davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA (NJ)

I contacted Tenaglia & Hunt, P.A to discuss a debt that they said I have with XXXX XXXX XXXX in the amount {$5900.00}. Tenaglia & Hunt, has put a levy against my bank account ; however, they have not provided any proof that the debt is mines, nor have the provided me with any documentation that I was served with a lawsuit. When I spoke to XXXX XXXX XXXX they informed me that they do not have any knowledge of the debt and I would need to speak with Tenaglia & Hunt, P.A.. According to XXXX XXXX XXXX Tenaglia & Hunt, P.A. has had this debt since XXXX. The interaction with Tenaglia & Hunt they have been unresponsive, rude and dismissive over the phone. XXXX XXXX XXXX has told me that they do not know what is going on with the debt and that I need to contact Tenaglia & Hunt.
Consumer complaint received 2017-10-25
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: EQUIFAX, INC. (IA)

Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.
Consumer complaint received 2023-03-01
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. (IN)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (GA)

My only name is XXXX XXXX My only address is XXXX XXXX  XXXX XXXX GA XXXX My only employer is XXXX  XXXX XXXX XXXX XXXX XXXX There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report.

Regardless there are forms of my name and addresses that should not appear in my credit file.

Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed. 
Sincerely,
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to express my deepest disappointment and frustration regarding the recent experiences I have faced with Bank of America. As a customer who has been with your institution since 2018, I have always been a staunch advocate, proudly recommending your services to all my acquaintances. However, my unwavering trust in the bank was shattered last month due to a series of mishaps that not only caused me immense stress but also led to severe anxiety.Being a XXXX with my family 's roots firmly planted in XXXX, my life has had its share of challenges, and the added pressure from the bank in the past month has been overwhelming, triggering XXXX XXXX. The ordeal began during a business trip in another state when my credit card inexplicably ceased to function. Despite spending days on the phone with your representatives, the issue remained unresolved, compounded by the impractical requirement of providing physical identification documents while I was away from home.Upon my return on XX/XX/XXXX, I was shocked to find a notice threatening to freeze my account within a day if the requested documents were not submitted, despite no prior email notification. Racing to the bank, I spent hours trying to rectify the situation to no avail, eventually resorting to paying {$40.00} for overnight document delivery. Today, I received the devastating news that my credit card has been closed, leaving me feeling deeply hurt and confused.As a diligent and faithful customer who has consistently met all financial obligations with the bank, the emotional toll of these events has been unbearable, reducing me to tears for XXXX consecutive days. With all my financial dealings exclusively with Bank of America, I am now seriously contemplating terminating all relationships with your institution and closing all my accounts.I implore you to conduct a thorough investigation into these occurrences and provide a resolution that addresses my concerns. The treatment I have received is unacceptable, and I sincerely hope for a swift and fair response to rectify this situation.
Consumer complaint received 2023-03-01
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. (VA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC (WI)

I did not open an account on XX/XX/2023 with XXXX XXXX, it says I owe XXXX dollars that I do not have from them never even received. I keep getting calls from a debt collector and they are very abusive and rude, called XXXX I do not have any documentation of this debt as I do not own this debt. 

My ssn can be used and brought up all my used names and phone numbers, but it doesnt make it my debt. 

I was even told that I opened this debt from an address I havent lived at for over 10 years.
Consumer complaint received 2023-03-01
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-03-01
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)

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CORNERSTONE CT XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} NCB ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$47.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$38.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$34.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$45.00} XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$36.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX XXXX XXXX XXXX : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX XXXX XXXX {$43.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX Balance XXXX {$47.00} XXXX ( Original Creditor : XXXX ASSOCIATES XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$47.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$39.00} XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$47.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$43.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$39.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$38.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX : {$38.00}
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (MS)

Yes my account was closed back in XXXX I have been reaching out to this bank about my available funds in the account because my account was compromised and I was told by the merchant my refund was sent to this account. They will not tell me anything keep saying its under review but in reality they dont want to give me my funds out on my account its been 3 months they have no number to call then them dont respond back to emails! Im upset because I have been patient waiting on my funds out of my account
Consumer complaint received 2023-02-02
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

The company XXXX XXXX XXXX XXXX showed up on a property report search on my property for the amount of {$4900.00} recorded XX/XX/2013. From my credit union XXXX XXXX XXXX. Lein Type Judment Docket number XXXX. I '' ve asked them to show me why I own this and they said i need to fiqure it out with the county, XXXX County wear it was file from. I told them they requested the lein they should know why?. They blew me off and wouldn't help me. I don't owe them anything. It doesn't show up on my credit bureau. Just my the property search. After doing some research wily a friend in this field they must of done this by name not buy social security number of the person who owes this debt. In still a problem for me.
Consumer complaint received 2023-03-01
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these accounts as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-02-15
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. (LA)

My name is 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 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (MN)

First of all, Chime Bank? It's NOT a bank. It's an Internet service so right off the bat, Chime is misleading. 

Attempted 4 times through chime customer support to have this issue resolved, or assisted in any way. I could get no higher than the original agents supervisor, even after several requests for either a superiors phone number or email. I was lied to twice in order for me to get off the phone. The chat agents will not listen to you, state what's obviously obvious ( i.e. if you go to the chat option you can use chat to talk to an agent ). I had two chats ended after I was asked if I had any more questions. I Immediately responded " yes I have a few '' and the agent blew past my comment and said " well if you don't have any more questions I will end the chat now. '' They literally go out of their way to do nothing for you. I hate complaining to support because that person probably doesn't get paid enough to deal with bs all day everyday but I had no other choice! I asked for help, and I got my time wasted, my issue went unresolved, and almost condescending answers from agents. 

My issue? I wanted either one of my mobile deposits to have some of the funds made available 7 hours earlier than expected because it's my birthday. Why am I broke? Because chimes mobile deposit confirmed my original paycheck deposit, and then notified me two days later, when I was expecting my funds, that the check I submitted wasnt accepted due to a shadow. 12 days later my first check arrives via mail along with my second check. Does chime card? Absolutely not. They told me they can not process the check because their system won't let them. Which is the lousiest excuse from a company I've ever heard. I was basically told " Chime can't help you because Chime won't allow Chime agents/supervisors to do or help with anything ever. ''
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: Experian Information Solutions Inc. (FL)

In Accordance with Fair Credit Reporting Act XXXX XXXX account # 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 an account without my written instructions.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CA)

Made transfers to this prepaid card and when I tried to use the card I was declined by " not authorized '' my access to the online/mobile app has been restricted and the company makes the funds on the account unaccessible to me.
Consumer complaint received 2023-05-15
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. (MI)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
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)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Collections that are being challenged XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2022-10-03
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.