davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
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. (KY)

XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Today, the Consumer Financial Protection Bureau ( CFPB ) ordered Bank of America to pay more than {$100.00} XXXX to customers for systematically double-dipping on fees imposed on customers with insufficient funds in their account, withholding reward bonuses explicitly promised to credit card customers, and misappropriating sensitive personal information to open accounts without customer knowledge or authorization. The Office of the Comptroller of the Currency ( OCC ) also found that the banks double-dipping on fees was illegal. Bank of America will pay a total of {$90.00} XXXX in penalties to the CFPB and {$60.00} XXXX in penalties to the OCC. 

Bank of America wrongfully withheld credit card rewards, double-dipped on fees, and opened accounts without consent, said CFPB Director Rohit Chopra . These practices are illegal and undermine customer trust. The CFPB will be putting an end to these practices across the banking system.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-12-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

XX/XX/2023 I was deposited my XXXX check. At XXXXXXXX XXXX I recieved a notification my balance was below {$20.00}. I dont see message until I woke up at XXXX. I checked my on line account w Direct Express. There was a withdrawal of {$1000.00} from a XXXX XXXX in Texas and a {$570.00} withdrawal from a XXXX XXXX XXXXXXXX. I called the bank only to be told my address wasnt the one on file. Sent to fraud dept. I checked my account on the app and the address was to XXXX. She said a card was expedited to this address XX/XX/XXXX for {$13.00}. The lady on the phone did credit me for this charge. I dont go to XXXX and I never been to Texas XXXX She said they will have to send me a letter by mail to verify my information and to make sure its me. But someone was able to get my information and get a whole new card sent to a completely different address. That was my entire XXXX check. All my bills need to be paid. Direct have no security in place for their customers. I have already called XXXX and had my XXXX check sent to my other account. Direct express said it could be up to 45 to investigate this claim. Im devastated in this situation. I just cant believe this company and the way they dont protect our money. None of my credit cards have this lack of professionalism. Direct express could care less about me or my missing money. I was on the phone holding for XXXX Maybe 10 minutes of that I actually spoke with someone. Please help me and others from this company.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 I made a withdrawal from the XXXX Bank ATM at XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not guard my input of XXXX XXXX card number into the ATM. After the transaction, while I was sitting in my car, I put my debit card in my lap. Evidently, trying to distract me, a XXXX  came to my passenger window and offered me {$20.00}. I lowered my XXXX front windows and said, " The money isn't mine. '' While I was distracted by the XXXX XXXX, a XXXX XXXX evidently took my card through the driver 's side window. I left the premises for home. Once there, I realized I did not have my debit card. 
I immediately called the Chase fraud line and explained the above circumstances. I was told to destroy my debit card and another would be issued by Chase. I was also told to call the nearest police station. The next day, XXXX XXXX, I filed a theft report with the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, La XXXX, CA XXXX. {$1900.00} dollars had been withdrawn from my XXXX checking acct. 
XXXX concluded : I " authorized the use of my debit card and XXXX  number. '' I said, " I did not. The thieves must have seen me put my number into the ATM. '' XXXX countered that and refused to look at the XXXX footage that would have captured the theft.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (SC)

On XX/XX/23 I received a copy of my consumer report from XXXX indicating that I had a new collection appear on my report. Transworld Systems Inc XXXX this account dropped my credit score and I was confused to how such a thing could happen when in fact I have never owed any debt with this collection agency. I requested an immediate investigation in which I requested verification and validation of compliant reporting in the form of a notarized statement by someone with original knowledge of the debt, attesting that it was legally incurred, not used as a profit-loss tax deduction during the payable period, and not claimed as a loss with any insuring entity during the payable period. I request proof of any and all claims.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC. (GA)

Identified companies, Equifax, XXXX, XXXX, XXXX, et al, affiliates have stolen and possessed my personal credit card information ( social security information ) 15 usc 1602 ; 15 usc 1692c. Companies have shared my stolen credit card information with affiliates, absent my knowledge, permission and/or consent. I have submitted opt out contract letters to resolve, demanded specific verifications, and demanded four day block per 15 usc 1681c-2. Companies have failed and/or refused to comply and continue to violate federal laws and directives.
Consumer complaint received 2023-09-21
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 162XXXX. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-21
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. (NJ)

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureaus ) that you report to. 

XX/XX/XXXX
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Took out a loan from XXXX in XXXX, I was late, discover bought the loan, XXXX no longer has a student loan division. I paid off the loan in XXXX with XXXX. XXXX is still reporting it as derogatory and no one at XXXX can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of XXXX student loans now. But they have no record on me. Help!!!
Consumer complaint received 2023-09-21
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)

First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit car information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last-time error on my part, and I ensure that this does not happen again. I would really appreciate if you would Kindly understand my situation and excuse me for late payments ) .Im asking these companies listed below for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureaus ) that you report to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX Accouunt Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2024-06-16
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. (GA)

XXXX Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OPTUM BANK, INC. (TX)

Opum ( XXXX XXXX ) harassing me all of a sudden after XXXX years without no billing notification, mail or email notification telling me I owe {$100.00} in medical bills. XX/XX/22 and XX/XX/22 Optum XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, PA XXXX Billing Office : XXXX This is unjust billing practices after XXXX years without notification that these debt collectors are harassing me that I owe them. I didn't have any chance to file a complaint at the time of service, I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature. I am filing a complaint, I would like this to stop.
Consumer complaint received 2023-12-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC (TX)

( See previous open case ). Speedy Cash was included in a Bankruptcy I filed in XXXX. Since then apparently they SOLD my information to a collection agency to whom reported on my Consumer Credit report who claimed I opened an account in XXXX of XXXX, which is FALSE and added a collection item to my credit report. I have repeatedly disputed this to no avail. 
I have attached a copy of my bankruptcy documents. I demand that they delete this from my credit report immediately. In addition, I am requesting for monetary compensation ten times the amount they claim I owe due to damage to my credit this has caused. This has tarnished my credit worthiness since.
Consumer complaint received 2024-06-16
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. (KY)

XXXX XXXXXXXX XXXX XXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX XXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY FINANCE CORP (SC)

In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-16
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. (GA)

XXXX XXXX XXXX XXXXXXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, at the XXXX ATM on XXXX XXXX ( at XXXX XXXX ) in XXXX, I tried to access my checking account two times with no result. The first try was for {$200.00}. The second try was for {$300.00}. I tried a third time successfully and received {$300.00}. At the time I did not expect any deductions for the first and second try as I had not accessed any cash. I didn't know there was a problem until I checked my account days later. On XX/XX/XXXX, I called customer service. They said they would reverse the withdrawal and they did. On XX/XX/XXXX, I noticed the {$200.00} and {$300.00} were showing as withdrawals. I called customer service again but got no explanation other than, " That's what the record shows. '' On XX/XX/XXXX, I went to the bank in person and told the teller that I money I never got out was taken from my account. He said, " That machine has been giving us issues lately, '' and directed me to the branch manager " XXXX '' ( XXXX XXXX XXXX ). XXXX XXXX called customer service and repeated the same " that's what the record shows ''. I asked him to check the camera footage. He totally dismissed me. On XX/XX/XXXX, I gave XXXX XXXX with the XXXX Police Department the information. He left me a voice message saying he contacted XXXX XXXX, a XXXX XXXX, who said he would call me. I never heard from him. On XX/XX/XXXX, I went back to XXXX and asked for XXXX XXXX, but the manager I'd spoken with before, XXXX XXXX, denied knowing XXXX XXXX. The same day I went to the XXXX Police to ask for a copy of the incident report which took about XXXX days to obtain. It is attached.