davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (FL)

XXXX XXXX XXXX is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX XXXX XXXX XXXX classified as " XXXX XXXX XXXX XXXX' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

FOR THE PAST FEW YEARS NOW I HAVE BEEN NOTICING FRAUDLENT ACCOUNTS AND INQUIRES ON MY CREDIT. WHEN REPORTING THE FRAUDLENT ACCOUNTS ON FTC WEBSITE IT STATES THAT PER 605B THE ACCOUNTS AND INQUIRES NEED TO BE BLOCKED.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2023 I was charged in error by XXXX for {$47.00} because of this charge i incurred ( XXXX ) overdraft fees of {$10.00} each. I called the merchant and explained the error and they credited my account. I spoke with a BOA rep who told me he could not reverse my fees. I would never have incurred without the {$47.00} charge.
Consumer complaint received 2024-04-15
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. (MS)

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-27
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. (TX)

I sent multiple dispute letters to your company, but I am still seeing the same inaccurate information on my credit report. According to the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not reporting 100 % accurate information.

I am attaching copies of all the letters I previously sent.

You need to remove this inaccurate information from my credit report immediately.
Consumer complaint received 2024-06-10
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. (NY)

I am submitting this complaint myself and there is no third party involved. This account isinaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please help me investigate properly and correct it from my personal credit file XXXX XXXX XXXX Balance Owed : {$430.00}.
Consumer complaint received 2024-06-09
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. (NY)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX TransUnion : XXXX, Account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-10
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2024-06-08
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. (TX)

On XX/XX/year> I disputed account " XXXX XXXX XXXX " Account number : XXXX Dispute file number XXXX via XXXX XXXX proof attached below. It has been over 80 days without any follow up. per FCRA 611 ( a ) I should have been contacted by now with proof of account and my written approval to be placed on my credit report.
Consumer complaint received 2024-06-10
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)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-10
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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-10
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. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am reaching out to contest the presence of this bankruptcy on my credit report. This issue is deeply troubling, especially considering I have a court letter explicitly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party only exacerbates the absurdity of this situation.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH cXXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Duplicate Account numbers, delinquent payments, account shows closed and discharged in XXXX XXXX, incorrect open and close dates. I have 5 accounts with XXXX XXXX and all of which are in good standing.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (CT)

I notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to XXXX. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with XXXX first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.
Consumer complaint received 2024-06-10
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-09
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. (FL)

XXXX XXXX XXXX  is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX % XXXXXXXX XXXX  classified as " XXXX XXXX XXXX  '' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXX, " XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (MD)

I was originally contacted by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, OR XXXX ) on XXXX XXXX concerning a traffic violation in XXXX, XXXX on XXXX XXXX. I wrote them on XX/XX/XXXX that I was disputing the debt under the Fair Debt Collections Practices Act as I was in the United States, not XXXX, on XX/XX/XXXX. I was then informed that there were 6 tickets, 4 on XX/XX/XXXX and 2 on XX/XX/XXXX. In response I requested in a XXXX XXXX that they ask the XXXX authorities to waive the 4 XX/XX/XXXX tickets as I was not in XXXX at that time and to waive the late penalties on the XXXX XXXX tickets as I was not given the opportunity to pay them earlier. As evidence I provided my flight info showing I was not in XXXX on XX/XX/XXXX and a letter from XXXX rent-a-car indicating my rental commenced on XX/XX/XXXX. I never heard back from XXXX XXXX after that. 
On XX/XX/XXXX I was texted by Cedar Business Services ( XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX CA XXXX. Requesting payment on the above mentioned 6 tickets. On XX/XX/XXXX I called and spoke to XXXX XXXX at Cedar and explained I was not in XXXX and not responsible for the 4 tickets from XX/XX/XXXX but went ahead and paid the two XX/XX/XXXX tickets, which now had even larger late fees. I also emailed XXXX XXXX the flight and rent-a-car info referenced above as evidence I was not in XXXX or responsible for the XX/XX/XXXX tickets. Despite paying the XX/XX/XXXX tickets and providing evidence I was not responsible for the XX/XX/XXXX tickets Cedar Business Services continued to text me on XX/XX/XXXX and XX/XX/XXXX requesting payment for the XX/XX/XXXX tickets even though they were provided with documentary evidence on XX/XX/XXXX.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in XXXX of XXXX bank of American sent my card to the wrong address and somebody was able to steal my money, they did this 2 times in a row. 
my account was locked for 18 months and in XX/XX/XXXX i was finally able to unlock it and file a claim for the money stolen and i was able to request a new card. 2 weeks later after calling everyday and being instructed to wait and wait some more being denied another card, after this my account was locked again. my claim was denied because it took too long for me to file the claim " although they would not allow me to file until my card was unlocked '' but my claim was denied. i had around XXXX on my card. now in XX/XX/XXXX they refuse to close my account, issue me a check, refuse to allow me to file a claim for my missing funds, refuse to send me a new card. they wont do nothing and im stuck in a hard ship for 18 months now because of this. also they keep sending me letters in the mail and emails to my email account requesting that i call in to take care of the block that is on my account. when i call they say other wise. when i ask them in writing, and email also over the phone to stop sending me these letters and emails, the refuse to help me.
Consumer complaint received 2023-10-27
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: U.S. BANCORP (PA)

I disputed additional charges to my Philadelphia Federal Credit Union credit card for a stay at XXXX XXXX from XX/XX/23 - XX/XX/23 for {$130.00} and {$210.00}. 

The credit card bank resolved my dispute in favor of the merchant without verifying if this documentation they sent as proof was valid. The merchant states on their documentation Booking.com. I did not reserve my stay through XXXX. I made my reservation in their website. 

After explaining this to 2 representatives at the credit card bank, I received a call from the supervisor. The supervisor was very unprofessional and yelled at me during the call. I was treated unfairly as a customer. She then said her team made a mistake when they told me that the merchant used XXXX to confirm the charges and when they sent a print out showing the merchant stated booking.com on the receipt. 

If this was a mistake, how did the credit hard bank get the receipt with booking.com on it and mail it to me? I dont think they wouldve made it up. 

You will see the original receipt for my payment in full prior to staying at XXXX XXXX. You can see the difference in pricing. XXXX used my signature from when I arrived on XX/XX/23 to look like I agreed to the additional charges. If you notice, there is no signature for XX/XX/23 when I checked out. 

Also, there is no date stamp to show when their documents were printed. Only the dates from their booking system that they can change at any time. However, there is a date stamp on my documents from the printer.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-18
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. (VA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

I'm a female small business owner and Chase Bank is charging additional fees for any check that I write above their new minimum of 20 checks only. Chase Bank is trying to hurt small businesses by charging us extra fees for what should be part of a simple banking product. We are trying to get back on our feet through Harvey Floods and Covid. Who decides to change these policies and charge us extra fees when its a daily business necessity? I have contacted Chase twice and had these fees removed, but I was told that eventually I'll have to pay them. 

I appreciate any help you can give small business owners regarding big banking fees.