davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open on my credit report
Consumer complaint received 2022-12-27
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. (MD)

XXXX is violating the FCRA and not adhering to the law governing such. The accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

XXXX has taken 60 days including the investigation. I have all certified mail receipts.
Consumer complaint received 2020-01-11
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/1999 with a credit limit of {$25000.00} -This is not my account.
Consumer complaint received 2020-01-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MI)

This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.
Consumer complaint received 2024-02-23
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. (MS)

I was looking over my credit report and saw l had some accounts that wasnt mine am a victim of identity theft. XXXXXXXX XXXX XXXX account number XXXXl never heard of this company or ever had an account with XXXX  please delete this account immediately. I sent them a letter on XXXX
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

In XXXX I received a XXXX XXXX from XXXX XXXX. Sometime in XXXX, I was expected to repay this loan. I contacted XXXX XXXX  and informed them of my being totally XXXX and unable to repay this loan. But I was going through the process to have the Government repay this loan on my behalf, through XXXX. 
I was ultimately determined to be 100 % XXXX and this loan was paid off by XXXX. 
( See Enclosed ). 
Just recently I applied for a Mortgage loan. And to my surprise, on my Credit Report was this XXXX XXXX  XXXX being in COLLECTIONS... 
I contacted XXXX, and was informed by them that this loan had been paid off in XXXX. 
Thus, after further review of my Credit Report, I found that ALL OF MY STUDENT LOANS were indeed paid off through XXXX. And the only negative on my reports is this XXXX issue. 
It seems that XXXX XXXX  has taken the issue that whether or not a student is XXXX or not. If they do not personally repay their loan, XXXX will make sure their credit is destroyed for the ensuing future. This is an unfair practice implemented by this college, If a person is deemed XXXX, they should not be penalized for that XXXX. 
Al of the other student loans treated this writer fairly and the credit reporting for these loans are not reported negatively, as XXXX should not be allowed to treat this writer any differently for my XXXX.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (UT)

TDAF is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.
Consumer complaint received 2023-11-29
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. (GA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received a text message from Citibank informing me about a suspicious transaction on my credit card. I immediately called the fraud department and discovered that 4 transactions totaling {$16000.00} ( in less than 15 minutes ) were made in XXXX. I informed them that I did not make any of the transactions and I was in XXXX XXXX, NY. I was assured that the charges will be removed. Soon afterwards, one of the charges was removed but three charges totaling {$13000.00} remained on my card. I made further phone calls and was assured the other charges will be removed after an investigation. 

On XX/XX/XXXX, I received a letter from Citibank informing me that I am liable for the charges because my chip-enabled card was used for the transaction and I had stated that the card was in my possession. As I was sure I did not make the transactions, I immediately filed a police report and submitted a formal letter requesting an appeal the same day. 

On XX/XX/XXXX, I called Citibank fraud department to find out the status of my appeal and was informed that the case was closed and I was still liable because " my phone had made a call to activate the new card prior to the transactions ''. This was the first time I was made aware of the existence of a new card. I did not request, receive or activate a new card. The card in my possession was issued in XX/XX/XXXX and was not due to expire till XXXX. The Citibank representative informed me that the new card was activated by a phone call made from my cell phone. He stated that in less than an hour of card activation, {$16000.00} was charged to my card. My official XXXX phone log proves that I never made a call to activate the card. The logs also show that I was in XXXX, NY when I called returned a call from the fraud department within minutes of the fraudulent transaction. 

I was informed that I had one last chance to contest the charges by Citibank executive response unit. On XX/XX/XXXX, I sent a letter to the executive response unit, including an official XXXX call log that definitively proved I never made a call to activate any card, and that I was XXXX miles away from XXXX at the time of the fraudulent transactions. 

On a follow up phone call with Citibank today ( XX/XX/XXXX ), I was  informed that my final appeal was again rejected. I was not given clarification on why it was rejected or on what further recourse I have. 

To summarize, fraudulent transactions were made with a replacement card I never requested or received. The card was supposedly activated by a phone call made from by phone even though my call log clearly shows that it wasn't me. The credit card was previously used only for recurrent transactions, yet within 45 minutes of a replacement card activation, {$16000.00} was charged to it.
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (CA)

Equifax regardless of previous CFPB disputes continues to intentionally violate DODD- FRANK AND THE F.C.R.A. with lawless, illegal behavior as if there was no policing or law enforcement regarding their behavior. 
PROOF -- -- -- on my bureau XXXX XXXX  HAS A CORRECT DOFD OF XX/XX/2015 Equifax has permitted and conspired with the creditor in BY REAGING THE ACCOUNT by about 4 years costing me over 100 XXXX score points and ruining, fraudulently, my XXXX plus good credit rating to XXXX. 
Equifax has done this multiple times regardless of the law..Equifax was required to act regardless of the creditor 's input.It is obvious to anyone who understands credit that a 30 day late in XX/XX/2015 led to a charge off in XX/XX/2015per legal requirements.This " error '' is intentional not negligent on the part of Equifax.In this case, they can not EVADE RESPONSIBILITY by claiming to be a repository.BEING A REPOSITORY COMES WITH RESPONSIBILITIES to avoid unfair practices of DODD- FRANK and REAGING spelled out in the F.C.R.A. 
CFPB SHOULD LEVY AND PROSECUTE EQUIFAX FOR THIS PATTERN AND PRACTICE OF VIOLATING THEIR BIG 3 STEWARDSHIP.

EQUIFAX SHOULD DELETE THIS ACCOUNT WITHIN 24 HOURS OF RECEIPT ; However, I will likely sue for damage sustained thus far.IT 'S A BLACK LETTER LAW VIOLATION ON THE PART OF EQUIFAX
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

I CALLED MIDLAND FUNDING ON SEVERAL CALLS AND GOT DISCONNECTED.WHEN SPEAKING TO THEM THEY GAVE ME A TOTAL THAT WAS DOUBLE THE ACTUAL AMOUNT OWE. I ALSO ASK THEM TO SETTLE AND THEY SAID NO.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/, XXXX XXXX XXXX located in XXXX XXXX, my client, wired my money ( USD XXXX ) for rendered service through their bank XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX used Chase Bank as an intermediary to transfer the money to my checking account I have at XXXX XXXX. 

XXXX XXXX hasn't received the money to this day. Chase hasn't been able to help me to find out where the wire transfer is. 

I showed them the remittance details, provided as well the UETR number. I checked the routing number as well as my account number to make sure everything was correct. It is. 

My only recourse now to have an answer is to file a complaint.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I reached out to the 3 credit bureaus and Bank of America, about information they are furnishing on my credit report back in XX/XX/2022. I explained about the inaccuracies of the report how it was effecting my XXXX  status. in XX/XX/2022, I was placed on administrative XXXX XXXX XXXX My lively hood started to turn into a hardship, today XX/XX/XXXX, XXXX because of lack of income, I had to sacrifice a roof over my families head or paying bills. The XXXX  I'm feeling just writing is and has been stressing me out, my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in the house. This morning I got an alert of an adverse action that was placed on my credit report from Bank of America, my XXXX XXXX dropped XXXX points today and XXXX points within the past 10 days. I received a phone call not to long after that update, that my XXXX  was gone. XXXX XXXX XXXX XXXX, I reached out to Bank of America before this happen to let them understand my position and how they did have the right to furnish that information, also countless billing errors that needed to be fixed that they ignored. The claimed they did investigation, but I still have not received a copy of the report, no one I know have been contacted about this investigation and I was never called, emailed or contacted about such matter.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

today XX/XX/2020 my XXXX  score dropped from XXXX to XXXX with no explanation. MY credit is impeccable and I am not delinquent in any debts. XXXX did put an erroneous entry in collections, but that problem is being resolved by the XXXX executive office. XXXX XXXX is the contact at XXXX XXXX
Consumer complaint received 2023-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In total, fourteen inaccurate accounts are currently being reported as delinquent on my credit report from the Department Of Education. I have settled and consolidated all of these loans, which have been transferred to another agency. Since then I have been making on-time payments and these accounts are still being reported as delinquent which is significantly affecting my credit score. I've recently disputed these accounts and there still has been no change. Included is documentation I've from the XXXX XXXX XXXX which confirms that these debts have been consolidated.
Consumer complaint received 2020-01-10
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: Experian Information Solutions Inc. (IL)

The loan process was fairly easy. Didn't have any issues until I was notified that I could refinance. Called and stated I am interested in refinancing and XXXX the Branch Manager stated she would get the loan paper work started so i could come in a few days later and sign paperwork. When I came in, nothing was started per the other associate sitting in the office. They also stated i need proof of address and a paycheck. No biggie but, would have been nice to know prior to showing up. Come back with the required documents & specifically ask twice in two different ways whether and hard inquiry would be placed again on my credit from refinancing my loan. Answer was no. Next day, I received an alert stating a hard hit on my credit from XXXX XXXX. Called XXXX XXXX & the lady that answers, stated they shouldn't have ran credit within a year. XXXX calls back and says, " I said there would be an inquiry ''. If that was the case, I wouldn't have done it and told her that. Hook & bait. I was very clear when I asked the question & was told there wouldn't be an inquiry. UNAUTHORIZED INQUIRY needs to be removed from my credit reports.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On multiple instances i requested that XXXX XXXX, XXXX and bank of america provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (MD)

In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and non-verbal pursuant to XXXX XXXX Code XXXX XXXX effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with XXXX XXXX XXXX XXXX and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.