davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (FL)

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need XXXX, Transunion, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Leviton Law Firm, Ltd. (OH)

I requested more information on what the debt was. The collector sent a sheet with a commission payments that I could not understand. I need more details to understand what the debt is and why the are collecting it.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

It's necessary to adhere to FCRA XXXX by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Consumer complaint received 2023-12-01
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$56000.00}
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-04
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (CT)

PNC has effectively stolen my money. I transferred money from 2 external accounts into their high-yield savings account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received notice that those external transfers were complete, and then PNC revoked access to my account saying that my banks won't release the funds. I received no fraud alerts or anything to indicate something had gone wrong. I called XXXX XXXX XXXXXXXX who said they released the funds, and the funds have been posted to my PNC account. So now my funds are not in my old accounts, and my new account will not let me access my funds. 

I was assigned a case manager, XXXX XXXX ( not sure how to spell the last name ) who left me XXXX voice mail and XXXX email. I called and emailed back. 10 days later, she still hadn't returned my calls or messages. 

My old banks can not recall the funds because they say the funds have already been released, and I can not access my funds because PNC says they haven't been released. I am trapped in a XXXX XXXX of a circular reference. 

DO NOT UNDER ANY CIRCUMSTANCES BANK WITH PNC
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America cleared a bill pay check that had a decimal error, even though I in no way had sufficient funds to cover the check. I pay XXXX to my mortgage every month. I made a decimal error, and they sent and cleared a check for {$99000.00} without contacting me. My checking account was over drafted for nearly {$100000.00}, with no contact from the bank. I went to a branch immediately, and they informed me that bill pay checks are actually like loans, and that I would now owe them {$99000.00}. At the same time, I could not access funds in my checking account. We managed to reverse that, which they said they didn't necessarily have to do. I believe this is predatory and dangerous. It is in no way clear that bill pay checks are actually loans and they can not bounce if you don't have enough to cover the check. 

Since I realized ( and feared I would lose my home ) they had this policy, I started to move my accounts to a different bank. I have been utterly unable to close my checking account. It has been 3 phone calls and 2 visits to a branch. They keep charging fees for a low balance and will not answer the phone when I call. I paid the {$22.00} to close my account in cash at the local branch, and they informed me that it is still not closed and I would have to call again. This is after I called and the rep assured me that as soon as I deposited the {$22.00} the account would close itself. I called back on Saturday to see what is going on, and they told me the correct department for that was closed and I would have to call AGAIN on Monday. I am on hold now, and it's outrageous that they make it this difficult to close an account, while charging fees constantly for having a low balance ( which I have because I don't use this bank anymore ). I don't know how the federal government allows these people to remain in business.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-19
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. (CO)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows two ( 2 ) hard credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-04-26
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. (FL)

Hello. I am writing to file this complaint because the accounts that I am reporting to be removed are still in my credit report and causing me a lot of damage. ALL OF THESE ACCOUNT ARE VIOLATING 15 USC 1681b- permissible purposes. These credit bureaus do not have a permissible purpose to report these fraudulent items on my report without my consent. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract - any accounts that you post on a credit report. In this case, I have not seen any proof provided by these bureaus so they must delete the following accounts.
Consumer complaint received 2024-01-19
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. (GA)

Several Late Payments '' which is a Transaction has been unlawfully showing on my Consumer Report since XXXX, 2020. I have made several attempts to have each of the Credit Agencies XXXX, TransUnion, and XXXX to abide by the Federal Laws and remove all violations and Identity Theft ( s ) I have found within my Consumer report that I the Original Creditor never granted them the right to do. This has caused several years of mental stress and a huge financial burden on me and my family. I have been denied credit for a new home, cars, and other extensions of my credit due to this negligence. According to the Georgia Fair Business Practices Act ( FBPA ). If a business violates the FBPA, it must provide consumer with actual damages. Additionally, if the courts finds that the business intentionally committed a violation of the law, the consumer would be entitled to three times the amount of their actual damages.

Under the Fair Credit Reporting Agencies ( FCRA ) I in Good Faith exercise my right to compensation -If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of {$1000.00} flat ( no minimum ). Per violation.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

Credit was dropped again XXXX points for no reason. There is one collection that was added but they have been informed is was on a bankruptcy XX/XX/2023. Case XXXX. XXXX has also been informed and a XXXX cease and desist order letter.
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (AL)

This debt occurred during COVID-19 in which I was laid off from my job due to the pandemic. I tried to get unemployment and rental assistance but was unable to get any. I have proof of all of this. This debt is with national credit adjusters and XXXX XXXX. I thought that I would be protected under the CARES ACT.
Consumer complaint received 2024-01-19
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. (PA)

On XXXX I got a result of dispute, and the XXXX XXXX XXXX was deleted, and on the XXXX of XXXX a new account was created on my report.
Consumer complaint received 2023-09-06
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: JPMORGAN CHASE & CO. (IL)

I called Chase Sapphire credit card repeatedly about how to get a refund. I spoke with Dispute and Customer service dept. I was told different information by every representative I spoke with and they kept transferring me to the other dept. I was told to file a dispute and cancel it once the merchant responded. Then I was told I received the refund, then I didn't receive the refund. A few weeks ago, I was told to reopen the dispute. Today, I was told I wasn't supposed to cancel the dispute and disputes can't be reopened. Also, it didn't matter that a Chase rep told me to cancel the dispute and didn't tell me the funds could no longer be refunded. 
When I contacted the merchant.They repeatedly said they sent a refund to my bank but it appears Chase will not credit the funds to my account because they don't know how after a dispute is closed. 

They also refused to contact the merchant to request a refund.
Consumer complaint received 2024-04-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AZ)

I got a loan from XXXX XXXX and it put a lien against my car. I then ended up selling the car, but in Arizona the law states that nobody can sell their car with a lien on it without paying it first. 

" The auto-title/loan business applies a lien to that particular vehicle so it cant be sold until the loan is paid. When a vehicle title has a lien, it can not be transferred to a new owner. Avoid this issue by buying in advance that vehicles XXXX XXXX XXXX at an XXXX or Third Party office. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

Here 's the hyperlink to the Arizona State Lien Law. National Credit Adjusters has been told this, I showed proof of the payoff to them and XXXX XXXX  but they refuse to remove it from my credit reports. I have tried contacting them but they refuse to speak to me, only sending emails on how much I owe and something about being sued.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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
Consumer complaint received 2024-01-19
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX XXXX
Consumer complaint received 2024-04-26
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. (PA)

please delete all the faudulent accounts and inquiries now Account Name : XXXX XXXX XXXX Balance : XXXX  Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX - XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXXXXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XXXX. XXXX, XXXX Please the following hard inquiries : Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Account Name : XXXX XXXX Balance : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Balance : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Please the following hard inquiries : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX nquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Inquiry Name : XXXX XXXX Inquiry Date : Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-05-05
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

Upon turning XXXX I checked my credit for the first time as I was denied for a starter card. When checking I saw that I had a closed account with Capital One that was effecting my XXXXredit score terribly to the point where I can not even get a secured card. I've tried to reach out to credit bureaus to no avail. I did not make the account, my personal information was used and I was a XXXX  when the account was made and its been months of fighting just trying to get this off of my credit. I'm just looking for sometime of help at this point. 

Thank You
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Consumer complaint received 2024-04-26
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: EQUIFAX, INC. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XX/XX/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