davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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: Experian Information Solutions Inc. (OH)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the XXXX XXXX XXXX because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2019-12-31
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. (MO)

XXXX XXXX, Equifax and XXXX  have all been sent legal documents about a collection account on my credit report from a bail bond agency. These documents prove that this account is to old to be on my credit reports. These documents also prove that the account belongs to someone else. I'm sick and tired of filing disputes with them about this problem.
Consumer complaint received 2022-05-04
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 XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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
Consumer complaint received 2022-12-26
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. (GA)

In accordance with the Fair Credit Reporting Act DEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Consumer complaint received 2020-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/XXXX at approximately XXXX I went online to book two rooms with XXXX XXXX XXXX in XXXX XXXX Oregon for Arriving XX/XX/XXXX - XX/XX/XXXX, I received the confirmation numbers XXXX XXXXXXXX & XXXX. At approximately XXXX XXXX   I called the XXXX XXXX XXXX to cancel one of the rooms and they didn't have the any reservation for the rooms but when I gave them the confirmation numbers they told me that they were booked though XXXX and gave me their phone number XXXX. When I called the number a man named XXXX said their cancellation policy was no cancellations no refunds! I explained to them that I didn't want to use XXXX and there was nothing that said it was XXXX on the website. The website said XXXX XXXX XXXX XXXX so I thought I was booking with the XXXX XXXX XXXX! XXXX said he would cancel the rooms and I they sent me an email that showed they cancelled both rooms. I also contacted my bank but they said since I used my debit card that I would have to contact the merchant. On XX/XX/XXXX I called the merchant and spoke with a lady named XXXX, I asked her if she was with XXXX and she said yes and then she said they were partners with XXXX! When I gave her my confirmation numbers she said I would get a refund within 3-5 days, then she said no their policy was no refund no cancellations and I was out of luck! She then started talking real fast and said she was tired of going over the same thing. I asked to talk to a manager and she said they will say the same thing and there was no manager there. I said you can't cancel the rooms and keep my money!!!! She said that was the penalty for cancelling the rooms because the hotel charges them that! and she kind of laugh and said I was out of luck! I called the XXXX XXXX XXXX and asked them if they did that and they said no! We are talking about {$1600.00}! I cancelled within 2 hours and I don't believe the they should be able to keep my money and I have nothing! This was deceiving website! I believe they are a fraudulent company! They have in very small print non refundable! The confirmation for the cancellation was done on XX/XX/XXXX! When I call the number they say do I want to know about my reservations but they sent me a email that says status cancelled! I do not want to deal with this company as I think they are a scam company!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters.

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns.

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction.

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities.

Implement robust security measures to prevent future occurrences.

Provide full restitution for any financial losses incurred as a result of these fraudulent items.

Offer compensation for the inconvenience and emotional distress caused by this ordeal.

Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$620.00}.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-12-26
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)

In accordance with the Fair Credit Reporting Act DEPT OF ED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  FRAUD REMOVE Have violated my rights 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. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.
Consumer complaint received 2020-06-10
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)

This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX XXXX  XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (FL)

This is my final request to investigate and remove fraud accounts. I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below XXXX XXXX XXXX Date fraud - XX/XX/XXXX XXXX  XXXX XXXX date fraud - XX/XX/XXXX XXXX date faraud - XX/XX/XXXX I have proofs that all of these accounts are not mine and I spoke with banks, they going ro remove everything from system. Please remove from all 3 bureau all fraud accounts as soon as you can. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2023-06-28
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. (FL)

XXXX XX/XX/2023 This company ran hard enquiry on my report. I have no knowledge what is this company and how they had access to my information. 
1006.18 False, deceptive, or misleading representations or means.
Consumer complaint received 2020-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (OH)

The original loan amount is for {$1000.00} with XXXX. On XX/XX/19 I initiated communication with the organization to correct the reporting on the NSLD. Since this time I have contact them via email or telephone on every other business day to secure the correct information and documents to provide to my college. Each time I call there is a different response, a letter was submitted requiring 9 months of payments before they would correct any reporting. The proceeding response from the organization is they are sending the information to the account specialist for a response. This organization does monitor each call and documents my communication, this information can be retrieved supporting my communication, request and lack of responses. The information on my loan message documentation is in correct I have made more calls since XX/XX/19. 
These efforts to delay has created additional emotional stress and financial stress to my education process. The person whom is responsible or the Supervisor has not address this ongoing problem.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

XXXX illegal/fraudulant wire transfers and XXXX XXXX XXXX transfers were made by scammer. 
We had no knowledge that money was being stolen from our checking account. 
Details as follows : XX/XX/XXXX wife receives a text message telling her XXXX order is confirmed and your account will be charged {$490.00}. Inform us at XXXX if you haven't made a purchase. Wife called the number and was told to download a shared screen app. She shared screen and signed into our JP MorganChase checking account so the person impersonating XXXX can put the {$490.00} dollars back into our checking account. While she did this the impersonator made the XXXX of XXXX wire transfers to XXXX Bank, XXXX XXXX for {$3500.00}. XX/XX/XXXX wife receives a follow up phone call from XXXX impersonator telling her they need to put money back in our Chase checking account. She shares screen and a second wire transfer {$6900.00} is made to XXXX Bank, XXXX. Wife gets text from XXXX ( XXXX ) XXXX : Thank you for choosing XXXX. You have received a credit of {$3500.00} on your Chase checking account. Amount may reflect in a while. Regards XXXX XXXX Billing XXXX XX/XX/XXXX Wife gets repeat text from above number and person Thank you for choosing XXXX. You have received a credit of {$6900.00} on your Chase checking account. Amount may reflect in a while. XX/XX/XXXX Wife gets text to call XXXX impersonator. Final wire transfer to XXXX Bank, XXXX was made from our checking account for {$8900.00}. XX/XX/XXXX I happened to look at our checking account to pay bills and noticed these XXXX wire transfers. My wife had no idea that these impersonators were stealing money from us and making wire transfers to bank in India. I also discovered XXXX consecutive fraudulent withdrawals from our checking account through XXXX XXXX XXXX CA each for {$500.00} -total {$2000.00}. I immediately called Chase Bank to report the fraudulent activity. Chase did a 1 month investigation and concluded they are not at fault because my wife shared her screen with these impersonators. I have been a Chase customer for more than 25 years and have never made a wire transfer. Chase should have called to inform us of these wire transfers before they were made. They have taken zero responsibility for approximately {$20000.00} in illegal wire transfers out of my Chase checking account. Any suggestions on how I could recover the money?
Consumer complaint received 2022-10-05
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)

Im accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish a account without my consent. 

Credit inquires Trans union XXXX XXXX  XXXX Bank ) XXXX XXXX XXXXXXXX XXXX Auto ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST (WY)

I have a bank of the west checking account. Under this account I have other linked accounts. one of those accounts was closed without my knowledge or consent. Now I would like to use that account and have come to find out it is closed. I was given no warning of this activity, and now upon trying to another account I am told through many prompts that the addition of this account is disabled. I have wasted over an hour inputting my information and clarifying the accuracy of my personal data for this application. In the future I would like to be notified of account activity PRIOR to actions being taken. It is an absolute waste of time and extremely frustrating to fill out an application for 30 mins, then be blocked, then wait on hold for 20 mins for a  representative to tell me that I need to wait until XXXX XXXX  and start over!
Consumer complaint received 2022-12-26
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. (NY)

I XXXX XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-10
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: EQUIFAX, INC. (FL)

XXXX  Credit Monitoring notified me of XXXX XXXX XXXX incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX  as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX  account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XXXX/XXXX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX  and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX  and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.