davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a bankruptcy that should not be there from XXXX and I was sick with XXXX  XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong
Consumer complaint received 2020-03-13
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: EQUIFAX, INC. (AL)

In XXXX and XXXX  of 2020 I disputed with Equifax, XXXX, and XXXX about and unverified account XXXX XXXX for {$810.00} medical bill. I also ask XXXX XXXX XXXX   for some verification with my signature showing that I have an agreement with them and this belongs to me without violating my HIPAA rights. in my several attempts to receive this information I received no response from XXXX XXXX. So how is it that the three credit bureaus Deemed this account verified when I received nothing from XXXX XXXX  to prove that this account belongs to me with my signature. wouldn't this be a violation of my HIPAA rights??? 

Also in XXXX  of 2020 I disputed with Equifax and XXXX XXXX   about the inaccurate reporting of XXXX XXXX acct # XXXX on my credit report. The reporting is not consistent showing three different Open dates and this was asked to be removed because of the inconsistency making this inaccurate collection item reporting and this should have been removed according to the fcra
Consumer complaint received 2024-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (IL)

I would like this debt removed from my credit reports. I am disputing owing any and all debts to them. I am also revoking all rights of them communicating with me through email/text/calls. 
12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : These regulations prohibit collection agencies from furnishing false or misleading information to credit reporting agencies. You can dispute the collection if it contains inaccurate details. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I would also like to request a debt validation and purchase agreement from the original creditor. I also want them to furnish proof that they are licensed and bonded. 
The debt has not been accurately reported so It needs to be removed.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-18
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. (CA)

I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a bankruptcy that should not be there from XXXX and I was sick with XXXX XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong
Consumer complaint received 2021-03-18
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. (IL)

I was a victim of identity theft and the following inquiries and accounts must be permanently deleted from my credit profile in 4 days under FCRA section 605B Account XXXX XXXX XXXX {$94.00} Balance updated XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  Home Furnishings Stores Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!
Consumer complaint received 2021-03-18
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)

I have been disputing 2 accounts on my credit report since XX/XX/XXXX! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

A collections company is trying to claim that I have medical services which I needed to pay for. The details of this case which is mentioned are illegitimate. I was under XXXX XXXX  when I was taken in for some type of XXXX XXXX or something. They essentially were trying to verify that there wasnt anything wrong with me & that I wasnt XXXX XXXX or had XXXX XXXX issues affecting my behavior. This is all I can remember about the details on this mentioned collection. The forced examination proved to show that I was in perfect health. So essentially it was a type of forced examination out of my control for no legitimate reason whatsoever. They found nothing wrong with me to validate their reasons for a forced examination & XXXX XXXX. I will never pay for medical services that are ever forced upon me ever, under any condition! For this company to try collect money from me for a service which was essentially fraudulent on every level makes them party to fraud!
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a previous debt with bank of America, I paid debt which was over a year or so ago. I have a letter stating debt was paid, but I'm still getting denied by XXXX which I would like to open a new account. I have called on a few occations but they keep saying they will look into it! I paid the debt so it shouldn't be no issue removing me from the XXXX!
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account Systems has falsely tried to collect debts from me 3 times. Each time I file a complain and request the debt be proved and they change the items on my credit report to {$0.00} balance, but leave it as it had been in collection with {$0.00} balance. I have requested they remove the fraudulent statements on my credit report and they will not do it. They work for XXXX/XXXX  XXXX  ( particularly WoW ) who give them false accounts and then they just accept the dispute and put it at {$0.00}.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

This is my second complaint being filed for Capital one for the two accounts listed on my credit report. 

Validation letter was sent. Company responded but did not provide any supporting documentation requested. This was verification not validation of the debt. 

Capital one sent a second letter stating no statements or current balance could be provided. The account is closed/charged off. 

Attached is the original letter for validation. Capital ones 1st/2nd response for the two accounts in question. 

This 2 account are to be deleted immediately!!!
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: TD BANK US HOLDING COMPANY (PA)

I went TD Banks XXXX XXXX XXXX, XXXX XXXX approximately XX/XX/2021 XXXX. The teller denied me services after I produced my State ID and my prepaid card. The teller informed that my name was on the card and she refused to allowed to obtain the funds off my prepaid card.I received service on this card from another TD Bank XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2021. I was forced to travel 3 to 4 miles and received services from another TD Bank. I believe the teller discriminated against me because I was a person of color. The other tellers that assist me were person of color and had no issues removing the funds of my prepaid card. 
I reached out to customer service so I could retrieve the teller name form the bank manager XXXX XXXX. He has not responded to my request.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year> - XXXX - XXXX XXXX from Chase Security Department called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to Chase, using my name, SS no. with a XXXX address. I said, No I did not create any Chase credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to Security Department of Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with Employee XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to Chase, with the XXXX  address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, XXXX. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on XXXX  and XXXX  to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but may consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as Chase, or other bank. I said no. That's when I challenge him that you closed the application for Chase, and now you're giving an example to move my XXXX balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real Security agent or not. He talked to me fr more than 30 minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from XXXX  he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

XXXX XXXX
Consumer complaint received 2021-03-18
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. (NJ)

XX/XX/2021 a dispute was filed with XXXX XXXX and Transunion regarding an account that was open fraudulently. I have contacted the creditor, creditor closed the account due to fraudulent issues. As I reach out to the XXXX XXXX and transunion, they are refusing stating it meets FCRA guidelines. Such statement is false.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

I contacted Fay Servicing on today and spoke with XXXX. She stated that a Deed-in-lieu was offered in XXXX. I advised her that I did not want to lose my home. I asked XXXX, where were they in the modification process because Fay Servicing had given a letter with a deadline of XX/XX/2020 to get documentation in to them. It was submitted on XX/XX/XXXX but I'm on a foreclosure list for this week. I asked how did they make a decision that quickly to send my home into foreclosure because I was on the list for this week. She transferred me to XXXX, Account Manager but there was no answer. I left my name and number for her to give me a call back. I have not received a foreclosure letter from the attorney, State of Tennessee require the homeowner is to receive a 30 day notice prior to a property foreclosure sale being set. The foreclosure sale date is set XX/XX/2020, I understand it is a mismeandor when the notice is given. Fay Servicing has been hard to work with and has refused to assist me with mortgage assistance
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (HI)

Ive used PayPal for the past 3 years now! 2 weeks ago my friend XXXX sent me {$5000.00} over 4 payments, and had his buddy send me another {$1500.00} through PayPal, {$6500.00} total. Luckily I was able to move {$3000.00} if it to my bank account, but {$3500.00} is stuck in PayPal and they arent giving it back to us! XXXX is planning a trip to Hawaii in 3-6 months so he sent me this money to hold, so I could purchase 2 mountain bikes here on XXXX if & when they come on sale. On XX/XX/2021 I noticed there was a hold on my PayPal account and I still have {$3500.00} in there! PayPal notified me they are terminating my account, that they dont want to do business with me any more! I asked them why & they told me that XXXX was suspicious but couldnt tell me how. They said they couldnt talk about his account to me, & Because XXXX sent me money & Im associated with him, they are banning me too! But We did nothing wrong. I have never done any illegal activity ever. On PayPal or in my every day life, I have XXXX kids & an honest job! Im not sure what XXXX is doing but as far as I know he is a good guy too.. What I did do different this time though, was transfer the first {$3000.00} to my checking account with out paying them fees! This time I waited 2-3 days so I wouldnt have to pay the 1-2 % they charge us! I had to verify my account again bc it was the first time I moved money without paying them! I believe this is the reason they terminated my account because they didnt get a Sevice Fee from us and their cut of the {$6500.00}! I have paid PayPal hundreds if not thousands of dollars through XXXX and through them directly over the past 3 years. I have records to prove it.. We are currently living through a pandemic & people are struggling!! Many times looking for money for food, and rent! PayPal is a billion dollar company, why are they allowed to steal money from their customers like this!?? I have heard countless people come out and tell me PayPal has been doing this to a lot of people and there is a good chance PayPal will try to take this {$3500.00} from me in 6 months! Please help, please tell me what I did wrong! I am willing to reverse the transactions, refund XXXX and he can send me a check, but stealing it from us is UNACCEPTABLE.. if they dont want my business I can live with that just fine! I will use a different payment method, but taking our money and banning us at the same time is preposterous!! Help! 
From XXXX  ph XXXX
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (TN)

The company JEFFERSON CAPITAL SYSTEMS LLC did not give me the opportunity to dispute. I did not receive enough information to dispute regarding this debt. They are in violation of the Fair Debt Collection Practices Act 15 USC 1692C and 15 USC 1692d ( 1 ). Remove this account immediately from all of my consumer reports.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/21 send police report of Identity theft to company, company received on XX/XX/21. Company responded the fraudulent accounts were verified on XX/XX/21. On XX/XX/21 I requested all the information that would support the verification of the fraud accounts have not received any response from company.