, I noticed a decline in my credit score and discovered an entry for derogatory marks and collections ( XXXX XXXX XXXX {$200.00} ) opened on XX/XX/XXXX, in my XXXX XXXX report. 
Unsure of the appropriate course of action, I resorted to filing a complaint on this website after conducting a XXXX search.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

XX/XX/XXXX i requested Verification of the debt, including a complete breakdown of the debt amount, including any interest, fees, all payments made or other charges claimed, and proof that the original creditor had the legal right to sell a debt they claim i owe. 

On XX/XX/XXXX i get a response that did not provide any information to what i requested This was my second attempt for verification of debt from LVNV and they still havce not provided any proof. Meanwhile they continue to report this claim to the major credit bureaus causing significant damage to my credit rating
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (WA)

I received my XX/XX/XXXXXXXX  statement and paid it. 
In XXXX I received a text form someone at my previous address saying US Bank had left a message on the answering machine and I should call them. I had also received an email so on XX/XX/XXXX I called the # on the email. I told them I had not received any bills and I needed a bill so I could figure out what was going on. They ordered statements. 
Two weeks later I called back, was told it could take up to a month to get statements. 
Waited a month, called XXXX had just reordered statements, XX/XX/XXXX. verified address told me what the charges were for Called you guys and was suggested I check my credit report. I checked XXXX and all was good except US Bank which potentially deleterious. also included the address of XXXX XXXX XXXX. My credit score had been over XXXX and fell to XXXX it is now at XXXX. 
Waited another month called XXXX asked for statements for this year only, asked what address they had for me and was told XXXX XXXX XXXX, the correct address is XXXX XXXX XXXX I asked who do I talk to to settle because they had the wrong address. The agent said it was him but would only say so you want to settle in full. I asked about goodwill adjustment and was told they did not do that. 
Called XXXX reoreded this years statements, address was changed to the correct address but now have no evidence they were using the wrong address, didn't seem to matter that I had not received 4 months of bills
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681a 603 ( d ) - Consumer Report Exclusions. Based on 15 U.S.C. 1681a 603 ( d ) ( 2 ) ( A ) ( i ), the FCRA explicitly excludes from the definition of a " consumer report '' any information that relates solely to transactions or experiences between the consumer and the person making the report. The information, including the reported late payment, falls within this exclusion and should not be considered as part of my consumer report. 
Additionally, this information meets the definition of non-public personal information under the Privacy of Consumer Financial Information regulations and sharing of this information is restricted under the Gramm-Leach-Bliley Act.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, I opened a Chase Total Checking account and Chase Saving account under a {$900.00} promotion offer.

The qualifications for the bonus are : Get {$300.00} for opening a Chase Total Checking account and set up direct deposit. 
Get {$200.00} for opening a Chase Saving account and deposit {$15000.00} or more and maintain it for 90 days. 
Get an extra {$400.00} bonus for opening BOTH Total Checking and Saving account. 

I do have screenshot of the bonus requirement and I am attaching it to the case file for reference. 

I have deposited $ XXXX into the saving account and have a direct deposit from my company on XX/XX/XXXX into the checking account. After 90 days, I have received only {$200.00} bonus ( on XX/XX/XXXX ) for the saving account and not the other {$300.00} ( checking bonus ) + {$400.00} bonus ( for opening both account ). 

I have made an inquiry regarding the missing bonus via chase secure message on XX/XX/XXXX and was asked to provide my paystub for the XX/XX/XXXX checking account direct deposit which I submitted on XX/XX/XXXX. I didn't hear back from XXXX after a week and I submitted another inquiry on XX/XX/XXXX and this time Chase replied saying that I am ineligible to receive the checking account bonus which I disagree as I have satisfied the bonus requirement and therefore I am filling a complaint here in the hope that Chase will correct the issue. Thanks for your assistance.
Consumer complaint received 2024-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

WESTLAKE FINANCIAL SVC Date opened XX/XX/2022 Balanced - {$24000.00} XXXX reached out to them with the number provided on credit report they are basically stating that some one opened up some type of loan that i have no knowledge or given authorization for this to be appearing on my credit report