davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
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. (GA)

I am writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with TransUnion and XXXX. The accounts in question are XXXX  XXXX account number XXXX ( XXXX ), XXXX  XXXX account number XXXX ( XXXX XXXXXXXX  ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681.

I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate.

But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors?

Did you interview my friends?

How and Who did you talk to?

One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute.

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible.

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.
Consumer complaint received 2023-11-13
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. (TX)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 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 2023-05-24
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous accounts in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the accounts that are erroneous in my file and need investigation : XXXX/XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$7500.00} XXXX/XXXX  XXXX Balance : {$4800.00} XXXX/XXXX  XXXX Balance : {$2400.00} XXXX XXXX Balance : {$2200.00}
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I deposited a check from a marketing company I received to do surveys. I thought I had lost the check and found it in an purse I had used previously. The check/cashiers check was returned and I am told was flagged as a fraudulent item. This deposit occurred on XX/XX/2023. On XX/XX/2023, my transactions were declined which is the same day my standard direct deposit to the same account for approx. 1 1/2 years. I contacted the bank being able to see that my XXXX had been processed. I was informed the account was suspended, I had no access to funds due to the previous deposit of the cashiers check had been returned, and an investigation was occurring. No notice, no next steps, no access to funds, and it would take 14 days. My XXXX more than covers the return ( cashiers check was approx {$1400.00} and I had a balance of approx. {$400.00} at the time of the deposit ), and my XXXX is approx. {$3000.00}. I was treated as if I had done something wrong despite having my account for several years with Bank of the West/Now BMO without incident. I am incurring late charges, return charges, unable to pay basic needs such as rent, food, insurance, and despite stating a notice was mailed, I have yet to receive any communications from BMO. They will not even inform me of how they will contact me after the investigation upon multiple requests of the process and next steps. I am requesting their notifications, practices, and reasons be inquired upon, along with the release of any funds as a result of my XXXX which is currently unavailable, and any and all late charges, be compensated for. I am being treated like a criminal v. a victim of fraud and without any support from BMO. I have spoken to and provided them with all the information I have, to no avail.
Consumer complaint received 2024-08-13
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. (NC)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Bank XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX Account NumberXXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE! 

XXXX XXXX XXXX  Account Number:XXXX This is so unfair and deviant from Standards! - 18 U.S. Code 1028A - Aggravated identity theft. DELETE!
Consumer complaint received 2023-03-15
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: JPMORGAN CHASE & CO. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (TX)

In accordance with the FCRA these creditors has violated my rights. Under 15USC 1681 SECTION 602 states I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15USC 1666B a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose. Here 's a list of the companies Upstart, Upgrade, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of   XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of  XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.
Consumer complaint received 2024-05-27
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: Advantage Credit, Inc. (GA)

A company did XXXX hard pulls on my consumer report - XXXX XXXX XXXX - XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX XXXX XXXX XXXX does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Consumer complaint received 2023-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (WA)

On XX/XX/XXXX a procedure was performed that required preauthorization by the XXXX XXXX XXXX XXXX XXXX XXXX. I provided Primary and Secondary Insurance information and ID Cards but was never notified that I would be responsible for any amount. When I received a balance due amount a year later, I noticed they did not bill my secondary coverage ( XXXX XXXX ). I called and sent them messages monthly through their portal. They sent me to collection and my credit score took a hard hit. Finally, I received a response where XXXX said she would pull it out of collection and resubmit and keep me notified of the status. I continued to keep in contact through their portal with no response, no status update. Then on XX/XX/XXXX they sent me another bill for the balance of {$380.00}. XXXX XXXX said, today, that they were never billed. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX from Radius Global Solutions stating their attempts to collect this debt. I was baffled at how this was supposed to be resubmitted and yet now I am sent to collections XXXX months later, blindsided. I called XXXX XXXX, XXXX XXXX, and Radius Global Solutions today, XX/XX/XXXX. XXXX XXXX said they were never billed, XXXX XXXX said the information was not in their system and that they sent a bill out today as we were on the phone and that I would have to call the collection agency and have them stop collection efforts. Radius Global Solutions transferred me to a supervisor with a name that sounded like XXXX XXXX and he was rude. Kept interrupting me, wanting me to give him Yes or No only and sarcastically said sure my insurance company is going to pay after all this time. Hung up on me. I digress. XXXX XXXX is not an insurance company. This benefit was given to us because my husband was injured while on duty and had to XXXX  retire. We are both XXXX American veterans. The hospital should not be allowed to delay bills, send me to collection, and have the collection agent harass us and ruin our credit because they did not bill XXXX XXXX who said they would have paid as they always do. This harassment is affecting my health and XXXX XXXX. Please let me know what we can do as I have tried everything possible to make this work out. Thank you very much
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, XXXX I called as my old bank ( XXXX  ) reached out to me stating that there were charges from Synchrony Bank trying to collect payment since XX/XX/XXXX. Synchrony did this 6 times overall which resulted in my bank charging me insufficient fee charges 6 times which are over {$30.00} each meaning I owed my bank over {$200.00} in fees. I called and asked for a refund of those fees since one I made my XXXX payment on XX/XX/XXXX so there was no need to even charge me that month plus when I called in XXXX to make the payment, I updated the correct bank information to ensure the month of XXXX I get charged from my XXXX  XXXX XXXX. The representative said they would put a case in to be reviewed and it takes 30-60 days for it to be reviewed. I called today ( XX/XX/XXXX ) for them to tell me they could only waive once every 12 months and that out of the total amount im owed, I will only be reimbursed {$30.00}. When I spoke to a manager about this, they had said there was nothing they can do even though it was their system that made the mistake, that they sent a credit of {$30.00} which really went to my sister 's debt not even my own- we have a joint account but different accounts. When i asked " am i supposed to just eat the cost of over {$200.00}, '' since I still owe that to XXXX, the manager simply replied with a yep. I reached out to two different managers and they both responded the same way. XXXX is not willing to waive those fees since it was an error on Synchrony bank.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-31
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX