davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

AMSHER COLL Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XX/XX/2023 Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Contact info Name XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. XXXX XXXX XXXX XXXX | Account number XXXX | {$15000.00}
Consumer complaint received 2022-11-30
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-11-30
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)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Purchase made XXXX XXXX 2017. 
Terms of the purchase were not fulfilled by the merchant [ name redacted ]. I contacted the merchant and asked for an invoice -- he never sent one -- or proof that he had fulfilled some part of the terms of purchase. He did not do so.
The purchase I made was not delivered, so I am requesting charges be reversed. I sent a letter from another similar merchant ( attached, ) stating that this merchant 's behavior was not standard, not ethical and that charges should be reversed. Chase had requested this letter from me.
Only response from Chase was " we called the merchant. We 're not reversing charges. '' Did not justify this position. Did not address anything in the letter I sent from the other merchant. Did not say why they believed the merchant [ name redacted ] was justified in the charges or what they discussed with merchant [ name redacted ] that contradicted my letter from other merchant.
The letter from Chase informing me of their non-action was sent by XXXX XXXX XXXX. 
I also have a Chase bank account and Chase private client member and this customer service is unacceptable and substandard.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing regarding my attempts to receive an annual credit report, and to place a security freeze on my credit information with TransUnion. Regarding both XXXX XXXX XXXX, I was able to accomplish both of these tasks on line quickly and easily. 
However, with TransUnion I have been totally blocked from both receiving an annual report and with placing a security freeze. On XXXX and again on XXXX I attempted to use the online service, XXXX to receive my annual reports. When applying to TransUnion, I was told repeatedly that my application was blocked due to high volume. After several tries, I was told that I had received my report already. ( I have not received a report ). Today, XXXX, I attempted to place a credit freeze on my data. Again, with XXXX XXXX XXXX I was able to accomplish this easily on line. At the Transunion site ( transunion.com ) there was no discernible link to place a security freeze. When attempting to reach them by phone, I was repeatedly disconnected. On their website I was directed to set up an account, later I came to understand that I would be charged {$19.00} per month for this, and immediately cancelled the account. Clearly, TransUnion is only interested is selling useless products, not in providing the simple info required by law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have repeatedly sent disputes to XXXX, Equifax, and XXXX regarding the inaccurate information on my credit report. Despite clearly outlining the violations they are perpetrating against my consumer report, they have callously ignored my pleas for rectification. It has now been well over 30  days, and their deafening silence is not only unprofessional but also a blatant violation of my rights under the Fair Credit Reporting Act. Attached are copies of all the letters I have sent, meticulously detailing the discrepancies. It is utterly unacceptable that these agencies have chosen to neglect their duty to ensure the accuracy of my credit information, and I demand immediate action to rectify this egregious oversight.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-04-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NJ)

I purchased a NETSPEND prepaid card from XXXX. I called to activate the card and due to after hours I couldnt reach anyone and the card could not be used even though I gave XXXX my XXXX $ and now I have a card with XXXX $ on it I cant use. The company NETSPEND told me they would send me a check and somehow knew the amount, but the card was bad. For some reason Im still waiting for the check in my mail, I dont believe they were NETSPEND XXXX and I believe my phone is hacked cause the same ppl answer all the time. I need an investigator to help me. Ive had identity theft. I call the number in the card and Im always in hold and now the number on the card cant be noticed on the site. Could it be NETSPEND or THE ACT IF HACKING?
Consumer complaint received 2023-05-26
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. (NY)

XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-06-16
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Aldridge Pite, LLP (GA)

My house has already gone through the process of foreclosure. I was notified by my insurance company that XXXX requested to be added to my insurance account just a few days ago. Afterwards, I contacted XXXX and from there learned that Superior Court already had documents pertaining to a foreclosure, but I 'm still in the home. I picked up documents from a case that was filed and documents that show XXXX and others holding my title at this time, and I was never notified. The filing process started back in XX/XX/2016. Please see documents attached.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I the consume have sent TransUnion multiple letters for them to prove the information that they are receiving from a third party provider is correct and provide proof but they have failed to provide proper proof.. 

The account are in question : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These account are being reported that I owe a debt to witch I have evidence that I do not own anything on these account and that they are being reported inaccurately. I have a certified UCC-11 search from the Secretary of state showing I do not have any debts or liens.

Under the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

It is TransUnion responsibility to make sure the information that they are furnishing on a consumers, consumer report is accurate and true. TransUnion has not done this and it is a violation.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I made a purchase for a tune for my car through ssi the guy was a jerk he lied played games the entire Time he emailed me the tune I had to ask him where he sent 5 times when I got the tune and installed it the tune was trash car didnt run right it smoke stalled and the maker was trying to blame it on my car but my car runs fine with the factory tune the mod that I did was ad a after market turbo with a turbo you have to change the map sensor to a 2 0r 3 bar map sensor this guy From ssi should have told me to go out and get a new one because its only a 1 bar your car wont even no the turbo on it with a 1 bar that I didnt find out until I took it to someone else to tune and had to do it so I was suppose to get 2 tunes and only got one the was complete trash so Bank of America gave me credit 1/2 a credit the guy breech of contract I should have got full credit just for breech but the tune was garabage
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

Someone opened a US Bank and XXXX XXXX XXXX credit card in my name around the same time. I've contacted both banks to resolve this issue and even sending my ID as proof as I did not open any accounts. Please check the IP Address from where the accounts where opened. 

I had no access to this cards nor did I have anything mailed to me
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mendelson Law Firm (TN)

I filed an original complaint against XXXX XXXX  and received a response from XXXX XXXX to seek further info about my complaint with the company. I explained that they have told me SEVERAL times that they don't have my debt and that it is being " handled '' by Mendelson Law Firm in XXXX Tennessee Upon contacting them about the unlawful practices as advised by the FCRA of trying to collect a closed debt, in addition to a vehicle that was resold, they don't have the title to, wrote off with the IRS, and sent to another agency MENDELSON LAW FIRM that I don't have a contract with and the " Law '' representative won't speak to me or contact me to discuss this illegal process. I have reached out to them and no response on several attempts.