davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The Credit Buruea keeping reporting inaccurate information on my credit report about this account down below is the letter i sent them but still saying they verified the account when it hasnot been updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX @ Experian Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding XXXX XXXX XXXX XXXX Account Dear Experian Consumer Assistance, I am writing to formally dispute the information on my credit report related to the XXXX XXXX XXXX XXXX account. The account is currently listed as closed with a balance of {$7300.00}, and it is negatively impacting my credit score. 

I have several concerns regarding this account : 1. **Inaccuracy of Reporting : ** The XXXX XXXX XXXX XXXX account is inaccurately reported as active, even though it was closed. The status of " Account charged off '' with a past due amount of {$7300.00} is incorrect, as this account should have been closed in XX/XX/XXXX. 

2. **Dispute Status : ** Despite my previous disputes, the information remains unchanged. The completion of investigations indicates a persistent disagreement, and I request a thorough reevaluation of the reported details. 

3. **Violations of Fair Credit Reporting Act ( FCRA ) : ** I am aware of my rights under the FCRA , and it appears that the reporting of this account may be in violation of the Act. The inaccurate reporting has caused me financial harm, and I intend to use every consumer protection law available to rectify this situation. 

I kindly request a prompt and thorough investigation into this matter. Please provide me with the results of your investigation and any actions taken to correct the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 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 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a payroll check on the evening of XX/XX/XXXX ( Friday ). Bank of America has typically been open on Saturday 's, and I figured I could stop by the bank to deposit the check and request {$100.00} back so that I could purchase groceries. 

Turns out many of the Bank of America branches in my area are closed on XXXX, unbeknownst to me. As a result, I deposited a {$3000.00} check into the ATM. Traditionally, I am able to take cash from the deposit, but since the branches are closed I wasn't given the opportunity to ask. 

I understand that moving into an automated and AI driven customer service engine helps save on payroll expenses, but it leaves circumstances like mine in a " tough luck '' situation, which I believe is unacceptable, especially for a financial institution that was given BILLIONS of tax payer dollars a decade ago. 

I would love to see a change in how banks handle check deposits, especially when it relates to special circumstances like mine. There will undoubtedly be more people in my situation as we move into XXXX, and it would be helpful to know that every once in a while a financial institution thinks about its customers rather than its profits.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

OPT OUT OF ARBITRATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nd terrace XXXX XXXX XXXX FL XXXX Experian XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : Arbitration Opt-Out XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I recently purchased a copy of my credit report, please use this letter as confirmation that I hereby Opt-Out and do not wish to resolve disputes with ( XXXX, Experian, or XXXX ) through arbitration. 
Again, I reject the arbitration clause in the ( XXXX, Experian, or XXXX ) interactive service agreement. 
Thank you for noting my account. 
Sincerely, Your Name
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SEE ATTACHED In accordance with the Fair Credit Reporting Act The list of account below has violate me federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. HOW WAS THIS INFORMATION VERIFIED AND/OR DISCLOSED, ON WHAT DAY AND BY WHO? 15 USC section 602A states i have a right to privacy. 15 USC section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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. 

I ONLY have one name XXXX XXXX XXXX, XXXX phone number XXXX, and XXXX employer- United States Postal Service XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX XXXX ( XXXX ) XXXX traded in my XXXX and sold me a lemon with 4 balled tires, no sensors and I took it in to XXXX XXXX ( XXXX ) XXXX who harassed me for {$300.00} for a spare key. 

XXXX XXXX XXXX my landlord I watched steal the key and called 911. I had XXXX my car insurance tow the car back on the lot on camera and XXXX XXXX XXXX refused to remove off my credit report. 

The brakes didnt work, the car didnt drive at all. I removed my tags and called XXXX XXXX police to gain access due to the fact it was a Saturday morning and the arm would not lift for the tow truck driver.
Consumer complaint received 2023-08-25
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. (LA)

My name is XXXX 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXXXXXX XXXX XXXXXXXX # XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

in accordance with the fair privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my right 15 u.s.c 1681 section 602 A. states i have to privacy. 15u.s, c 1681 section 604 section2 it also states a comsumer reporting agency can not furnish account without my writting instruction.
Consumer complaint received 2023-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

Transworld Systems Inc. is trying to collect on a debt for XXXX XXXX. I used to live at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX, CA and I moved out in XX/XX/XXXX. Initially, XXXX had tried to charge me for the cable boxes but I proved I returned them and paid my balance in full in XX/XX/XXXX. In XX/XX/XXXX, Transworld Systems has tried to collect the debt by phone from a number that does not verify who they are and because I was a victim of identity theft multiple times I wouldn't give them my date of birth, address or the last 4 of my social security number unless they told me what they had and I would verify if it was correct or not. Initially, they would refuse and I refused to give them my personal information. My response was always to send me correspondence through the mail and I would call them back after I received it. I never got the correspondence probably because I hadn't lived at that address for almost 3 years and my mail forwarding from the post office had long expired. After numerous harassing calls from them, I finally agreed to give them partial information based on the understanding that if I provided the correct information they would tell me why they were harassing me. Once they told me that XXXX XXXX said I owed them money I informed the lady to call me back next week and in the interim, I would go to the XXXX office that I returned my equipment to and straighten everything out. When I went to the XXXX XXXX in XXXX XXXX ( which since I had long moved out of the area and was 120+ miles from where I lived ) I was informed by the XXXX representative that I had paid my outstanding balance with them in XXXX and I did not owe them any money. The lady from Transworld Systems called me back I explained to her that XXXX said that my bill had been paid long ago and she still insisted that I had an outstanding balance and that if I didn't pay it, Transworld Systems would take legal action and I told her that I was done talking to her and hung up. I have not had any further interaction with Transworld Systems until they placed collection accounts on my credit report. Once I was notified by XXXX, XXXX, and XXXX that the collection accounts were negatively affecting my pristine credit record, I called Transworld Systems I was told that even if I paid the debt it would still appear on my credit report. I informed them that I would have my attorney take care of this and he informed me to take this step prior to initiating any legal actions. I am XXXX XXXX XXXX with severe XXXX XXXX ( I have XXXX XXXX XXXXXXXX ) and I don't need the added stress from a collection company. My health is my top priority and I don't need to be arguing with debt collectors about something I do not owe! 

For the record, it is my belief that Transworld Services bought old XXXX debts for pennies on the dollar and they now own the debt and want to get money anyway they can.
Consumer complaint received 2023-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter last XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today to block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

I purchased a brand new vehicle XXXX XXXX XXXXXXXX XXXX was the lender. XX/XX/XXXXXXXX XXXX  while purchasing a new vehicle and trading the XXXXXXXX  I found out there was no record of me owning or purchasing the vehicle. The information was not being reported to the credit bureau. I was initially denied the trade saying because it was thought to be someone else 's vehicle. This is my.second time reporting this the 1st time the complaint was closed and letter mailed out saying that my credit would be updated. There's still no report of me having the vehicle on my credit. This was very embarrassing as well as causing me to have a lower score than I should since my payment history waa excellent but credit shows no trace. It's very frustrating how these big companies get off doing crooked activities and hindering the consumers making them suffer.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (WV)

I have personally made calls, send complaints, and requested my private and personal information to be removed from my Consumer Reports produced by this company. Referencing the consumer laws stating that personal experience and interaction are not to be included as per 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and " The Privacy Act of 1974 '' I have repeatedly asked to have interactions and experiences such as " balances, payments late or otherwise, inquiries, closures, collections, and any other personal interaction with companies that I no longer have business with. '' be removed immediately. 
However against all attempts my report still shows all of the mentioned information.
Consumer complaint received 2023-11-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (NC)

I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Paragon Revenue Group XXXX XXXX XXXX : XXXX, located at XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX, for their failure to address an overpayment on my account ( Account Number : XXXX Despite multiple attempts to resolve this issue directly with the agency, including two written correspondences and a direct conversation with an account representative, my concerns have been blatantly ignored. The representative unprofessionally ended the call, stating they could not assist further since the bill was paid. 

In XXXXXXXX  I paid a total of {$1000.00}, and in XXXX, {$1700.00}, against an original balance of {$2300.00}. However, XXXX XXXX bill payment service, overpaid by {$450.00}. I have attached the XXXX XXXX payment summary as evidence of this overpayment and have repeatedly requested a refund of this excess amount, to no avail. 

I am deeply concerned about Paragon Revenue Group 's practices and lack of response, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). I kindly urge the FTC to investigate this matter and ensure that such practices are not repeated with other consumers. 

Thank you for your attention to this serious matter.
Consumer complaint received 2023-11-18
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)

XXXX  contiunes to report proved fraud on my credit report. the company reporting it will not assist, I have FTC fraud reports, police reports and my local law inforcement ( police/DA ) are investigating this fraud. the loan company has provided conflicting and false information and states the 'loan is verified ' yet will not explain how it was verifed. XXXX has been giving me the run around for months saying just send police report and we will fix it, send ftc report, etc I have done all of this 5 times since XXXX yet it is still being falsely reported. This account in question is not mine, nor was it ever mine and the company that says it is mine has yet to produce any evidence showing it is mine... it needs to be removed from me credit file ASAP this is absurd, please HELP!
Consumer complaint received 2024-04-10
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. (MD)

I am writing to address a matter of significant concern regarding persistent hard inquiries on my credit report, as referenced in your recent communication under Complaint ID Your Complaints XXXX. While I appreciate the acknowledgment of an internal fraud resolution that can be processed by the respective creditor, it is disconcerting that these inquiries were conducted without obtaining my explicit consent.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (WA)

My XXXX card was lost/stolen. Someone found it and started to withdraw money from my XXXX account. My complaint is that the bank did not take appropriate measures to secure the bank account. The card was used over and over again to withdraw money. My family and I are never sick so I did not actively monitor the activity on the card. I was unaware that cash could even be withdrawn from an XXXX account. I have been reimbursed according to Optum Bank policies and FDIC federal laws. I understand my rights however, the bank should be liable for taking measures to protect money I have placed in their bank in good faith- I feel reasonable measures were not in place. 
1 ) How did the unauthorized user get a pin to withdraw cash from a teller machine?

2 ) There were 182 unauthorized transactions, why didn't the bank have appropriate safeguards in place to protect funds set aside for the specific purpose of healthcare and notify me that there were anomalies in my account like other banks do? 

The FBI is reporting, " causes tens of billions of dollars in losses each year. It can raise health insurance premiums, expose you to unnecessary medical procedures, and increase taxes '', a simple pin or notification that a cash withdrawal took place would have prevented this. 

I was approximately 25 days past the 60 day requirement to notify the bank of unauthorized activity. I have lost over {$17000.00} in XXXX funds and was reimbursed for about {$20000.00}. Optum Bank should put into place basic security for XXXX account holders.