davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (MS)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-08-16
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group (PA)

To whom it may concern, Re : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CKS Prime Investments. 

They have failed to VALIDATE ANY DEBT
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses XXXX remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX
Consumer complaint received 2023-08-16
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I have been trying to close my business checking account with Huntington Bank for a month now, and it hasn't happened yet. This is such strenuous attempt just to close an account. I do not live near a branch so going in branch is not an option for me. So I sent a notarized letter but that didn't seem to do it. What's the hold up? Please close my account. The balance has been at XXXX for over a month now too. 

Please see dates and actions I have taken : XXXX Called XXXX to close account ; The phone rep. said I have to send a notarized letter, and the account will be close 7-10 business days after they receive the letter. 
XX/XX/XXXX Mail notarized letter requesting to close account XXXX Called XXXX to ask if they have received my notarized letter sent a week ago. The phone rep. said they have no way of checking with that closing department. I just have to wait. The only way to know that account is closed is when I couldn't log on to my account. 
XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to wait. 
XX/XX/XXXX Called XXXX to ask why account hasnt been closed. The phone rep. said they can't do anything about it. I just have to keep waiting. 

This is unreasonable. I have been waiting for long enough. Please just close the account. 
Thank you!
Consumer complaint received 2022-12-06
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. (TX)

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/XXXX because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, I have been sending letters to all 3 credit bureaus since XX/XX/XXXX regarding an inaccurate account that they are reporting, but they have failed to send anything validating this account. XXXX, XXXX, and Transunion are reporting late payments for account OFFICE OF THE ATTY GEN XXXX when I was never late. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 5 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. I will attach the dispute letter that was sent in XXXX. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

It all started in XXXX, when he received an email from the IRS. asking me for tax documents. So, on Friday, XX/XX/XXXX, I called the XXXX team to recover my Email Account and phone number because they had been hacked. Then this person called XXXX XXXX from XXXX told me that my computer and phone had been hacked. He also told me that he had to check my bank accounts and asked me which bank I had? Then he linked me to a PNC Bank agent to help me with that case. His name is XXXX XXXX. He told me that he worked in the tower at PNC XXXX XXXX XXXX XXXX XXXX, PA XXXX he already had full access to my bank account. And he said that there was a transfer of XXXX USD to XXXX that had already purchased XXXX XXXXXXXX. Then he told me that to cancel that transaction I had to make another transaction of that same quantity so that there were XXXX and to be able to have the fake one. And then I put my money in a high security account that same day, Friday, I withdrew XXXX XXXX USD from my debit account, I went to the local bank to withdraw the money and deposit it in a XXXX machine, and then all that money would return to my secure account. After he took out all that money, on Monday weekend, which was Saturday and Sunday, he did nothing, he started asking me to buy gift cards at XXXX XXXX and XXXX and cards for the amount of XXXX USD and XXXX  USD. In the end I got tired Oh because I saw something strange in everything that was happening and I went to my local bank and told them about this person and they told me that they didn't do that and that I had been scammed.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, I deposited a check ( less than $ XXXX ) to my checking account via Chase quickdeposit. Prior to completing this transaction, I researched the policy & procedures in the FAQ 's through Chase online banking app. The deposit met the stated criteria. In the small chance the check was placed on an uncollected funds hold, it would only have been XXXX business days as the check was local. I felt I had been proactive in choosing this option. That could not have been farther from the truth. Not only did Chase decide to place the hold on the check, but they placed a XXXX day hold. After visiting the banking center XX/XX/2023 we were told there was nothing she nor I could do about it. Ok, fine. XX/XX/2023 we expected payroll direct deposit like it does every XXXX weeks .That never happened due to Chase placing fraudulent/freeze hold on our account due to the quickdeposit made XX/XX/XXXX. Chase states the check is fraudulent which XXXX XXXX is not the case.. The check is from a major hockey organization iin Washington State. Currently Chase has given us XXXX access to our funds, not even payroll, leaving us with no money. Chase has been completely unhelpful in anyway Chase has repeatedly gone out of their way to be inconvenient. They have inappropriately profiled us. There has not been XXXX employee at Chase to exhibit even the slightest bit of customer service. I am disgusted with this financial institution. When this is all over with, I will never step foot inside this bank & I will make sure to tell anyone & everyone about this experience & the lack of compassion exhibited by this institution. 
Had I choose to go straight to the bank the check was drawn on, I wouldn't be in this predicament, so I take partial responsibility. That being said, the way Chase has handled this has been completely unprofessiona to say the least. Btw, this is an established checking for many years with several tens of thousands of dollars that has gone through this year alone.
Consumer complaint received 2023-01-04
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. (NJ)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TN)

I switched from XXXX to XXXX about XXXX years ago. Everything was up to date back then. Since then, I have never once received a call, letter, text, email, etc from them stating that there was a bill owed. Recently ( 4 years later ) I've noticed a ding on my credit report. It's from a debt collector called Credence. I called them and they explained that it was XXXX and told me that if I paid half right then over the phone then they would write it off. That seemed sketchy to me so I decided to do my own research. I then call XXXX and they said they have no record or knowledge of that debt. I don't know what to do because if I truly owed the money then I'd happily pay it. I also don't want it on my report and I don't want to fall for a scam if that's what it is. I called XXXX and they pointed me here. 

I also find it odd that the Credence collections account was created just a few months ago, years after I switched from XXXX. Why would it take XXXX years to send that bill to collections?
Consumer complaint received 2023-08-16
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. (TN)

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.

The letters are stated with items and issues.

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 2018-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waterfall Revenue Group (NJ)

I began getting multiple phone calls on my cell phone on XXXX XXXX, XXXX and XXXX, XXXX as well as my wife 's cell phone asking for me. 
I did return the call and it is XXXX XXXX agency telling me they are trying to collect a debit from XXXX XXXX, XXXX. 
I have never received any notices regarding this in the past almost 5 years and they insist they have been sending them. 
They verified my address correctly and told me they would be reporting to the credit bureaus until I paid this debt. 
I have no information regarding what it is for. 
They said they would mail be something and they continue to call my cell phone today twice already. 
At this point, they are harrassing me and will not give me any information. 
Why have they not been bothering me in 5 years and starting now? 
I have had the same cell phone number since then and same address. 
I fear this is a scam.
Consumer complaint received 2023-08-16
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. (NY)

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 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 that need to be investigated and removed from erroneous reporting in my file are listed on my credit 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 XXXX
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX. Please delete this account ASAP.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NV)

On or around XX/XX/XXXX I contacted Navy Federal Credit union to advise them that I had just been released from the hospital after being admitted to the hospital for almost XXXX months due to my body rejecting a XXXXXXXX XXXX I also advised Navy Federal that my XXXX credit cards were being used fraudulently in XXXX and in other countries. They agreed to open an fraud investigation on my behalf, I even explained the situation with navy federal on how things had occurred. That I was trying to open my car door when my body had just shut down due to my body rejecting my XXXXXXXX XXXX The hospital is pointing the finger at the ambulance company and the ambulance company pointing the finger at the hospital. The hospital is saying I arrived VIA ambulance without any belongs ; no purse, no wallet, no ID, no Cell phone basically saying I arrived with absolutely nothing.The Ambulance is saying upon arrival to where my body was there was nothing there. No purse, wallet, no ID no documents. So, basically when my body decided to shut down someone stole my purse which had everything in it. It had my credit cards, debit card, photo ID, insurance card, cell phone, passport, money, medicines many many things to much to list. When I contacted the credit card companies and open my fraud claims I also provided them with police report number along with an detective name, address, report number and direct phone number along with his extension to where he can be reached. I have been in contacted with him on many different occasions and have never had any issues with him not answering me or calling me back most of the time whenever I have needed to speak to him and ive called his number he always answers me. What hurts me or upsets me about this situation is Navy Federal opened my fraud claim on or around XX/XX/XXXX but denied my fraud claim on XX/XX/2024 so what I am saying is not even XXXX week you did am investigation on my fraud claim and let me remind you that my credit cards were being used in XXXX and many different countries. This makes no sense to me how were you able to due a full fraud investigation that entitles different countries, along with many transactions. I am sorry to involve you in this incident but Navy Federal left me no other option. Please help me with this as this is no fault of mine and I feel that Navy Federal truly did not investigate my case. It is not feasible to do especially in less than a week time frame.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX po box XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.
Consumer complaint received 2023-08-16
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. (FL)

This is my numerous 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, FL XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance Owed : {$13000.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (NY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 2023-08-16
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX