davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXXXXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the
Consumer complaint received 2024-04-21
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. (CA)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX - XXXX XXXX BANK ACCOUNT # XXXX This creditor is reporting this account that has had a XXXX balance for many months. 
Show as 30 days late for the month of, XX/XX/2023. 

I am requesting that this creditor update my credit file with all XXXX credit reporting agencies to payed as agreed and never late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 1,200 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-24
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: AMERICAN EXPRESS COMPANY (FL)

In light of the newly acquired information, it is imperative that American Express establish the veracity of the initial decision to block these items, in accordance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to request evidence and documentation supporting the reasons behind the blockage, specifically in the following contexts :
Consumer complaint received 2023-09-24
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. (LA)

I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX report XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX  Finance, personal XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-24
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. (NC)

I am writing to file a formal complaint against XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and therefore income under IRS Publication 4681. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. 

The charge-off, considered as income per IRS Publication 4681, should not be included in consumer reports, as explicitly mandated by federal regulations. However, XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. 

Despite my attempts to rectify this issue directly with XXXX by disputing the inaccurate information on my consumer report, the erroneous reporting persists. This continued misreporting has substantially hindered my ability to access credit and financial opportunities. 

Furthermore, XXXX 's actions violate several federal statutes, including : 1. Violation of FCRA Sections 1681 ( a ) and 1681 ( b ) : XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. 

2. Violation of FCRA Section 6802 : XXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws aimed at protecting consumer privacy and ensuring fair and accurate credit reporting. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX for their egregious violations of federal statutes. Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. 

Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. 

Thank you for your attention to this matter. I eagerly await your prompt response and resolution.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

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 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report 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 2023-09-24
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. (LA)

I have information on my credit report that does not belong to me. I have been a victim of identity fraud. Here are my FTC reports. 


XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} chargeoff XXXX report XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX  XXXX XX/XX/XXXX {$370.00} Transunion report XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} chargeoff XXXX  XXXX XX/XX/XXXX {$550.00} chargeoff XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$370.00} inquiries XXXX XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX other than personal XX/XX/XXXX TransUnion XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Sales And XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-06
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (KY)

In XXXX of this year I filed a dispute with Us bank relia card. On US banks behalf they disputed the wrong transactions and they were in fault for disputing my 2 water bills one for XXXX dollars the other for XXXX. They pulled the phone call to see I in fact stated DO NOT dispute those water bills from XXXX XXXX XXXX XXXX XXXX XXXX! They did anyway. On XXXX XXXX a provisional credit was given to me for XXXX dollars ( the two water bills that werent supposed to be disputed in the first place ) And on XX/XX/2023 they took that money back from the water co. {$100.00} total. Then on the XXXX of XXXX they canceled the dispute because they were the ones responsible for the mix up in the first place. Not only did I repay the water company but I paid 2 fees of {$25.00} dollars for both returned payment fees and XXXX for a reconnect fee because of US banks negligence my water was turned off. 
Moving forward, on the XXXX of XXXX that {$100.00} dollars they already took back from the water company, they reversed the credit on my account. Let me rewind and tell you how many calls I have made because of someone elses mess up. Over 50 calls in the last month to them and they all have a different story. I have talked to upwards of 30 supervisors and noone can give me a tracking number or any kind of transaction number to where this money was supposedly issued back to the water company. So on XX/XX/XXXX the credit was taken back and was found to be no error. On XXXX the XXXX I had a deposit from the XXXX XXXX for {$120.00} and they took {$100.00} out of my account. At that point we should have been even. XXXX dollar balance. But instead took the provisional credit back and took that money from the water company and I am the one who originally paid it. That is my money they took. The water companys biling department for XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, KY. XXXX Has NO proof this money has made it back to them. Ive talked to every department even accounting and they dont have it. But the money has not returned and like the water company said. '' Once they accept a fraud dispute from the bank that money doesnt go back to the bank and then back to them. '' Its a one step process. Us bank owes me that {$100.00}. Dollars. 
Asked them to find a tracking or transaction ID number for the money that was sent back. They don't see that. Any money that goes in or out has some kind of papertrail. I want my money they owe me! I cant get anything done but going in a circle because of there negligence. Thank you. 
XXXX XXXX
Consumer complaint received 2023-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CT)

I am a XXXX XXXX XXXX XXXX into the United States on XX/XX/2023, I entered with my legal status on my passport. On Saturday XX/XX/2023, I was at the bank at XXXX to request please open an account the teller Director of the branch bank, told me that it was impossible to open because it takes over 45 minutes and she did not have time to open. She said the better way was to do an appointment or to come back on Monday morning. I went to the branch today XX/XX/2023 at XXXX XXXX XXXX XXXX after half an hour waiting the director ask me for my documentation. I showed her the required documentation, and she said it was not possible to open because I did not have the green card. I bring with me, my green card my social security document and evidence of the residence and she decided that my evidence on the passport as legal permanent resident was not my green card, and explained to her that my legal status is permanent resident and she decided to said, I do not know about this green card, she said I have to wait because she needed to call somebody else by phone. She started to see other clients and after been waiting almost two hours I have to leave the place, and she run after me outside of the bank and she said she will not open my account without any explanation. I believe she is a XXXX person, the ignorance of those managers who do not know how is the green card is astonishing, which seemed impossible to me I felt discriminated against.
Consumer complaint received 2023-09-15
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (PA)

I noticed a collection on my credit report. When looking into it, it was unpaid medical expenses that should have been covered when I obtained healthcare from the state. It was sold to a third party debt collector. I reached out to the company who is holding the collection and asked how to show proof I have medical coverage, I provided the information needed to have it taken off the report. Six months later, it is still there. I have disputed it numerous times and it still stays on my report, preventing me from buying a home, a car, and getting credit cards to build my credit.
Consumer complaint received 2023-09-24
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. (IN)

I AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSISTENTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR THIS TO BE UPDATED.IT 'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCC Business Services, Inc. (GA)

On XX/XX/XXXX and XX/XX/XXXX I reached out to NCC Business Services regarding an debt with a Apartment I had back XX/XX/2016 with my ex girlfriend. I called to see about settlement woh them I was told no this account can not be settled for anything less. The XXXX the phone was rude acted very non chalant said your working you dont need a settlement if oh were out work we could do something. So I questioned him telling him if I was unemployed wouldnt be able to do anything. Im working need this matter taken care of in a timely matter willing to do 60 % of {$2800.00}. I have a family to provide for ready for this blemish to be removed from my credit history.
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (AL)

I requested that Equifax send me proof of each alleged collection that is reporting onto my credit report. It has been over thirty days, and I have yet to receive any correspondence pertaining to any of the alleged collection accounts on my report. There is currently one ( 1 ) collection account showing on my report : XXXX. XXXX XXXX XXXX XXXX I am requesting PROOF OF THIS ALLEGED DEBT be provided to me immediately. Proof needs to show WHEN XXXX XXXX XXXX obtained this account from the original creditor. I am also requesting proof of the original consumer signed contract with my physical signature showing that I ever had an agreement with any of the original creditors as well as the collection companies. I am also requesting to see where this alleged debt was sold to XXXX XXXX XXXX with the balance on it that I allegedly owe. I am also requesting copies of any papers that bear my signature, verification or copy of any judgment if applicable, proof that the Statute of Limitations has not expired on any of these alleged collection accounts, as well as proof to me that this collection company is licensed to collect in my state, with XXXX XXXX XXXX 's license numbers and Registered Agent Identification numbers. Failure to respond to these validation requests within 30 days from the date of your receipt for all references to these accounts would violate my rights under the Fair Debt Collection Act, and these alleged collection accounts must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Failure to do so, will result in my consultation with my legal counsel for suit.
Consumer complaint received 2023-09-24
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. (NC)

Inquiry from XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - XX/XX/XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I believe these inquiries were made without my permission or are inaccurate. I have not applied for credit with these institutions or authorized anyone to do so on my behalf during the mentioned dates. As a result, I kindly request that these inquiries be investigated and removed from my credit report.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

Please take care of this matter on your end. I do not owe this debt to anyone. I've notified the company and voiced my concerns. 
The shows the amount of {$690.00} is in question. I had contacted the company in question and explained my position in the matter. Please stop contacting me and handle this on your end.