davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, 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. (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.

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 inaccura
te.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I purchased an airline ticket from XXXX XXXX. XXXX XXXX cancelled the flight and scheduled me for a different flight at a different price. I called Airline and ask them to reimburse me for the difference, the agent agreed and said that I am entitled for {$100.00}. In addition, I paid extra for a seat, the airline reimbursed me for one way and the return flight. Airline didn't reimburse me the {$100.00} nor the {$19.00} for the return flight. I submitted a dispute about the charges, unfortunately Bank of America reverse my dispute without even talking to me. I called and called but no one whiling to help. I am a preferred customer, but it didn't help. I had previously complaint about the behavior of their customer service but they care. I informed them that I will move to a different Bank but they didn't care either. There are other issues that I faced previously with them, where they released some Bank account info to my ex, but I couldn't get anyone to listen to me. I recently received a call from the Bank asking how I like their services and I informed them that it sucks.
Consumer complaint received 2017-03-09
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC (CA)

This number XXXX XXXX XXXX left me an automated voice message regarding a debt and then somehow called my brother about me ... when i call back it is a voice message box i would like them to not contact family
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, 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. (TX)

On Trans Union I have a fraud alert that should have prevented the inquires on my credit report. XXXX want the following inquiries removed immediately :. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Informative XXXX XXXX XXXX XXXX XXXX, Duplicate inquiry. I called XXXX XXXX and they asked me to dispute because it wasn't authorized and Trans Union still refused to remove it. The only inquiry should have been on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (VA)

They contacted me first in a bill they had purchased and bought. And it was an old bill from a hospital back in 2017. The statute of limitations is over for the amount owed. Plus, i did not go see these people, did not sign anything or agreement with these debt collectors if i did show me proof. And they sent this amount they claim i owe to the credit Burroughs, trying to discredit me, claiming i didn't pay my debt to them. I think debt collectors should nit be allowed to collect on owed debts that they can not prove was not paid.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently made sure payments on this account are timely, never allowing them to go overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

I have defaulted on my mortgage and have tried to do short sale on the property. The bank got an appraisal on the home which appraised at {$220000.00}. An offer from a cash buyer was enetered in the amount of {$220000.00} and the bank refused it. Another offer was enetred at {$250000.00} and it was just denied on XXXX/XXXX/2017. The bank said that they will be closing my case and that they can no longer accept anymore offers and my house will be up for auction as XXXX/XXXX/2017. I am just unsure why the bank would deny an offer that is above the market value of {$30000.00} and not process the short sale. The bank is PNC and they said no other offers will be looked at. there was no explanation for the denial of the offer.
Consumer complaint received 2023-05-13
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: EQUIFAX, INC. (MI)

I reach out to Equifax to resolve and credit issue, by submitting documentation of my identity on an unknown fraudulent account XXXXXXXX XXXX  account XXXX XXXXXXXX and unknown bankruptcy in my public file which has not been verified to me by Equifax the same documentation has been submitted to XXXX  and XXXX they have reply and throughly investigated this account in removed XXXXXXXX XXXX for numerous violation and removed bankruptcy from public file XXXX XXXX account XXXX XXXXXXXX and equifax has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. 

Also documentation has been provide farther from bankruptcy courts listed in my public file that no information has been provide to No credit bureau or third parties to have a bankruptcy in my public file which equifax has violated my right by stating the public file was verified and hasnt shown any proof of source of this information. Which I have requested my written instruction to see. Failing to not provide this information this Public record must be REMOVED IMMEDIATELY!! Under these violations 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

Also a letter from XXXX XXXXXXXX was provide to equifax which is powered by equifax has stated in there findings there is no information of me in there data bases, which question equifax honesty on several dispute investigation I have requested on numerous accounts they have stated it was verified if this is so where is the information provide where you gotten this information from to verify this bankruptcy if any information has been shared by you or shared to you by any third parties is in violation of 15 U.S.C. 1681 C-2 Im demanding XXXXXXXX XXXX account XXXX XXXX to remove completely from my credit report Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request Im demanding the bankruptcy in my public file to be removed under several violation listed in this request 15 U.S.C. 1681 ( d ) section 1
Consumer complaint received 2024-03-27
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. (IL)

I was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. that has been hurting me as i am in the process of buying a home for my family. please remove the fradulent accounts from my credit reporting as possible. This account are reporting inaccurate information resurgent # XXXX, {$340.00} no 30 or 60 days reporting but it show 3 90 day late payment it skip 30 and 60 days. XXXX XXXX XXXX XXXXXXXX, this account show {$2000.00} no balance but 1 30days 1 60day 3 90 this is inaccurate information. XXXX  XXXX XXXX # XXXX show 21 90 days late payment 2 60days late payment and 1 30 day late payment. How is thats this all inaccurate information.
Consumer complaint received 2023-07-21
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. (MI)

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 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 2023-05-11
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: Experian Information Solutions Inc. (MS)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2023-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-05-11
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. (GA)

I provided Experian with two copies of my FTC identity theft report regarding XXXX XXXX XXXX collection agency attempting to collect a fraudulent debt. Experian responded back within 2-3 days of the dispute with the fraudulent account not being removed from my consumer report. Experian initiated an investigation that was not thorough and only took them one day to again, leave the fraudulent account on my consumer report. I'm a victim of the XXXX data breach which has resulted in the fraudulent account and various fraudulent inquiries and addresses being listed on my credit report.
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need paper work to validate the debt I never received contract purchases the whole credit file as I believe this was done bi my wife when I went to jail and I cant prove that in court unless I get the information on my credit file. I am a XXXX customer so the fact that I am not reachable is not valid its an excuse. Please mail me my credit file as I believe this was done fraudulently
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Good Day, I have a XXXX XXXX XXXX. According to the credit bureaus, there has been a credit score decrease of XXXX points in XXXX due to me exceeding the credit limit of {$50.00}. After reviewing my credit reports, I realized that the {$50.00} balance from XXXX is reporting instead of the balance for XXXX. According to XXXX 's terms, I'm required to add money to the account to set the spending for the month. The spent amount is locked as the secured funds in the XXXX account, which then can be used to repay the statement balance automatically with XXXX at the end of the month. I have not been provided with a statement for XXXX, but I do have screenshots of the transactions from the account. I deposited almost {$1000.00} into the account in XXXX. I've had the account for more than 6 months and I have only been provided 3 statements excluding the statement for XXXX. Also, XXXX does not have live agents for emergencies. Customers are required to chat with a live agent. This is an inconvenience when credit card companies have to contact a representative to verify transactions.
Consumer complaint received 2021-08-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In the fall of 2022 my identity was stolen after receiving unwanted and unknown balance transfer checks in the mail. I was never notified by Bank of America that they would be sending unsecure checks that could be easily cashed by a third party. 
Thinking these unknown checks were junk I inadvertently discarded them in a XXXX XXXX  receptacle believing the XXXX managed their receptacles in a secure manner. Although, I had ripped the mail up a third party was able to pull them from the garbage and cash the amount of XXXX dollars creating a three-month financial nightmare. As a result, I contacted all of my financial institutions admonishing them to not send me any more of these unsecure checks through the mail. All of my institutions except Bank of America have ceased this practice. 
I have contacted BOA numerous times each time taking over and hour to get through due to their poor customer service. I have told BOA reps. that I would be filing this complaint if these mailings did not stop. Despite my efforts BOA adheres to this practice and continues to send these unwanted checks and embrace this careless security practice.
Consumer complaint received 2023-05-11
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: Experian Information Solutions 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2023-06-29
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. (FL)

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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-05-11
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. (TX)

All the major reporting agencies have the documents that showed XXXX  XXXX XXXX was removed from the report in XX/XX/XXXX because it was more than 7 year 's since last payment was XX/XX/XXXX, now that XXXX XXXX  has the same account that was deleted, and reporting false information, the credit reporting agencies are refusing to delete the account that is XXXX XXXX XXXX.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.