davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in XXXX XXXX XXXX ( XXXX ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23 I noticed that my Bank of America debit card was no longer working. I immediately called customer service and was told that my account was closed without any further explanation. 

After attempting to log into my online account I noticed that my account details were no longer valid. However I did have the phone number to the fraud department from a recent claim and contacted them directly. The fraud department indicated that I needed to contact the risk management department. 

After speaking with risk management they confirmed that my bank account was closed due being an " unauthorized account ''. This account has been open for over 20 years and never had any issues with payments/deposits/etc. 

After I explained that their claim did not make sense I was told that risk management suspected " identity theft '' and I was asked to step into a local Bank of America branch to verify my identity. 

After visiting a local branch ( along with my mother and father ) and verifying my identity the account manager attempted to contact risk management in order to submit a cease of closure request as originally instructed. 

However when the account manager called risk management they were told that we could not submit a cease of closure request and the account had been scheduled for closure. 

Bank of America purposely misled me and has now refused to send the remaining funds ( approximately {$68000.00} ) which violates local and federal banking regulations in addition to multiple consumer protection laws. 

Furthermore Bank of America has blatantly refused to dispute an unauthorized charge for {$10000.00} on XX/XX/XXXX via my debit card which is a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Per the Bank of America user agreement account holders are not responsible for transactions that are unauthorized and/or fraudulent.
Consumer complaint received 2024-05-24
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 2023-04-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (FL)

Company contacted my sister stating that they were trying to contact me regarding legal documents needing to be delivered on XXXX. I contacted the company and provided a reference number. I spoke to a representative whonstated that the attorney that was handling my case was in a meeting & gave her permission to give me information. She stated that yhey are an attorneys office ( Mcdonell & associates ) & they have filed a lawsuit against me which I will have to go to court or settle the payment. They emailed two documents to sign. The second document stated that THEY ARE A DEBT COLLECTOR.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (PR)

I called to apply to an emergency loan of {$1000.00} that the XXXX XXXX XXXX have advertised and I can't process it in their online webpage as other applicants. I then wrote y XXXX XXXX and sent the application submitted that in the first attempt gave me an error, I believed that they are making physiching with the people that visit their webpage but I applied again. Then I received calls of the institution and received an email of the manager requesting me application documents, I sent and never told me neither notified me that the emergency loan was denied. I checked my XXXX credit report and saw their institution listed on my inquiries they denied the loan based on my credit report during a pandemic disaster. I am a natural declared disaster and declared disaster survivor and my credit reports were impacted because the banking institutions making unauthorized charges after closed accounts in the middle of the disasters and did not provide me any payment arrangements neither moratorium, I make several disputes and submitted statements but the institution used my credit report to denied my loan. They are not approved my loan in less favorable terms than other applicants, in discriminated actions against me.
Consumer complaint received 2024-06-21
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. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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 XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$770.00} XXXX XXXX XXXX Balance {$590.00}
Consumer complaint received 2024-05-23
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)

Recently I looked at a copy of my credit report because I need to rent an aparmet for move with my family and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-05-24
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 am writing to address an error on my credit report, which was inaccurately processed by XXXX. The bank failed to send statements due to a very small balance. Upon identifying this issue, I promptly contacted XXXX to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. It is imperative that this correction be made on my credit report to ensure the accuracy of my financial standing. I kindly request that you update this information accordingly to reflect the correct payment status. 

XXXX XXXX
Consumer complaint received 2024-05-23
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. (NC)

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 2 out of 3 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.
Consumer complaint received 2023-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX/ ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-27
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: EQUIFAX, INC. (GA)

The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : 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 2023-10-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

To whom it may concern, My name is XXXX XXXX I live in XXXX XXXX, on the day of XX/XX/XXXX I rented a car because I miss my flight to XXXX, I use XXXX party app like XXXX to book a car it was {$18.00} per day and I bought a insurance thru price line time off rental no one said anything to me that car rental is only same state which is Florida and after they have seen my License is From XXXX XXXX when I got to XXXX merchant name XXXX XXXX XXXX They ask me to bring the car back to Florida I can not do that because I had to work, to make it easier I assist that I will drop this car at the airport and they can find a way to pick it up they refuse to pick the car up now its a day XXXX I left the car at my work I told them where is the car and Car Have a XXXX DEVICE so they know where is the car located it took them 1 month to pick the car up which is not my fault I am diabetic I have take insulin my work and my illness I can not able XXXX XXXX XXXX + hour to XXXX XXXXXXXX XXXX. On the day of XX/XX/2023 I got charged into my credit card for {$6100.00} I call capital one on that same day when I saw the change for XXXX I panic where this coming from my Credit limit is only {$500.00} And capital one let this happen and now they want me to pay this amount I have a job that I am making {$12.00} I can barely have food to eat after paying the rent I tried everything to ask capital one to dispute and they are not helping me at all I work so hard to built my credit I need help please help me this is why I am reaching out to consumers department because I need your help please..
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this on my credit report
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. (NV)

NO ACTION TAKEN PER. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT.

( A ) credit or insurance to be used primarily for personal, family, or household purposes. ( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

I SUMITTED MULTIPLE DISPUTES COMPANY REFUSE TO REMOVE EVEN AFTER UPLOAIDING EVIDENCE PER IRS TRANSCRIPT
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (MO)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$24000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-23
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 my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Prince Parker & Associates (WI)

PRINCE PARKER AND ASSOCA Reported : XXXX XXXX, 2023 {$4600.00} This companys are reporting that I owe them those balances. 

I need the audit trial of the balance. 
Also I need them to provide me with the agreement that grants them to collect this allege debt. 
Also provide with the master bill of sale
Consumer complaint received 2024-01-24
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. (MD)

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. 

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
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)

In accordance with the Fair Credit Reporting act, 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 has reasonable cause to believe that the information is inaccurate. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX Account number : XXXX you have this account as closed with a balance of {$2000.00} but this account is fully paid-off and balance on it should be {$00.00}
Consumer complaint received 2024-05-23
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. (GA)

I am writing to dispute the reinsertion of previously deleted information on my credit report, specifically pertaining to an account with XXXX XXXXXXXX XXXX. This reinsertion is in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ). 

Background : Last four of my social is XXXX Account in Question : XXXX XXXX XXXXXXXX XXXX Account Number : [ Account Number ] Date of Original Deletion : XX/XX/year> Date of Reinsertion : XX/XX/year> Credit Report Reference : Transunion Violation of FCRA : According to Section 611 ( a ) ( 5 ) ( B ) of the FCRA , if a credit reporting agency ( CRA ) reinserts previously deleted information, it must adhere to the following requirements : Certification from Furnisher : The CRA must receive certification from the furnisher of the information that the item is complete and accurate.

Notification to Consumer : The CRA must notify the consumer within five business days of reinsertion.

To date, I have not received any notification from your agency regarding the reinsertion of this account information. Furthermore, I question whether proper certification from XXXX XXXXXXXX XXXX was obtained prior to this reinsertion.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 2023-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

HSN I got a credit for hsn from synchoy Bank and they closed my account for no reason, I make payments on time and it was a brand new account they did this with my world wide pay pal credit card account after I paid in full.
Consumer complaint received 2023-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (AL)

I filed a complaint yesterday on XX/XX/XXXX. The company responded immediately, and stated that the collection would be removed from my credit bureaus! Instead of deleting the information. This same company added it to my other credit bureaus! 
Now, as of today XX/XX/XXXX my credit has dropped due to Inaccurate information, and that National Recovery Agency said they would REMOVE! 
Also, this account was removed in XXXX, and just reappeared a year later
Consumer complaint received 2024-05-21
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. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

First and foremost, I have constantly disputed this debt. XXXX XXXX XXXX XXXX continues to call and leave voicemail messages on both my personal phone and work phone numbers. Because they call BOTH NUMBERS, that is a total of 10-12 calls per week which is in violation of the 777 Rule for regulation F Section 1006.14B21A which restricts agencies to contacting a consumer seven times within seven consecutive days. 

Secondly, every since XXXX, XXXX started harassing me about this debt, I noticed the year on the 1 " statement '' they sent was dated XXXX. Now, the same statement was " re aged '' to XXXX which is illegal. I NEVER made a payment to this collection agency because it is not mine.