davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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. (MS)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has charged me {$420.00} in overdraft fees on accounts ending in # XXXX and # XXXX since XXXX XXXX. I called on XXXX to discuss the fees being waived or reversed as I explained none of the transactions were paid and some even charged me a NSF fee 3 times in one day.I was told that Bank Of America would not return the fees as it was not a banking error. I explained to the representative the purpose of having overdraft protection is to cover a transaction if the funds arent there, then charge me {$35.00} non sufficient funds fee. Out of a total of 12 transactions, Bank of America did not cover one, yet charged me {$35.00} each time a transaction came through and funds were not available. 
I was told by representatives that this was in a disclosure upon account opening. I further explained to representative that was not the way the account setup was explained to be when I opened it. I was told that I had the option for overdraft protection which would cover my transactions if funds werent there and charge me a {$35.00} fee. This is unscrupulous to take hundreds of dollars from a customer especially being on a fixed income.
Consumer complaint received 2022-12-18
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. (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 : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  Reference ID : XXXX 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Which is verified on XXXX  : XXXX. 

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (WI)

I was trying to access my account and I don't remember my password or username ; I also don't have the card connected to my account so I called XXXX BlueBird Prepaid card customer support that I got from their website, and Bluebird told me they couldn't help me without verifying my email address. I recorded the conversation. I verified all my details through the automated messaging portion of the phone call. I have the email address on file and asked if they can send a verification code to the email so I can confirm it, but they refused to. I'm not sure if they could or could not but I'm pretty sure that is the correct email because all my statements get sent to this email. I told them I can send in my state ID, social security card, birth certificate or any other identification card or bill. They said they couldn't help me without me confirming my email address and told me there was no other option. I need assistance reordering my debit card connected to this account. Just stating again, I don't remember my username or password, or the card connected to this account. Everything is outdated and need to be updated. I have an audio recording as supporting evidence that I attempted to attach but it's over the XXXX limit XXXX  require, I don't want to reduce the file size because I want it to be unaltered and the original version. But I can forward that as well.
Consumer complaint received 2021-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHECKredi of Kentucky, LLC (NY)

I made a payment for a returned check via payment portal. Then the very next day they charged me again. I was assured on XX/XX/XXXX that this would not happen and that I had a XXXX balance. I called on XX/XX/XXXX and was merely inquiring about the debt. On XX/XX/XXXX I made a payment online and confirmed receipt and confirmed that I would not be charged via ACH transaction for this debt. Call on XX/XX/XXXX was at XXXX, call on XX/XX/XXXX was at XXXX. When I called today at approx XXXX they denied existence of second phone call and when I told them I recorded it they magically produced it. They claimed that the representative was referring to my payment via ach and not via online but I specifically pointed out to the representative on XX/XX/XXXX that I was referencing the online payment to prevent any ACH payment and he acknowledged that they would not charge me. The very next day they then did transactions which put me further into the red as I now am unable to pay a resubmitted check from another merchant and was not expecting to have the funds be depleted via checkredi. The collector is CHECKredi of Kentucky LLC, XXXX XXXX XXXX, XXXX, KY XXXX. Reference number is XXXX. This company pressured me into making an online payment knowing full well that I would be double charged via ACH transaction and would then have to fight to get my monies back from them. They also engaged in deceptive practices in both phone calls providing false assurances and claiming that I was abusing them and when I pointed out that I was not using foul language or being abusive in anyway just interjecting when I needed to point out on a recorded line that they were being misleading then they insisted that they would not be able to help me. It is important to not use any type of check pay service to get a discount at convenience stores and gas stations. it is also important to not use a checking account to pay utilities or the like as they will have direct access to your monies and NSF fees can eat you alive. In addition use a debit or credit card that has fraud protection and preferably a credit card to make any transaction so that you have recourse should the vendor/servicer not provide you with goods rendered.
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, XXXX, Transunion and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/2024, I was notified by the credit reporting bureaus that a debt collection from " Transworld System INC '' was reporting on my credit report. I was never aware of any debt that I had and they did not ever attempt to contact me in any communication form. I contacted them on XX/XX/2024 and they stated that they " contacted my by email and phone '' but I have checked all of my emails and my phone records as I do not delete any emails and call logs and there is no evidence that I received an email or call from them. I searched specifically using the email address they gave me to search by and there is no attempt to contact by them.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (NJ)

XXXX XXXX says I owe XXXX for service at an address that I was not living at the time they mentioned the debt is from XXXX and I contacted landlord company and Apt was leased to a XXXX XXXX XXXX from XXXX and I have lived in New Jersey since XXXX can you please help me in this matter
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of items which are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$330.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5300.00}.
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

SPS, XXXX provided fraudulent statements in a response to my complaint, please see attached. SPS XXXX the Bankruptcy Court Notified them about a Bankruptcy I filed 4 years when XXXX was the mortgage holder on the property. I spoke with XXXX Bankruptcy and my attorney, no notice was sent to SPS about my bankruptcy. If SPS was sent notification I would like a copy of the notification.
Consumer complaint received 2020-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax is reporting incorrectly a ( 30 ) day late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed a payment on this account. XXXX  and XXXX  are reporting correctly. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates is a secondary collection agency that apparently purchased this debt from the primary lender. Portfolio Recovery Associates never notified me of this debt, nor did they give me the opportunity to ask for proof of this debt. This is not my account and I do not owe the money asserted by this collection agency.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc. (OH)

In XXXX of 2021 I had a loan balance of {$1200.00} XXXX sent a payment and of {$1300.00} on XX/XX/XXXX they said I had {$700.00} in late fees I spoke to XXXX XXXX that I wanted to pay the principal and negotiate the late fees because of XXXX. She said send the payment and then we can negotiate. I sent in the {$1300.00} which they paid off the late fees first and left a balance on the principal. They paid more on the late fees. Which now again left me behind with the principal loan amount.
Consumer complaint received 2019-12-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Webcollex, LLC (MD)

I am so furious that any company can have power to mess up your lifelyhood to that extent without one 's knowledge most of the time, and they walk away free like this???. Inaccuracies on credit reports costed a lot. I stumbled on my credit report found out that a company named CKS Prime Investment claimed I own them money which I had no clue about. I never entered any agreement nor made any transactions with them. I tried calling them, no info. I filed complaints to the credit bureaus to remove the information so far, no success. 
I can't believe it's that easy for companies to target your life without consequences and no one says anything about it. I have no real address for this company, no manager to speak to in order to formally have this information removed from my credit report. 
I am against these 3 bureaus which allow such practices without reaching out to costumers. I would have never known otherwise that such injustice was hanging on my head.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2021-12-30
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. (GA)

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

Transunion removed account according to do XXXX and Transunion.com Dispute file number:XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX XXXX {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

My name is XXXX XXXX XXXX someone had opened a bank account in my name in a different city. USAA was the bank they were bouncing {$400.00} checks Until it reached in about XXXX in fraudulent cash.