davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (FL)

XXXX XXXX XXXX has repeatedly sold a fraudulent debt to collection agencies who in turn have reported the debt to my credit report. I have repeatedly filed fraud alerts, placed a freeze on my credit file and previously reached out to no avail. I have filed a dispute with XXXX at this time and will file an identity theft case yet again with local law enforcement.
Consumer complaint received 2022-10-27
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion 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 and it requires the following documents and statement to remove the disputed accounts on my file. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00}
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$27000.00}.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX, XXXX OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month
Consumer complaint received 2023-12-11
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2023-12-11
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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. (OH)

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX I tried disputing this many times with Experian, XXXX and XXXX. The only XXXX XXXX I have ever had was many years prior to the reported date of 2020 and confirmed with XXXX that I have no outstanding balance with them. When I contact XXXX they don't recognize account number or balance being reported by XXXX. XXXX XXXXXXXX. When I contact XXXX XXXX  XXXX I can't get a hold of anyone that can bring me up in their systems. I have been disputing this for a couple of years and it is still appearing on my credit report.
Consumer complaint received 2023-12-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX  I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard. 

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management Collection has been harassing me and my family for 13 years over a debt I do not owe. Apparently this is the result of identity theft. They have said they served me through the mail at an address that I have never resided at and they have an incorrect social security number for me. They have successfully secured a wage garnishment against me for {$21000.00} and have already taken {$800.00} from my last paycheck. The phone number to this agency is : XXXX
Consumer complaint received 2024-04-17
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. (CA)

I noticed two inquiries on my credit report that were not authorized I called Trans Union, who said that they would dispute them and they never did. They blocked me from accessing my Credit Report online and Blocked me from disputing as retaliation. 

Today I called and spoke with XXXX from Transunion Special Handling Department and she told me they do NOT dispute inquiries even if they are not authorized. 

I alerted her that this is a violation of the fair credit report act. And then according to the CFPB they have to obey the law and if they can not verify they have to delete. They wont even dispute it. This is a violation of the fair credit reporting act for accurate information on my credit bureau. This is also a violation because they allowed a company to access my credit bureau without my permission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ).
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports.
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: EQUIFAX, INC. (MI)

I have disputed fraud accounts on my credit report and sent all verifying information to prove that these accounts do not belong to me the accounts are as follows XXXX  XXXX, XX/XX/2018. This account is fruauduent and does not belong to me.
Consumer complaint received 2023-08-29
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)

I believe Transunion is in violation of 15 USC 1681b- Permissible Purpose. I have submitted letters stating my claim. I am attaching another here. I am wanting the 5 items to be removed expeditiously, as it is fair.
Consumer complaint received 2023-12-11
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. (NC)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (WY)

Capital One Bank sold my account to XXXX XXXX XXXX ( XXXX ), and charged off the account. I then executed and settlement agreement to pay less than what was owed with XXXX, after satisfaction of the agreement, I sent the receipt to Capital One bank from XXXX. Capital One refuses to update me credit report to and outstanding balance of {$0.00} and will not communicate with me regarding this account. I have disputed this information with the credit reporting agencies and Capital One lies to the agencies and doers not honor my agreement. XXXX has removed their entry from my credit report, it is just Capital One who is providing incorrect information to the credit reporting bureaus.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

On Sunday XXXX XXXX I contacted chase bank regarding an email for accounts I did not have, I reported my identity was stolen and this is not me. They told me they closed and flagged all 5 accounts they found. Then Monday XXXX XXXX I received another email stating they mailed out a checking card. I again called and they refused to help me over the phone because i couldnt verify my own information. I again told them it is fraud I called the day before. They refused to help me. I went into a chase bank branch with my id begging for help. The lady told me she closed and locked the card,, she flagged everything and printed off the information for me to file a police report. I went to the police station filled my report same day. Then Wednesday XXXX XXXX I received another email stating my credit card is now over the limits. I called again to fraud, customer service where no one would help me. I attempted to go back into the branch and was told by the manger they cant help me because its 30 min before closing. I asked her to please look and see if the account is up, I came in on Monday it took the girl 5 min to pull it up and print the info and show me. She refused to help saying its so close to time. I dont know what else to do. Chase bank refuses to help me.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, Bank of America charged off a CREDIT I had on a long held XXXX account. The CREDIT balance of {$26000.00} was a result of a duplicate payment. Instead of refunding me, Bank of America closed my account and is now reporting this to the credit agencies as charged off debt. Furthermore, Bank of America either owns or sold this alleged debt to a third party debt collector in violation of the Fair Debt Collections Practices that 1. Violated my privacy, 2. Was not a debt to be sold, 3. Owns third party debt collector and has contacted me pretending to be this third party debt collector as I received correspondence from BofA after I responded to third party debit collector who otherwise would have no idea regarding 3rd party attempting to collect a non-debt. This account had previously been REMOVED from my credit reports, and Bank of America is now threatening to put this CREDIT BOFA OWES ME on my credit report. I require Bank of America to pay me the {$26000.00} that they owe me immediately.
Consumer complaint received 2023-12-07
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. (SC)

Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX  XXXX is still reporting. 

Please see attached letters from creditors. 

Thank u
Consumer complaint received 2023-12-04
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NC)

On Saturday XXXX ( around XXXX XXXX ) I went to PNC bank to the ATM located in XXXX NC. I wanted to deposit money into my XXXX Banking account. According to XXXX, I could use this ATM to make the deposit. I got to the ATM, followed commands on screen to make the deposit. Submitted the money, machine sounds like it was counting the money. Then message popped up on screen saying, " Temporarily out of Service ''. I waited about 5 minutes thinking it would spit the money back out, but never did. There was a phone number located on the machine that I called. It just said that the customer service dept was closed because it was after hours. I took a picture of screen with my cellphone so I would have some kind of proof. 
I got to work on XXXX ( Monday ), reached out to PNC back, they said I needed to contact XXXX. I reached out to XXXX, even spoke to a supervisor, and they both said it was on PNC. Called PNC once again and was on hold for XXXX minutes to be told the same thing. I need some advice on what to do, who's responsible for returning my money.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

I filed a complaint with Experian to vacate a public record of a Ch. XXXX proceeding filed but dismissed by the court as an error and withdrawn by the court the same week it was filed in XX/XX/XXXX. I became a victim of Identity Theft regarding a mortgage with my name on it that was foreclosed illegally by XXXX XXXX. Every other CRA vacated this public record court case # XXXX last year after I was affirmed to be a Identity Theft victim when our house was stolen! Experian in XX/XX/XXXX signed an accord to vacate ANY public record without all XXXX DATA points on the public record. My public record does not have enough data points of identification so it should be vacated as well! See news article on Page XXXX.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/23, I made attempted to make an ATM deposit at the Bank of America branch at XXXX XXXX  XXXX # XXXX. The ATM took my two checks and failed to give any receipt for my deposit. I immediately requested assistance at the branch and was told to call XXXX which resulted in the filing of a claim with Bank of America. As today, my account has not been credited and I have been told it will not be credited until the 10 day hold period expires ; furthermore, the claims department has NO availability escalate my credit to my account in less than 10 days. I have spent at least 90 minutes to speak with a decision maker about this bank ATM malfunction which causing a financial hardship.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of XX/XX/1974. Remove all negative reports on my credit report immediately. 
Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.