davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a accounts 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 these items of information Any other adverse items 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 2020-01-09
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CURO Intermediate Holdings (WA)

Company or their collection wing threatened to contact my employer. XXXX indicates that they are threatening to call my employer to tell them that I own this debt. Additionally, it unlikely I owe this debt but no verification has been provided by the company. Likely just scare tactics to try to conjole money out of some one but it should noted and logged. Here are some details : From : XXXX CC : XXXX Law firm mentioned : XXXX XXXX XXXX XXXX   Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the email.
Consumer complaint received 2022-01-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent Credit reporting Agency Transunion multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Transunion the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other 2 credit reporting agencies.
Consumer complaint received 2022-12-27
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 U.S.C 1681.ACCT Name : XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MAGGUILLI LAW FIRM, PLLC (NY)

The debt collector put a different amount than what I owed on my credit report. Credit report said I owed {$5600.00} when I called she said it was a total of {$5400.00}. When I asked her for what it was for she just said XXXX XXXX 's hospital. When I told her the hospital had no record of this money and told her that for a while there was a mix-up with the insurance company and she flat-out called me a liar. When I asked her for the breakdown of the bills she would not give them to me Said she had to wait for the file to get to her desk. I called every single day for a week and the file was never at her desk. Me actually trying to pay this or take care of this bill was like pulling teeth with this collection 's lawyer office. Very rude and unhelpful when I'm actually trying to give someone my money! I had to get a hold of the credit bureau to take care of this. Come to find out I'm not the first person who's had a problem. As a matter of fact many many people have had a problem You could even go on the internet and type their name and not one person has one good thing to say about them. Why are you adding money to my non-existing bill? Oh right my credit report says for personal services.
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-13
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. (NC)

The charge was for a LOT of money from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Chase refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams. 
Additional documentation and request to reopen the dispute were sent via US Mail and have been ignored.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

Balance details XXXX % paid off Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Is
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP (OH)

I have a Checking Account with KeyBank, NA. Because if health problems my account statements, etc. are sent to my business in Washington , DC. Neither my business, any of its or my agents or representatives, or I 9including persons acting with my authorization ) received an ATM debit card from KeyBank, NA for my checking account. Nevertheless, approximately XXXX dollars in ATM withdrawals and debit card purchases weew made with a debit card issued by KeyBank, NA for my checking account. I filed a dispute with Keybank, NA and it denied it without investigation. As I am in Ohio and has been present in Ohio at all times the noted unauthorized withdrawals and purchases were made. Request to KeyBank, NA for ATM and store film, which shows I did not make transactions, have been ignored. I have filed a small claims action in XXXX Municipal Court.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ME)

Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XX/XX/year> which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (PA)

I pulled my credit reports from XXXX and became aware of inaccurate and incomplete account information being furnished by your company to each of the consumer reporting agencies : including XXXX, XXXX and XXXX. This incomplete, inaccurate and erroneous information is hindering my ability to obtain/extend my credit ; it is also causing me to be denied credit. I have previously disputed this information with the CRA 's and it has come back verified. Upon review of each of my reports, I have determined that you are furnishing different information to each agency. There should be no variations or inaccuracies being furnished. I am requesting the information you are actively furnishing to each of the credit reporting agencies that assisted them with determining that this account has in fact been verified by you. As a furnisher, you are governed by 15 USC 1681 ( s ) ( 2 ) to provide accurate information. I am asking you to permanently cease and desist from reporting the inaccuracies below : XXXX XXXX Dispute 1 : XXXX : Upgrade - Account details section, date opened, high balance, last payment and date last active Dispute 2 : XXXX : - Account details section, date opened, high balance, last payment date and date last active Dispute 3 : XXXX : account details section, date opened, high balance, last payment date and date last active.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (GA)

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00}.
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (CT)

Settled in full zero balance Mercedes Benz, Mercedes is reporting I still owe a balance. 
Contacted Mercedes Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX Mercedes contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact Mercedes in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to XXXX XXXX XXXX XXXX. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full zero balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing zero. Not stating Settled in full zero balance per the supporting documents. I asked Mercedes to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX  until XX/XX/XXXX. XX/XX/XXXX I contacted XXXX to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? XXXX XXXX received agreed payment for {$2000.00} from a credit card. Mercedes sent me a letter stating I am in the clear an XXXX will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours.

Sincerely XXXX XXXX
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

My debit card is locked and they are refusing to give me a code to unlock my card without going physically to a bank. Most of the Bank of America 's are closed due to covid. They are withholding my funds that I need access to for food. 
This has been an ongoing issue that hasn't been resolved for 2 days and now it's Friday. I want something done.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Consumer complaint received 2022-12-27
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-27
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending the third complaint about the erroneous information you continuously report on my credit file. For the final time I am disputing all the accounts listed as fraudulent accounts. I am unaware of the accounts. I have been a victim of identity theft in the pass and it seem as if this is a case of identity theft. I know it well to often and I shouldnt suffer any longer for someone elses wrong doing. I would like to dispute the accounts as an internal dispute and an affidavit. Removed the accounts from my credit report immediately and permanently within 72 hours or else I will be seeking a lawsuit on your company for violating my rights and seeking {$10000.00} for damages, hospital bills & distress. This is a serious matter. 
XXXX XXXX, XXXX, XXXX/ XXXX , XXXX XXXX. You can contact me at XXXX or my email for any questions. Also please be sure to list this address and remove every other address, numbers or information that is erroneous from my account within 72 hours. 

Sincerely XXXX XXXX
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

I have a prepaid credit card with capital one. I always pay my bill on time, and my payment posts to my account and the money is taken from my bank. Yet capital one the past 2 months has not let me have the credit for an average of 14 days. So i told them to close my account. They said they would but would not return my prepaid money for 60 days. The agreement i have with them said my money would be returned in 10 business days not 60 as they now state i have to wait for my money. So i am complaining that they are keeping my money hostage for 50 days longer than our original agreement.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I went to the atm to withdraw the money it told me i exceeded my daily limit. That was impossible because I havent even token cash out of this account that day.i tried to withdraw XXXX dollars today from the atm and I couldnt. But I magically got charged the money and Wells Fargo will not refund my money. I even got a paper from the business saying the transaction failed on there end. Wells Fargo is a bunch of crooks.