davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

XX/XX/XXXX Transworld Systems , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Washington, PA XXXX To Whom It XXXX Concern, Re : Disputed Collection Account for XXXX XXXX XXXX XXXX, Account Number :, XXXX XXXX Number : I am writing to you as a follow-up to my previous dispute regarding the above-referenced debt, which has been inaccurately reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute this debt and request that it be verified. This letter serves as a formal demand for the immediate removal of this collection item from my credit report, as you have failed to provide adequate verification as required by law. 

On XX/XX/XXXX, I contacted Transworld Systems via phone and spoke with a representative to dispute the validity of the aforementioned debt. I specifically requested detailed verification of the debt, including evidence of my obligation to pay, such as the contract bearing my signature, and documentation showing the date the account was opened and how I allegedly incurred this debt. In response, you provided only a statement from a billing cycle of XX/XX/XXXX, which fails to meet the burden of proof required by the FDCPA. This statement does not include applications, my signature, or information regarding when the account was opened in my name. 

Furthermore, the address associated with this account is one where I have not resided for over XXXX years. This raises significant concerns about the accuracy of your records and the legitimacy of the debt in question. 

In XXXX, I was verbally offered a 30 % settlement by XXXX XXXX, yet I received no written confirmation of this offer. Instead, the debt was transferred to your agency, which has since failed to provide the necessary documentation to verify the debt 's validity. 

Given these circumstances, I demand the following actions be taken immediately : Provide comprehensive documentation that verifies the debt, including a contract or agreement signed by me and detailed account statements showing the creation and calculation of the alleged debt. 
Remove the collection account from my credit report with all three major credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately, as per the FCRA 's stipulations regarding the reporting of unverified debts. 
Cease all collection attempts and communication regarding this unverified debt. 
Should you fail to comply with these requests, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies through XXXX XXXX XXXX, including seeking statutory damages, actual damages, and attorneys fees for violations of the FDCPA and FCRA. 

I expect a response to this letter within 15 days, confirming the removal of the disputed debt from my credit report and cessation of all collection attempts. 

Sincerely,
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You literally had enough time to verify this account and because you didnt anytime send me even XXXX shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We ( myself and my daughter ) have tried unsuccessfully to open a fraud investigation with Bank of America since XX/XX/XXXX as a large sum of money was recently noticed to be missing from my checking account. On XX/XX/XXXX we called a started to give Bank of America dates and sums of some of the transactions- most in XXXX XXXX were ATM withdrawals of {$200.00} on a regular basis sometimes up to 4 times a day. Bank of America could not finish filing my claim because I did not have the ATM/debit card number associated with my account even though they had my ( now ) closed account number. We called back on XX/XX/XXXX to try to finish opening a case/claim but were unsuccessful again. I am an elderly man in his XXXX 's who is a naturalized citizen who speaks no XXXX and is not technologically savvy and even with my daughter 's help, we are getting the run around. The amount taken from my checking account just in XXXX alone is {$120000.00}. We have yet to receive the statements from Bank of America for XXXX after two weeks of waiting. I am also upset that when these transactions took place, the bank never called me to notify of such suspicious activity.
Consumer complaint received 2023-07-05
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2022-11-27
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. (IL)

On XX/XX/22 I sent Transunion a dispute letter breaking down to them how they violated my rights as a Consumer. It's been 30 days and I still haven't received the appropriate results.
Consumer complaint received 2024-03-27
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. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-03-04
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: Experian Information Solutions Inc. (GA)

CREDIT REPORT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Experian, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : XXXX Amount XXXX {$100.00} Party Owed : XXXX XXXX XXXX XXXX  XXXX XXXX {$1400.00} Party Owed : XXXX XXXX Amount : {$910.00} Party Owed : XXXX  Amount : {$0.00} Party Owed : XXXX XXXX Amount : {$0.00} XXXX Owed : XXXX, XXXX Amount XXXX {$4000.00} Party Owed : XXXX XXXX XXXX XXXX Amount : {$0.00} Party Owed : XXXX XXXX XXXX  XXXX Amount XXXX {$71000.00} Party Owed : XXXX XXXX XXXX  Amount : $ - I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. 

Enclosed may be additional evidence to support my claim. 

Sincerely,
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (CA)

Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (IL)

I have received notification from Phoenix Financial Services that I owed medical debt from XX/XX/2017. The information in the letter I received contained misspellings of my name and referred to an ambulance company in California ( a state I have never visited/been ). After researching the company and calling their customer service number, I learned that the information they have on me is incorrect and requested that they file a dispute. The company had reported this debt collection effort and I learned that it has affected my online credit score significantly The company requested I file a police report, however, the police department informed me that I can not file a police report if there was no financial harm/stolen property. The company then proceeded to send me more information about the debt to which I still can not file a police report. 

I have requested that the company allow me to dispute the debt but that has not happened as of today.
Consumer complaint received 2017-05-14
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. (NH)

XXXX  has committed egregious violation in servicing our former account.  XXXX  refuses to take responsibility  for 3 fa iled attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      XXXX  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agencies.  XXXX  offers a lawyered and morally deficient explanation for not responding.  XXXX  refuses to respond any further than attached documents reflect.  XXXX  has done great harm to former clients. Clients have continually corresponded to  XXXX  for redress. These practices must cease.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX, I noticed a new account was added to my already existing account and money had been transferred into this new account and then again transfer out into another account. The fraud department to the bank institute was called, informed of my findings, and a claim was file. I was asked if I had a joint account, and my answer was no. My findings are as follow : An account was added to my existing account on or about XX/XX/year> without my authorization. 
o My actual savings account ends in XXXX and the fraudulent account ends in XXXX. 
A total of 3 transactions were done totaling {$42000.00} : o {$27.00}, XXXX, {$9900.00}, {$5100.00} were transferred from my actual account into the fraudulent account. 
From my checking account ending in XXXX a total of {$1100.00} was also transfer debit. 
Once the money was transfer to the fraudulent account, money was then moved to another unknown account via ATM : {$17000.00}, {$9900.00} and {$6200.00}. Another {$9800.00} done online. 
I was told an investigation will be conducted and the account will be restricted. I was then instructed to go the bank in person and open another account. It was then when I found out about an individual had added themselves as a joint account without my authorization and this individual resides in California.

Two weeks later received two separate letters stating the transactions were authorized and no further action was necessary. Call the fraud department to request for an explanation and to appeal the decision. Was not able to get anywhere, was told that there was nothing they can do and to go a bank branch. An ID theft report was done and a police report as well. In one of the visits to the branch, I found out that the account was open in person by 2 individuals, one in which was impersonating me as I don't reside in California. Once again called the fraud department on XX/XX/year>. During this call was transfer to 6 different people, all the while having to repeat the whole situation every time.

In total made, four visits to a branch in Florida where I reside and four different phone calls. Just kept being bounced around with no end results. Finally, after speaking with 6 different people on the last call, a new claim was done regarding all transactions. Waiting on that decision.
Consumer complaint received 2024-09-20
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. (NC)

I recently received my credit report and notied an account was not reporting accurately. It shows that I have had a late payment on my account when in pact this had been paid on time. The consumer reporting agencies need to reportall information with completeaccuracy this account has not been late on payments i've attached a copy of my report to this complaint. I am not requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified and provided, I demand these payments be updated to paid on time immediatedly. Thank you for your understanding and prompt action.
Consumer complaint received 2023-07-02
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. (CA)

According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have attatched a document supporting my claim of XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX reporting inaccurate information on my credit report, I highlighted all inaccurate parts of the report. 

IM REQUESTING THAT ALL ACCOUNTS MENTIONED TO BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate XXXX  XXXX  : date opened is inaccurate, balance is inaccurate, high credit is inaccurate, past due is inaccurate, last reported is inaccurate, date last active is inaccurate, date of last payment is inaccurate, two-year payment history is inaccurate
Consumer complaint received 2023-05-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1900.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX, XXXX ACCOUNT # XXXX ACCOUNT Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX, XXXX Account # XXXX Account Name : US DEPT OF ED/XXXX Account # XXXX Account Name : DEPT OF EDUCATION/XXXX  Account # XXXX 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OK)

I applied for the American Express Delta SkyMiles Platinum card on XX/XX/XXXX. When I applied, the advertised promotion ( see the attached screenshot ) was 75000 bonus miles after spending {$3000.00} in the first 90 days. While on the phone with the agent, I specifically asked him if a ) this promotion applied to applications taken over the phone rather than just online, and b ) if, were I to be approved for the card, I would receive the 75000 bonus miles promotion. He answered " Yes '' to both questions. I asked him again to verify the terms of the promotion, and he again affirmed that, upon approval of my application, I would receive the 750000 bonus miles. 

In fact, as soon as the application was completed, I received an email stating that my promotional miles would be only 50000 miles. I immediately called AmEx to lodge a complaint. I was initially told that an investigation and decision would be completed by XX/XX/XXXX. After not hearing from AmEx, I called on XX/XX/XXXX and was told that it could take up to eight weeks to complete the investigation. When I called on XX/XX/XXXX, I was told that it could take up to ninety days for the investigation to be completed. When I called on XX/XX/XXXX, I was told that AmEx had decided to award only the XXXX miles. At no point prior to XX/XX/XXXX had AmEx notified of me of that decision, and if I had not called, I would not have learned of it. 

During my conversation with the agent on XX/XX/XXXX, she told me that since the 50000 miles had already been " activated, '' there was nothing that AmEx could do about the 75000 miles. Contrary to what she implied, I have not used any of the awarded bonus miles. It is true that I did spend {$3000.00} in the first ninety days, but that only because I would not have received any bonus miles if I had not done so. 

Not only did AmEx lie about the promotional miles that I would receive, but they appear to have deliberately waited until after I spent {$3000.00} either to make a decision regarding my case or to notify me about it ( which, again, was done only after I called AmEx to inquire about the investigation 's status ). This is doubly duplicitous.
Consumer complaint received 2017-09-17
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: CITIZENS FINANCIAL GROUP, INC. (IL)

I have tried to contact these companies several times without success since XXXX they just switch information to another company and do not really care what you send them. Even a police report or an affidavit.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is for an captial one spark business card. Due to 120 days past due from me being XXXX XXXX XXXX XXXX XXXX XXXX capital one restricted my card. My mom sent payments in manually to the mailing address for capital one. I have never been late prior to my neck injury in XXXX 2022, I had an exceptional payment history. I ask capital one as goodwill to reverse the XXXX late reporting and they refused even though I had exceptional payment history with them. This is no way to treat customers that were injured but still manage to pay their bills on time. I will like someone to look into my account and attempt to reverse the 120 days late reporting.