davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bull City Financial Solutions, Inc (NC)

A collection agency named Bull City Financial is currently reporting 43 individual and separate medical collections on my credit profile. I recently contacting Bull City to start paying these debts one at a time, however Bull City Financial would not let me choose which accounts I can pay off, and there is no way that I can pay 43 accounts at one time. They told me that anything that I paid them would go towards the grand total of the 43 accounts, and that none of them would be updated as paid until all of them are paid. I told them that this was illegal, but they refused to accept payment on the individual bills. Since Bull City will not accept payment on individual accounts, I want them to combine the total amount owed to their organization in one collection account on my credit report, as opposed to 43 separate and individual listings. I had XXXX, so all of these bills should have been paid already anyway.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, fraudulent charges appeared on my Bank of America Credit Card. I immediately notified BOA and they were able to resolve the matter. It was charges in the amount of over $ XXXX in a foreign country. That credit card account was closed and BOA issued me a new credit card. Then in XX/XX/XXXX, the same charges appeared once again, but on my new credit card account. I phoned BOA and spoke at length with an associate and was assured that it would be corrected. By XX/XX/XXXX, the fraudulent charges were still showing so I phoned once again and was again told by the associate that it was corrected. On XX/XX/XXXX, the charges still appeared on my account so I phoned BOA again. I was told it was a " system error '' and the associate said she resolved it it my favor and it would be showing as such in a few days. That did not happen. Thinking that BOA might be short staffed, I decided to wait until after the holidays and I phoned today, XX/XX/XXXX. I spoke to an associate ( XXXX from XXXX  ), at length who told me he was going to open a claim. Open?? What happened to the other attempts at correcting this? He could not give me an answer. So XXXX took all of my information ( again ) and stated that he was going to submit it to BOA 's research department. He said this will take 45 days. He said he relayed my information to his manager and she will request that someone from the research department reach out to me. 
Today was my fourth call to BOA in an attempt to try to resolve this mess. In the meantime, because of the almost $ XXXX in fraudulent charges, BOA is demanding a large monthly payment due on this fraudulent amount. I do have a small balance that I am responsible for and am making more than the sufficient amnt. of payment for that but I should not, and will not, pay payments for the fraudulent charges on there due to a banking error that BOA can not seem to correct. As a result, my on line banking statement is saying that my payment is " past due ''. Now my real concern is that this many affect my good credit that I have had for years ( I'm XXXX ). 
My hope is that someone at your agency can help, or at least have some suggestion ( s ) as to what I can do about this. I feel like I have exhausted my resources. BOA said there is no one else who can help me, so I hope you can. I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I am submitting this complaint in regards to my previous complaint requesting the removal of the fraudulent items from my Credit File in accordance with the Fair Credit reporting Act section 605b. I sent a dispute letter to the credit bureaus last XXXX XXXX XXXX requesting them to delete these accounts, concerning which I KNOW NOTHING. It is required by law, so I'm sending this follow-up complaint to set up a legal recourse. Credit bureaus are obligated to delete any accounts or information under FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than XXXX  business days. I want them to get rid of the accounts listed below that are erroneously reported because of identity theft. This was brought up in my earlier complaint, therefore I'll ask an assistance from you to delete it as soon as posible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2020-08-15
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. (AL)

I HAVE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. MY IDENTITY HAS BEEN STOLEN AND THESE ACCOUNTS ARE FRAUDLENT. ALONG WITH THE INQUIRIES, I HAVE NEVER APPLIED FOR CREDIT WITH ANY OF THESE COMPANIES. HOW COULD SOMEONE USE MY INFORMATION AND IT REPORTS ON MY CREDIT WITHOUT MY CONSENT?
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I opened a Chase bank account in XX/XX/2020, that they gladly open fully online. I decided since I wanted to have a relationship with this bank to send my unemployment there which to my delight was the same week NY Unemployment sent me all the back unemployment they owed me since XXXX which totals of more than {$23000.00}. Unemployment funds are taxed funds and XXXX decided to froze my account. I told them I couldn't go to the branch because i am XXXX. I can't walk and I can't see from XXXX XXXX. My health is very fragile with my XXXX  XXXX and my XXXX XXXX XXXX that has caused me to lose an eye and both my legs. I am not going to pay for unemployment funds that XXXX wants to keep for their own personal use. They think is fraudulent I don't know this bank seems to do a lot of illegal practices, I do not care at this point if they want to bank with me or not. I need them to send those funds back to NY Labor because thats their funds. They have no right to keep those funds that i will get taxed on while I never touched those funds.
Consumer complaint received 2020-08-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-31
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. (FL)

In accordance with the Fair Credit Reporting act 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 Hey hope all is well I ask the Credit Bureaus XXXX, Experian and XXXX to do and verification on everything on my credit report and they did they stated that everything was accurate. I did my own research and I seen that I have an collection account on my credit report being reported inaccurately with : XXXX XXXX XXXX  account Number : XXXX The account is being reported on my credit report inaccurately and I all I ask is that the Three credit bureau removed the account please and thanks. In accordance with the Fair Credit Reporting act XXXX Accounts, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to inform you that my rights under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) have been violated. These violations have resulted in inaccurate information being reported on my credit report, which has had a negative impact on my financial standing. I demand that you take immediate action to rectify this situation by deleting the affected accounts from my credit report. Furthermore, I expect to be compensated monetarily for the distress and inconvenience caused by these violations. It is imperative that you address this matter promptly and provide a satisfactory resolution. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duvera Billing Services, LLC (NC)

The work that I had done at XXXX XXXX XXXX XXXX in XXXX, nc was completed on XX/XX/2022. My check engine light was reset and the work was complete however, yesterday afternoon I get in my car to go get my kids from school and the check engine light is back on, I havent even been driving my car a week since it was serviced. I am not paying on the contract for that portion of the work if the problem was not fixed. Back in XXXX I used XXXX  with a local mechanic, long story short the mechanic shop made the problem worse and i took it back to them twice, they told me to take it to XXXX XXXX. When I signed up with XXXX, I was told I would have a 3 year warranty for any service that they completed. When I reached out to the mechanic shop and XXXX  about rectifying this they told me its nothing they could do. I paid {$1900.00} a month later to XXXX XXXX and they fixed the emissions system, after paying the local mechanic {$2000.00} for work they claim they fixed but they basically put a bandaid on the real issue. 

I took it XXXX to verify which code was malfunctioning and its the same service that was supposedly fixed by XXXX XXXX XXXX XXXX. My emissions system light has come on twice since they supposedly fixed. I took my car to them today and his words were you need a second opinion, we cant determine the failure. 

I ended up selling the vehicle two weeks after the first mechanic claimed to fix my gas leak. I have a new vehicle now.
Consumer complaint received 2020-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NV)

In response to CFPB compliant # XXXX and the company 's response to my complaint. NCS ( National Credit Systems ) did not provide the supporting documents as requested via to my e-mail or by certified mail within 30 days under federal law. NCS claimed to have mailed on XX/XX/2020 the documents to the address given in my e-mail and it came back as returned?? Provide to me the evidence.. It's very simple, prove to me that the documents were send to me within 30 days as you state. NCS can't because there is no supporting documents and the debt is invalid and they know it. NCS has violated federal law on every level and I hereby demand the debt be removed immediately.
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (UT)

In XXXX of XXXX I open an Apple Virtual Card, I am not sure but someone got access to my account, it could be that someone got information from my phone or some other way but whoever did that made purchases on my card from XXXX or XXXX of XXXX to XXXX of XXXX. I since to avoid any further problems or fees with Apple Cards/GS Bank XXXX XXXX I have paid the card and requested the other virtual card to be canceled and give me a new one. Nevertheless, this difficult and stressful situation has caused me a loss of financial and emotional hardships.
Consumer complaint received 2022-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (TN)

1.I have never had an account with this company PROFESSIONAL CREDIT, REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROFESSIONAL CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 )
( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed on XX/XX/XXXX that XXXX XXXX XXXX was reporting account XXXX on my XXXX report. Also, I checked XXXX and TransUnion and noticed XXXX XXXX is reporting to these two bureaus as well. I NEVER received any noticed prior to them placing this debt on my report for XXXX XXXX so I could have disputed this debt, which is a violation of my FCRA rights. The collection agency has re-aged this account to a date of XX/XX/XXXX. However, according to the original creditors date of first delinquency this is INACCURATE.  I'm requesting that all three credit bureaus delete this account immediately. I have tried to have this rectified through disputing but XXXX and the CRA 's fraudulent verify this information is accurate. 

In addition, XXXX XXXX is reporting an INCORRECT balance that is different from the charge off amount of the Original Creditor. 
This have caused harm to my reputation and prevented me from obtaining a mortgage.
Consumer complaint received 2024-02-07
Product: Credit 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: DIGITAL FEDERAL CREDIT UNION (TX)

I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX  channel business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely anxious and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money returned to me. Since that time I have called, texted, written letters and communicated via the XXXX channel more times than I can count, to no avail. One of the selling points in all of this was low or zero % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam or a very poor operation which has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Digital Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal but had no choice as I tried to negotiate with the " merchant. '' Clearly I was scammed...
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.