davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (GA)

ABSOLUTE RESOLUTIONS IS REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT.

15 USC 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates you are also in metro 2 violations.
Consumer complaint received 2023-12-06
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and Bank of Americas ATM took my money of {$1000.00} on XX/XX/2024 which was part of my rent money and havent credited my money back as of yet. They advised me that I have to wait XXXX to XXXX business for them to credit my money back that their ATM took from me which is bogus. XXXX getting charged late fees of {$500.00} from my landlord because of this issue. I expressed this to Bank of America and the only thing they can say is Sorry but Sorry isnt helping me pay my bills. I need my {$1000.00} back now! ATM id : XXXX Bank of America address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-06
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. (PA)

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-12-06
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (GA)

I am writing to request an investigation of the following information that appears on my Contemporary Information Corp. consumer report. I have NEVER lived at this address XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX or ever heard of XXXX XXXX XXXX and XXXX XXXX. 
Primary Repository Housing Court Record IN Question : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX or ever heard of XXXX XXXX XXXX and XXXX XXXX 
I don't recognize the following account in question. Im a victim of identity theft and I don't recognize this Primary Repository Housing Court Record on my report. I'm requesting the following information be deleted from my Contemporary Information Corp. report immediately! I have notified ( FTC ). Ive attached a copy of the report to this request..
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. 
Transunion ( only credit bureau ) reports it as XXXX XXXX  XXXX XXXX. 
I had requested to have information corrected at least 3 times, never had a solution. Attached you can find my Bank statement, DL and SS card showing my correct name.
Consumer complaint received 2024-05-15
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: Nelnet, Inc. (MO)

accessed all XXXX reports from XXXX, XXXX AND XXXX -- XXXX AND XXXX ARE USIND DIFFERENT VARIATIONS OF MY NAME -USE ONLY THIS VARIATION XXXX XXXX XXXX XXXX REMOVE MY DATE OF BIRTH AND SOCIAL SECURITY NUMBER. REMOVE DELET CHARGES OFFS FROM ALL 3 REPORTS, DELETE STUDENT LOANS FROM ALL 3 REPORTS. I DID NOT GIVE ANY WRIITEN/NONVERBAL CONSENT FOR XXXX, XXXX, XXXX, TO REPORT ANY HARMFUL INFORMATION THAT MAY REFLECT NEGATIVLEY PER 15 USC 6802 THE FCRA AS A FEDERALLY PROTECTED CONSUMER. I AM NOW OPTING OUT OF ANY AND ALL AUTHOIZATION I THE CONSUMER XXXX HAVE GIVEN WRITTEN/UNWRITTEN VERBAL/NONVERBAL FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO REPORT im now opting out from you reporting on my consumer credit report IMMEDIATLELY. Every company me a privacy notice before they furnish ANY information to MY consumer report
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, Capital One closed my checking account when I was trying to send a wire out. They said it was because they thought that I was wiring it to a cryptocurrency firm, which was incorrect because I was transferring it to my own XXXX XXXX account. 

They closed my account with no ability to reopen it. They told me they needed to investigate the funds to see if they were good, and would send me the funds once they determined that the funds were good funds. 

XX/XX/XXXX - i called to get a status check, they said i would get the funds relatively soon. 

XXXX - i called again and did not get an updated status check. 

XXXX - i called again and got no estimated time of completion for the investigation. 

XXXXXXXX  - they told me the investigation was still on going and they had no ETA. 

It's now XX/XX/XXXXXXXX  and I still have not heard back from them. They are holding {$3900.00} without any notification of when I'd get it back.
Consumer complaint received 2023-12-06
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I realized 2 months ago that when I sent in my payment for the credit card bill with XXXX XXXX missed putting in the period and sent {$22000.00} instead of {$220.00}. I didnt realize it until I received my next statement from the company as my checking account is tied up with my investment account and I had the extra money in XXXX XXXX 

I called the credit card company and they said it would take 10-15 days to research it and get a check sent back to me. I complained and they had a manager get on and she agreed to speed the process up and have a check to me within 5 days. That was 45 days ago. I called again after getting my last statement which still showed the credit on the account. Again I was told that the check was going out. Finally, I received a statement with a XXXX balance but no checkI called again yesterday and they said that the check went out on XX/XX/XXXX. It is XX/XX/XXXX and the check didnt come in todays mail.
Consumer complaint received 2024-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EULER HERMES UMA, INC. (KS)

On XX/XX/XXXX the debt collector called my office insisting on talking to the owner, he was advised that the owner was unavailable and asked if they could take a message. The individual got irate immediately and starting yelling at my office personnel and calling them a liar and demanded they interrupt the owner. He was told that wasnt going to happen and asked again to leave a name and number. He continued to yell and scream at the office girl. She terminated the call because of his tone and behavior. He then called 3 more times within 5 minutes until my office manager got on the phone and told him he had better stop calling and talking to my girls like that. I got his number from the caller ID and called him when I was free, I had to leave a message. I informed him that I was aware of the debt and that I had full intention to fulfill my obligations as we have had a downturn in revenue. Also informed him that he was not to call the office again and/or speak to my employees like that again. Told him that any further communication was to be done via email. He then tried 2 more times in the weeks to follow. He also accompanied the calls with emails demanding full payment immediately. The last few emails that I received from them, demanded payment by XXXX XXXX  or they were getting legal involved. I again explained the situation, to no avail and met with more aggravating toned emails. I again asked to keep communication professional and he has refused to do so.
Consumer complaint received 2023-11-28
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: National Credit Systems,Inc. (GA)

From XXXX I have been in and out of XXXX  with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX  which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX  along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through IdentityTheft.Gov. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
Consumer complaint received 2023-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (CA)

On XXXX, Specialized Loan Servicing LLC, didnt accept our payment for XXXX mortgage in the amount of {$4000.00} and the for the amount we owe last XXXX in the amount of {$1000.00}. The total amount we paid last XXXX was {$5100.00}. They said they sent us a check in which I called them back before the month of XXXX and said I still havent received the check in the mail. They said they will re-isssue a check again so if I receive the first one just toss it. The next day, I went to the mail and found a lot of mail from their company and one of them is with the check issued by XXXX XXXX So I just kept it to show proof that they will be re-issuing me a check in that same amount. Days passed by, I called them again, messaging them through my email and messaging them using their online messaging system, but unluckily, they seem not to answer our question using the our email or their messaging system online. They just kept calling, but still no answer using the email we have sent them or their online messaging system. They kpt sending us mail stating that we are past due on our mortgage. We were past due because they didnt accept our payment to them last XXXXXXXX XXXXThey cashed our payment checks that was sent to them last XXXX. Our bank confirmed that our bill pay payment was cashed at XXXX XXXX by Specialized Loan Servicing. 
Now we wondered why they cashed the checks in XXXX XXXX and sending the payment back to us if they are not accepting our bill pay payment. They said onlyg certified funds. But they cashed our bill pay checks last XXXX XXXX 
Now, were still in waiting for that re-issued check. They said today, it was sent last XX/XX/XXXX. But in fact, another representative told us last Saturday, XX/XX/XXXX, that it was cancelled because it havent been cashed and that theres no re-issuance check yet that was mailed to us. So, this representative today looks like she didnt know what shes saying. She told me that she will send an escalated note totheir manager regarding this. So now, theres stillno check arriving to us. Our mortgage account is showing a past due of {$5300.00}. Our account shows an unapplied/suspense of {$3000.00} in which We didnt know what was that about. Our mortgage has been purchased three times already and Specialized Loan Servicing is the present servicer. They are the worst company. I dont know how they managed to still be in this industry wherein we have seen a lot of complaints about Specialized Loan Servicing , LLC . 
Please act asap!
Consumer complaint received 2023-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

The bank has held my entire savings in what they have called a hold for over 83 days, which is far beyond what regulation state is allowed. The hold as I said is on the entire amount in my savings rather than from a transaction that has cleared. 
The hold was placed due to a transaction on XXXX  that moved {$15000.00} from my bank to another bank out of state. I disputed the transaction XXXXThe bank recovered the funds, however they have placed a hold on the entire account not just the transaction in which a bank may do for it to clear. I have called many times, not one person has been able to remove this hold. I was told to go into the bank to proove who I am with two forms of ID.

I went in with at least four and the hold is still on the account! I have called and had to wait on them to call back always a two day wait, never getting any resolve! They really have no reason or right to do this and they have no concern that I need to use my money to live! This has cost me well over XXXX XXXX XXXX XXXX  in fees and credit score ( if you can place a price on that ) I worked hard to keep my score above XXXX and to not be able to pay bills or borrow and have late fees when I have the money, but a bank is not allowing me to use it! 
This is my second time to inform on this, the first was responded with a letter that basicly restated all the information with no solution or a date as to when the hold would be lifted! I am really hoping that I can get real help this time.
Consumer complaint received 2018-11-20
Product: Credit card or prepaid 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. (NV)

I've been disputing Chase on a charge in the amount of {$530.00} by XXXX XXXX XXXX on XX/XX/18, credit card acct # XXXX ( XXXX ). On XX/XX/18, I, in error, paid chase {$540.00}. I called and verified my payment details with the manager at XXXX via a conference call with XXXX XXXX. However, Chase only refunded {$450.00}, on XX/XX/18. Chase still owes me {$88.00}. Several months later chase put {$450.00} back on this acct. Chase have consistently lied to me, refused to return my calls, or resolve this issue. 
XX/XX/18 I retrieved mail from my XXXX XXXX . Enclosed were copies XXXX XXXX XXXX sent to Chase. XXXX ( chase ) sent the copies ( 16 pgs. ) to me XX/XX/18. These documents have my detailed payment transaction to XXXX. They show the last 4 digits of the card used ( XXXX ), exp. date, my name and address at the time, and date of transaction, XX/XX/18. Nowhere in these documents does it show the use of a chase card # XXXX. This is irrefutable proof that chase refuses to acknowledge. 
I appreciate your attention to this matter. 
Thank you, XXXX XXXX, Ph. XXXX XXXX XXXX. 

Ps : I have attached 4 pgs. of 16pgs. as proof.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good evening, My name is XXXX XXXX. I have been a victim of Identity Theft. The thief took control of my online account and went did a bunch of unauthorized charges. The bank decided to close my accounts and flagged my accounts. By doing this, I can no longer bank with them OR open accounts in with other banks due to banking reporting systems such as XXXX XXXX XXXX and XXXX. I think it's unfair that even though I've shown proof of Identity Theft and have been a loyal customer for many years, I am treated with such disrespect. Every time I call customer service it's a huge run around and I simply don't understand what to do. I get transferred to another department, explain my story and get sent around again. Please have the bank fix this situation.