davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
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. (TX)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2021-11-24
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: American Profit Recovery, Inc., Marlborough, MA Branch (CA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX2021 I sent a letter out regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a credible response yet. I feel like I am being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to properly investigate any items within 30 days gives a reason to immediately remove them from the credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

In XX/XX/XXXX I reviewed my XXXX credit report and noticed that their was a collection being reported on my credit file. I contacted the debt collector Credence asking for " Validation. '' They in return respond with a simple letter with 4 lines and several pages of an XXXX XXXX XXXX bill from XXXX. 

I then wrote to them again in XXXX XXXXstating that I could not identify this information and to provide more information. Once again, they responded with a simple letter with the same 4 lines only a different date on their letter. They provided the same XXXX XXXX XXXX bill from XXXX with no further clarification, information etc.
Consumer complaint received 2021-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

As of XX/XX/XXXX an alleged creditor by the name XXXX XXXX XXXX is reporting an account on my consumer Experian credit report in the alleged amount of {$2200.00}. Experian was in receipt of dispute letter on XXXX XXXX, 2021 @ XXXX XXXX  There is an alleged original creditor listed as XXXX XXXX. Which makes XXXX XXXX XXXX a third-party debt collector. This account is not mine nor is any alleged debt mine, nor do I have any contract to do business with XXXX XXXX XXXXXXXX. I have written a certified mail letter to EXPERIAN and the CFO for Experian to verify the accuracy of the alleged account and alleged debt dated XXXX/XXXX/21 titled " Notice of Dispute Demand for Validation and Proof of Claim ''. As of XX/XX/XXXX Experian has failed to provide consumer with any accurate validation in writing pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I expressed my right to demand that Experian disclose to me all of the documents they have recorded and retained in consumer 's file at the time of request concerning the alleged account that EXPERIAN is reporting on my credit report. Experian can not just reply in writing stating that EXPERIAN has verified any alleged accounts without providing the supporting full disclosure documents of how EXPERIAN has verified any alleged accounts or any alleged debts. I have not seen nor received any documents to support XXXX XXXX XXXX claims, nor any documentation from EXPERIAN for them to be reporting this alleged debt on consumer 's credit profile, which has violated and damaged consumer 's credit worthiness dropping score 92 points. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because EXPERIAN was unable to provide the necessary documentation.
Consumer complaint received 2024-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Biehl & Biehl, Inc (MN)

I received a notification from a debt collector. the creditor name is XXXX XXXX. I TRIED to start a newspaper subscription. They NEVER delivered ANY of the newspapers. I believe the carrier is XXXX and said he was making deliveries but he NEVER gave me any of the papers. XXXX XXXX is trying to collect a dept for a service and product they NEVER gave me. I am not paying XXXX for something i never received. i would like to sue them for fraud and for discrimination. 

BIEHL & Biehl , INC. 
XXXX Creditor Name XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to you in response to this debt collector. 

I am disputing the debt because the product/ service was never sent or provided to me. 

I contacted XXXX XXXX MULTIPLE TIMES via their portal. The paper was NEVER delivered. They did not deliver ANY papers. I am not paying XXXX for a paper or product I never received. They did not deliver any papers, rather attempted to charge me. The service was never started as no papers were ever delivered. I contacted XXXX XXXX that I believe the person that was supposed to deliver my paper is a XXXX  XXXX and was attempting to charge me but never delivered any of the papers he was supposed to deliver, when the order was set up. Send me any proof that the paper was ever delivered to my address. XXXX XXXX should be sued, and the paperboy should be fired. I never received this product ( newspaper ) or service delivery of the paper. 

If the XXXX XXXX doesnt drop this debt I am going to sue them for negligence. I will be charging XXXX an hour for my time and my stress to deal with this FRAUD collection, stress this has caused me and my family and knowing that a homophobic and prejudiced staff member of the XXXX XXXX knows my address. 

Time spent on this fraud charge : XXXX hours ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX
Consumer complaint received 2022-12-22
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: Maximus Federal Services, Inc. (SC)

This account never authorized by me and is a fraudulent account XXXX XXXX XXXX XXXX XXXXXX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TN)

Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Thaxton Investment Corporation (GA)

Heights Finance is states Ive borrowed and received monies from them. They also state that Ive made on time payments in XXXX & XXXX of 2023. Id like to see proof of these payments. Id like anything from a receipt or transaction statement with this information.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (GA)

Citicards CBNA has been reporting a fraudulent account on my report since 2022. XXXX XXXX XXXX and wasnt in the country the last few years. They wont validate or remove the fraudulent charges.
Consumer complaint received 2023-01-14
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. (NC)

Identify Theft : 1. XXXX XXXX XXXX XXXX I have disputed this account over 150 times and never have I done business with XXXX XXXX XXXX. 

Name and/or badge number of the law enforcement personnel who processed the report : XXXX XXXX XXXX Sheriffs Department XXXX XXXX XXXX  Case Number # XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On both XX/XX/XXXX and XX/XX/XXXX my certified mail letters were received by Transunion letting them know that my report contained errors. I wrote to them saying that these accounts needed to be removed from my credit report if they were not accurate. I have been struggling to have this inaccurate and false and misleading information removed from my consumer credit report. From my understanding of the law, my personal and private information should not be furnished without my written permission which is a violation of 1681 ( e ). Also there are clear mistakes all over my report even after letting it be known to transunion which is a violation of 1681 ( e ) ( b ). I can not be approved for anything! This has been ongoing for months and ruining my quality of life! ALL INACCURATE accounts and information MUST be removed. They are NOT the same across ALL THREE reports.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (AZ)

Around XXXX XXXX we started with not being to use our emails. Then we got charges on our Chase account that were not ours. Then we lost telephone service and internet service. When I spoke with XXXX, they said we were hacked. they gave us a phone # off the person who hacked our account. They said this person changed our passwords. XXXX XXXX XXXX. I dont know this number. We just got a bill from XXXX for XXXX plus dollars. on a XXXX card. We dont have a credit card from costco XXXX We have numerous password lost. If there is more info I cant remember right now.
Consumer complaint received 2023-12-01
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. (CA)

I have previously submitted a letter to the TransUnion bureau requesting the removal of certain inquiries and inaccurate address from my credit file. Despite this, the inquiries and inaccurate address detailed below persist on my credit report, thereby violating Federal Law. TheTransUnion bureauhas failed to adhere to the stipulations outlined in the Fair Credit Reporting Act, specifically under 15 USC sections 1681i, within the designated time frame. The continued reporting of unconfirmed information is not in compliance with the regulations. I urge TransUnion to promptly remove these inquiries and inaccurate address entirely from 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
Consumer complaint received 2023-01-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2021-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (NC)

I paid 8 medical collections with Medical Data Systems. Upon payment I was advised they would remove the accounts from all 3 credit bureaus. To date the accounts remain on XXXX. When I disputed the accounts with XXXX, Medical Data Systems advised me to not dispute the accounts and because of the dispute is the reason why it remains on the report. It is within my rights to dispute inaccurate items on my credit report and thus illegal for Medical Data Systems to continue to report inaccurate information. In addition, to them ill advising a consumer not to dispute information on the report when it is my right as a consumer.
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX2021, I walk into the XXXX XXXX SunTrust XXXX. I was down the street from my attorney office. I had just received a settlement check. Since the check was a SunTrust check and I am a SunTrust customer I did not see an issue. I deposit half in my checking part in my savings and received about 2k cash back. Friday afternoon the following day I went to the SunTrust drive thru and cash my payroll check. The bank did not alert any issues or problems. Later that evening I went to use my debit card and was told it was on hold for fraud. When had I asked why? I was told when I deposited my check at the XXXX XXXX, SunTrust XXXX the teller put a fraud alert on my account and I needed to go to a branch location. I went to the XXXX location, and they could not tell me what was going on they stated that they would issue me a new card. I was still able to pay bills and I was able to conduct business as usual. Tuesday XX/XX/XXXX I try to login to my account, and it states it is inactive. I again go to the branch they now say my account is being closed because the check I deposit is now considered fraud. I contacted my attorney office they stated SunTrust never spoke to them and stated they do not have contact information for the back-office research team that is handling the issue. They do not know when the funds will return to me or when they will return the funds to my attorney bank account. They offer no resolve, and they were asked if it seemed unusual for a check to be deposit why didn't they contact the account holder they said that's not their job.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Using the app COINBASE I purchased a certain amount of tradable goods called XXXX. The purchase, as indicated by the purchase receipt, was a total of {$1000.00} USD in exchange for XXXX XXXX. Shortly after the purchase this good was " frozen '' and over the course of several days COINBASE changed the amount of holdings of XXXX to XXXX. While I understand the value of a holding will fluctuate the actual amount of said holding can not change without some action on my part. To date I have neither sold, nor traded away any of my holdings in XXXX. The amount has simply been altered.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (NJ)

The bank sent a letter stating my bank accounts was freezed due to potential fraud and that pending review of the account may result in a closure and a check mailed to me for the balance. Per several conversations Ive had with the Fraud Department, chargeback department and customer service the account balance was resolved and accounts closed. However, I have received a letter stating that one account was charged off due to negative balance. When I inquired about the negative balance, it was explained that it was due to maintenance fees being accessed. I explained that the account shouldve been closed per letters and verbal statements by the bank so I should have never been charged maintenance fees. Despite several attempts to escalate and resolve this matter, it hasnt been. I spent countless hours trying to resolve this matter with no avail. The bank is non transparent and misleading and has followed their word. Not to mention, the positive balance remaining in my account was never returned.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 I sent {$1600.00} via XXXX to a contactor for the work to be completed. Under the email that he provided, XXXX registered account appeared to be under the business entity name. The contractor never provided any services ( and product that would accompany the service ) and refuses to take phone calls/texts. In the contact that was able to be made, the contractor promised they would return the funds, due to the out of stock items, but have since refused to do so and disappeared. 

I contacted Bank of America at the beginning of XXXX to report the issue, however no money was returned as the investigation concluded that the transaction was " authorized '' and that under the XXXX terms and conditions there is nothing that could be done. 

This action makes sense for XXXX payments, however if XXXX is available to be utilized for business entities ; for businesses to receive payments, deposits etc. there should be consumer protection against fraudsters like the one described above. Alternatively, XXXX should prohibit the use of XXXX payments for businesses/contractors etc. if there are no protections from instances where the other party does not deliver on the promised contract. At this time there is no trust in the XXXX system for business related payments.
Consumer complaint received 2019-12-27
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)

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$35000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 

-- AUTO ACCOUNT -- XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2021-11-24
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. (VA)

First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # XXXX ) XXXX. Ownership of this account XXXX. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (DE)

My problem is deeper than what I can put in this box but I can start. I made a payment on my credit card the funds were available on my card they took it out of my account made it available reversed it saying that it was saying that was reverse payment because there was no there was inefficient funds turned around and made another payment of {$250.00} they took it out of my account applied it to the account and then said that I didn't pay didn't pay them then closed my account but when I talk to a representative they told me that my phone will be available by XX/XX/year> 14 days later after I made my payment I use my card it wasn't available I called again another person told me the funds will be available XX/XX/year> I use my card and still didn't work I called about the issue and then somebody else told me that the account was closed without my knowledge and they saying it's due to because reverse payments our system automatically closed your account due to reverse payments but the money has came out of my account I am out of all this money that I paid them back but they close my account without my knowledge I can't use my card they want me to reapply to hurt my credit score even more and they also put down that I had a late payment which hurt my credit score these are bad practices cuz I made all my payments on time the money was always in my account my car was always available my bank statement was always available they just take the money and put it back and declared it that it was not a payment I'm very upset I need somebody to please contact me immediately