davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt.This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 

I am sure that I settled this account before because it was not mine. This account was taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

ON XX/XX/2021 WE UBEREATS ACCOUNT WAS HACKED AND CHARGED {$150.00} FOR FOOD PURCHASES IN PENNSLYVANIA AND OHIO. I CONTACTED BANK OF AMERICA AND OPEN A DISPUTE. I RECEIVED A LETTER FROM BANK OF AMERICA THAT UBEREATS PROVIDED DOCUMENTS THAT THE CHARGES ARE VALID. THE DOCUMENT I WAS SENT SHOWS A DIFFERENT PHONE AND STATES THAT THE ADDRESS WAS NOT PROVIDE AND THE POSTAL CODE DID NOT MATCH. I DON'T UNDERSTAND HOW IT WAS DETERMINED THAT I ORDERED FOOD IN STATES I DON'T RESIDE IN AND I HAVE THE CARD IN MY POSSESSION
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I hope all is well.. 

This shouldnt of ever been on my credit to begin with XXXXXXXX XXXX XXXXXXXX from XXXX XXXX. Its been XXXX  out and closed because it meets the FCRA requirements. I need it completely removed from all three credit bureaus. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2024-03-19
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2023 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2021-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

I contacted Professional Debt Mediation on XX/XX/2021 about them fraudulently posting a collections account on my credit report. As a 3rd party to a 3rd party ( XXXX XXXX XXXX, the people who sold them the debt ) of the original creditor, me the consumer, they had no right to place a collections account on my profile. They got caught committing fraud and violating my rights and immediately removed the fraudulent collections account from every credit bureau in less than 4 days. Removal is an admission of guilt so I am commanding monetary relief pursuant to 15 USC 1692k. Every violation listed below is worth {$1000.00} and should be remitted immediately upon receipt of this complaint or I will seek damages in the amount of {$100000.00} for pain & suffering, defamation of character, and mental anguish.

They violated my rights pursuant to 15 USC 1692c ( b ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692e ( 2 ) ( a ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 8 ), and 15 USC 1692f ( 1 ).

That's 7 violations of my consumer rights pursuant to the FDCPA which is {$7000.00} which Professional Debt Mediation , Inc. owes me. I've attached proof of their admission of guilt/removal for your review.
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX an unusual online purchase resulted in my debit card being froze. When I called the bank they advised they could not re-activate my card via phone, I would have to visit a branch. I visited the nearest branch location, and was advised by the teller that a manager would have to assist me. The manager activated my debit card via her desk phone. The process took less than 3 minutes, however she continued to navigate through what I assumed was my account, using her mouse and keyboard. Simultaneously I asked what she was looking at and I leaned forward so that I could see what was on her computer screen. I saw the words Lost/Stolen in red font. I asked her what does lost/stolen mean, and sreplied that I had a compromised account in my banking history. The lost/stolen account she referenced was closed over a year ago. On XX/XX/XXXX I called the banks corporate office and filed a verbal complaint. I received call backs from a person who's position is unkown, on XX/XX/XXXX, who confirmed that the bank manager is no longer employed with them and a District Manager on XX/XX/XXXX, who confirmed that the bank manager did print my account information unneccessarily. I was advised that I would receive a call back, but I have not. 

My privacy was breeched at this bank when the manager printed my personal account information without my permission. Reviewing my account history and printing it, was not required to reactivate my debit card. I have not been able to confirm what information she has gained access to. Also because the incident happened mid XXXX and I did not complain until XXXX, the manager had prints of my personal account information in her posession. No one at my bank has confirmed what private details she has access to. The bank has made very little attempts to resolve this issue. Since the incident I have locked all 3 of my credit reports for security purposes, which affects my employement search, making it difficult to move forward from this incident. 

On XX/XX/XXXX I placed a follow up call to the corporate office. The young lady in customer service confirmed that my prior complaint from XX/XX/XXXX was closed on XX/XX/XXXX. Based on my conversation with the District Manager on XX/XX/XXXX they were still working on resolution and I would hear back from them. Closing the case while leaving me under the impression that we are working towards resolution shows that they possibly intended to forget about me as a customer.
Consumer complaint received 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

After the forbearance Mr.Cooper worked with me and started a loan modification. All the papers were signed and notarized. 3 weeks ago I was made aware that it was approved but I. Had to pay {$1300.00} for it to be approved which was never stated in the paperwork. Now I was told if I didnt pay the modification would be denied and as of today Im still paying the original amount and being charged late fees from the forbearance. They are harassing me and stated they will have to proceed with the foreclosure process. Forbearance ended on XX/XX/21. The bill I received was on XX/XX/21. I signed the loan modification a week before XXXX and they are telling me foreclosure is the only way to bring the loan current. I have the documents stating the loan mod was approved
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I deposited a check for  $XXXX  #XXXX into my grand daughters (XXXX  XXXX) checking account. In order to make the deposit I went into the chase branch on XXXX  XXXX  in XXXX  Louisiana used the side of the counter to write my check and handed it directly to the Chase teller. There we no people around that could have seen my check. The check was accepted and the money was credited to her account..This was a friday afternoon. On XX/XX/XXXX a check cleared my account for the sum of  $XXXX cleared my account which was with XXXX   XXXX. This check which you will note was apparently washed and numbered #XXXX  the last two numbers transposed.Then on that same date a third check for the amount of $XXXX numbered.#XXXX  was also presented to clear my account.but was flagged as fraud by XXXX XXXX  an I was contacted.. This third check was numbered #XXXX   sequential to the first check which cleared.and appears to be a copy of the initial check washed except for my signature. A third fraudulent check in the amount of $ XXXX  .was presented again to XXXX  XXXX  and was identified as fraud. The first two checks that cleared were put into my grand daughters account with Chase. Unknown to me at the time she noticed that there was money in her account that was not hers and attempted to contact Chase. She was unable to get any explanation from Chase and wisely withdrew all of her money leaving  $XXXX  in her account. XXXX  is a college student and did not have any access to my check as she is away at college,. My initial check was only in the hands of first a teller then chase them selves. I am told that the original of the check usually stays a the branch where it was deposited. It is very apparent that check fraud occurred within Chase bank as no one else could have had that first check to wash it. Our only explanation is that the intent was to back the money out of XXXX  account and steal the amounts.. XXXX   and my self were able to get a chase representative on the phone to explain what had happened. The Chase representative during that conversation agreed that this check fraud must have happened within Chase Bank.  Due to this check fraud which appears to have been done within Chase both XXXX and my self have had to close our accounts. In doing so items that were usually automatically drafted from my account have been rejected due to me having to close my account which has been the same for over 20 years. This has required much time to correct. Also both my and XXXX  identity have also been compromised as the only thing missing to completely steal our identities are our social security numbers. This exposure was totally caused by fraud which happened within Chase.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers.

Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SECURITY CREDIT SYSTEMS INC (GA)

I was contacted by Security credit System attempting to collect a debt I never contracted or agreed to pay.The Reported Negative and Defaming information starting XX/XX/2019 on my credit report. I've sent in an debt validation letter and have not received a response with the requested information of original contract between XXXX and I. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( XXXX ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Consumer complaint received 2021-08-01
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. (CO)

A TransUnion credit report was pulled on my name on XX/XX/21 by XXXX ( XXXX XXXX XXXX ) but I have not applied for a loan with this company.
Consumer complaint received 2019-12-16
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 HAVE REVIEWED MY CREDIT REPORT AND NOTICED THAT SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared. Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ... Therefore, this account needs to be deleted. Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five
days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my consumers reporting file and noticed that a furnishers was reporting inaccurate information of an account by the name of XXXX XXXX XXXX. I filed all documents to remove this account as it has been the cause of identity theft.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Previously, I contacted the credit bureaus regarding an account that appeared on my credit report that was fraudulent. Being a victim of identity theft I provided a police incident report, an FTC report and requested verification of the account. The credit bureaus never provided any documentation regarding the validity of the account and the account was deleted from my credit report. However, it has reappeared.

Section 611 of the FCRA states : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted ...

Therefore, this account needs to be deleted.

Also, it is my understanding that according to FCRA the credit bureaus must inform the consumer within five days of any changes being made to the credit file. These credit bureaus allowed the reinsertion of this fraudulent account and never informed me of this reinsertion. The account I am disputing is XXXX  - account number XXXX.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is not mine. Its a fraud account and I do not know why Transunion puts this item in my profile. Its not fair and this influencing my life so much, you can not even imagine. I am not connected with this account. This account is not mine for sure. Please ask Transunion to make investigation why they are reporting fake information and I want this item to be removed from my profile.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, depo

sited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-08-01
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. (IL)

Both Transunion and XXXX  have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.