davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
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)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$2200.00}.
Consumer complaint received 2022-01-20
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: BARCLAYS BANK DELAWARE (FL)

Barclay 's Bank says that I have an outstanding bill for {$620.00} on a Jet Blue Plus credit card that I never signed for, authorized, used or owned. 

I have contacted them several times to explain that the charged amounts were not authorized. The last time I called, I was told that they no longer have my account and it was turned over to a credit collection agency. 

These are examples of the charges that they say I have incurred : XX/XX/XXXX Standard purchases {$680.00} XX/XX/XXXX Total fees charged in XXXX {$280.00} XX/XX/XXXX Late payment fee {$29.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Late payment fee {$40.00} XX/XX/XXXX Total interest charges XXXX {$33.00} I am XXXX XXXX XXXX and have never had a credit problem. I am finding this situation very difficult to deal with. 

I truly appreciate any help you can provide. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

This account XXXX inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-09-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

I created a personal Wise ( formerly Transfer Wise ) account ( date unknown - early 2023 ) and the account was deactivated without any reason or notice during XX/XX/2023. On the XXXX of XXXX, 2023, I appealed the decision. The only response I received was an automated response that stated that the Wise team will reach out in XXXX working days. To this date I haven't receive any updates. I asked for an update on the XXXX of XXXX, 2023, no response from Wise. During this time, I registered an XXXX in XXXX and proceeded to open a Wise Business Account under my business email. This account was deactivated ( with funds in the account ) sometime this month, I only realised it when I tried to login on the XXXX of XXXX, 2023. Since it's been about 130 days since my first appeal and still no answer, I decided to contact customer support directly. The initial response was quick, stating that customer support can not provide any info and the only thing that I can do is to appeal. I responded and requested contact information for the manager and/or someone in the appeals department, since the appeals team doesn't respond within the stated 20 working days. I received no response and have asked for and update two times after that, still no response.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Issue with following company : Experian.com ( i.e. a credit reporting company ) Description of issue : On XXXX XX/XX/2022, a ) I successfully created an internet account at Experian to put a freeze on my account. 
b ) I successfully put a freeze on my account c ) I signed out of the account d ) ISSUE : 1 ) When I tried to log into the account to verify I could have access to my account to unfreeze my account in the future, Experian would not accept my username and password. 
2 ) When I called Experian 's XXXX, the computer answering machine had no options to talk to a human 3 ) When I called Experian 's XXXX, I got to talk to a person who told me that I could not access my account because I did not have a membership ( i.e. an account with a monthly fee ). That person asked if I want a free membership and I responded yes. Then, the phone was silent for awhile and the phone call was stopped. 
4 ) When I recalled Experian 's XXXX, the computer answering machine would not allow me to talk to a person 5 ) When I tried to open a free membership at Experian, Experian did not allow me to open a free account Please help resolve this issue. Thank you
Consumer complaint received 2021-11-10
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: EQUIFAX, INC. (PA)

I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted as soon as possible. I have reported the theft to my identity to the Federal Trade commission. I have attached a PDF document reflecting all items. Please investigate these matters and remove the disputed items as soon as possible. Unknown inquires : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on ALDOUS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-10
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: CAVALRY INVESTMENTS, LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

This is a continuation from my other claim. I am going in circles and this is very frustrating and has taken more than 6 months of back and forth of my time to try and get this resolved. My phone was stolen in XXXX, TN, and the thief was able to access all of my online accounts and drain my checking and also do a cash advance on my credit card of {$4000.00}. I had multiple conversations with XXXX from the credit side, and was told that since the cash advance was transferred to my checking account before being withdrawn, I would have to file another complaint to get this fixed with the checking/debit side. My claim that I submitted on the debit side was approved and refunded last year around XXXX time frame. That claim being approved should automatically mean this claim is approved as well, because they are from the same fraud incident, but the XXXX departments being completely compartmentalized has made this process seem endless. I need to get this issue resolved and the {$4000.00} refunded so that I can apply towards my Credit balance. PLEASE HELP.
Consumer complaint received 2021-11-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A XXXX dollar XXXX transfer was fraudulently made on my Bank of America account. Ive made several claims and never got my money back. Its been several months and the bank is denying the claims. Also Bank of America closed my account.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (OK)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

The Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEM ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I notified Chase on or around XX/XX/XXXX XXXX of fraudulent transactions I have noticed on my debit card .The charges started XXXX XXXX in the amount of XXXX, XX/XX/XXXX XXXX in the amount XXXX, XXXX XXXX in the amount {$50.00}, and XXXX XXXX in the amount of XXXX. The representative stated that within 2hrs I should receive a provisional credit that day from the fraudulent charges. 
It is now XX/XX/XXXX XXXX and my account is negative with overdraft fees, account fees, and 1 charge has been reversed of XXXX.
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is continuing to violate 15 US Code 1681 of my Federal Consumer rights. 

They have wrongly reported an amount owed for months AFTER the amount was paid off and after SEVERAL attempts to get Equifax to do what is FEDERALLY / LEGALLY required of them to do. 

The debt they continue to show wrongly, shows a balance owed when the amount has been fully paid off since XXXX 2022. 

This affects my score. This is illegal of Equifax to do. 

XXXX and XXXX are reporting accurately and have been, but Equifax seems to not care about accurate reporting, which is a FEDERAL requirement. 

Equifax has been erroneously reporting this error since XX/XX/2022, and have in replies, told me the reporting is accurate. This is a lie. I have informed my states attorney. I have informed my lawyer. I have informed local area federal judges. 

I have attached XXXX documents showing the balance on disputed account is XXXX. These same documents are in the possession of my lawyers. along with Equifax 's previous replies that their reporting is accurate.
Consumer complaint received 2022-01-20
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: Cedars Business Services, LLC (TX)

I received an alert that a hard inquiry was made on my credit by Cedars Business Services ( XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ). I called the company and they stated the wrong month for my date of birth then told me because of that they could not provide me with any information. They said they would investigate and call me back, which they never did. I never gave this company permission to pull my credit. I have requested they remove the inquiry but they only stated they can not give me further information.
Consumer complaint received 2023-01-15
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. (MS)

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 USC 1681. 

Account Name/Number : 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 XXXXXXXX, 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 a 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. 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 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The last complaint that I submitted in this portal said that Experian was going to delete all of this in 10 business days and they have not. I want this inaccurate info deleted immediately.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hello, I have taken ZIP loan ( Line of credit ) from XXXX XXXX which was managed by " XXXX XXXX XXXX XXXX '' I have repaid amount and initiated account closure from their end. 

I received confirmation from the XXXX support team, but upon checking my credit information, my account status was not updated accordingly under credit bureaus. I have spoken with the respective team and got the conclusion that information is to be updated from " XXXX XXXX XXXX XXXX '' end. 

I coordinated both of them and received response as they have updated information as closed but still its showing as Active status under my report I have attached confirmation chats from XXXX support and the latest XXXX report for your reference. Its been ages, and the issue still persists, Due to this, my financial planning has been impacted, and I couldn't go for a new loan. When I tried to go for a new loan application, it got rejected and impacted my score again. I really exhausted explaining things to credit bureaus, and I need compensation and also resolution from both ends.
Consumer complaint received 2019-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX
Consumer complaint received 2019-02-10
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 filing this complaint because XXXX and Transunion did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 06 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-10-03
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. (CO)

XX/XX/2022 I sent a request to XXXX XXXX to validate a debt they listed. I gave them same info that they furnished to the credit bureaus. They responded telling me the information that I provided did not match any accounts that they have in their system. So I sent them a request to remove this account, As well as sending a request to XXXX, XXXX and Experian with all documentation asking them to fully verify this account and provide me with that information or remove it. 

XXXX sent me a response that its " verified '' - funny how that works because the information was already said to be unverifiable by the company themselves. 
XXXX doesn't do any investigation Experian - updates comments stating it was verified but has zero communication with me. 

Ive included all correspondence as well as copy of credit report.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (CA)

I have repeatedly asked this company to remove this collection from the credit bureaus and they keep lying about the original date of the dept to hide the fact that they sold the dept and that its been over 5 years which is past the California law for limitations on medical dept. Please help me get this off my credit reports because its costing me money and hardship because it has ruined my credit scores.
Consumer complaint received 2024-01-11
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: LJ Ross Associates (CT)

The company, XXXX and XXXX XXXX has negative accounts on my XXXX account. I have disputed this multiple times I have spoke to XXXX and I have reached out to XXXX XXXX XXXX, and I was told that there is no count found in my name or with my Social Security number.
Consumer complaint received 2019-12-24
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AES/PHEAA (PA)

American Education Services continues to violate the Fair Debt Collection Practices Act applying to the Borrower, XXXX XXXX, which states under 805. Communication in connection with debt collection where XXXX XXXX respectfully requested that after making initial contact advising of a payment date upon a payment ( s ) becoming past due, that no further communication be directly sent to Borrower AND Cosigner. AES claims that the promissory note gives them permission. If it violates an Act set forth in this nation by the people of this nation, then the promissory note should be void of that specific clause. AES has also since deactivated my online use of the account to make payments in an attempt to retaliate against my continuous pleas. 

American Education Services was notified on XX/XX/XXXX via email that the account would go past due by 30+ days, but that the borrower, XXXX XXXX XXXX had every intention of bringing the account current by paying the past due amount by no later than XX/XX/XXXX. AES, in turn, revoked my online access which is used primarily to make payments. 

805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.