davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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. (LA)

On XX/XX/XXXX I filed a dispute with XXXX, XXXX and Transunion for XXXX  XXXX  XXXX  and asked for a debt validation letter and was told that it would take 30 to 69 days to provide a letter. I asked for the Collection to be removed form my report during the investigation and was told tha5 it can't be removed. I received a notification stating that the collection investigation was completed and that the information was verified. I asked Transunion and XXXX to provide in writing the information used to verify the accuracy of the debt and was told that they don't have to provide that information to me that I needed to contact the collections agency. The Collection agency stated that they would send the information but ut takes up to 69 days to receive the information. XXXX deleted the Collection after stating that the collections could not be validated and that they had no proof provided from XXXX. In the midst of the collections being removed from XXXX XXXX XXXX who is believed to be a sister company of XXXX  added a collection for XXXX dollars, because they stated that my insurance didn't pay the entire bill and that I owed XXXX XXXX because of that. I never received a letter from XXXX or XXXX XXXX. XXXX XXXX  stated that they emailed me to notify me of the bill but that they can see that there has been no activity on my email address inbox. XXXX also stated that the statue of limitations will be up in XX/XX/XXXX. A Transunion supervisor stated that they do not adhere to the Fair Crefit Reporting Act when I asked about the items being removed until the investigations are complete. XXXX and Transunion also allowed XXXX XXXX to continuously update my report monthly until I disputed the collections and proved that I didn't owe a bill due to incorrect insurance filing on the original debtors part. I was also told that even if I submit the request for debt validation in writing that it would nit make a difference because Transunion and XXXX does not provide validation of debts.
Consumer complaint received 2022-12-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (VA)

This is my 4th complaint against Contract Callers. A collection was re- added to my credit report on XXXX XXXX. These collection companies must be stopped. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. Is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. Please stop this company from contacting me and harassing me after the last CFPB complaint or I will find a free law service to help me file a harassment lawsuit. My last complaint was filed XX/XX/2022. Why is this activity from this company allowed. I never received mail correspondence from them. This is illegal what they are doing.
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (KY)

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

Experian : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX  : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : XXXX
Consumer complaint received 2022-12-25
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. (OH)

To whom it may concern : 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 U S.C 1681 these accounts ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my violated my rights under 15USC 1681 section 602A. Which states ( I have a right to privacy ) 15USC 1681 section 604 A section 2 also states ( consumer Reporting agencies can not furnish an account without my written instructions. 15USC 1681 section A5 states ( No consumer reporting agency may make any consumer report containing any of the following items of information any Adverse item of information, other than records of conviction of crime, which antedates to report by more then 7 years 15USC 1681 section A1 states a person should not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inadequate.
Consumer complaint received 2022-12-27
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. (FL)

CFPB + Equifax, The companies below have many inaccuracies on my Equifax credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Twice ) Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Equifax credit report for many blatant inaccuracies they refuse to fix.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (TN)

Got texts from American Express stating I had a card. Then a transaction taking place and to go to this website to login and check accounts : http : //americanexpresscardservicescardconfirmationcardXXXX   I instead XXXX American Express and was taken to a different site and then called them to make sure I did not have an account with them and reported it but they said it was not their problem in so few of words. So I am here hoping you actually do something. The website clears as a safe and reliable site from fraudulent website checkers.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Experian, XXXX, and XXXX are allowing companies to have access to my consumer file. After applying for credit recently I was denied. Having received the Denial letter, it stated that I have accounts with newly reported lateness and derogatory accounts. I checked my consumer report and there are accounts reporting negatively that I do not have any affiliation with as well as one account that was never late but for some reason is being reported as late. 

XXXX Is being reported as late. I do not own this account and I do not have any affiliation with this company. 

XXXX Is being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX XXXX being reported as closed and negative. Please remove XXXX is being reported as late, I was never late on this account. Please correct.
Consumer complaint received 2019-02-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

In XXXX, I was reviewing my credit report and had noticed that there was a Santander account that I had not authorized to be opened. I had called Santander about the account, and I had explained the issue to the representative that had answered the phone, and I had expressed multiple times that this account was not opened by me. The representative that had answered the phone had asked me to provide my personal information such as my Social Security Number and my name and Date of Birth. When I was asked to provide my address, I did so, and was then told that it did not match what was on  the account. I reminded her that I didn't open this account, so it shouldn't match, she then proceeded to put me on hold, and updated my correct address on the account that was not mine. I asked about more info on the account and was told that since I claimed it wasn't me, I was not entitled to know anything, even though it was under my personal info. I asked her why she updated my address if this was the case, and she repeatedly avoided the question. She said that the only thing that she could tell me was that it had a negative balance, due to check related activity but wouldn't specify exactly what. She had told me that the account was scheduled to be sent to collections, but again would not tell me when. I called again in XX/XX/XXXX, and when they collected my personal information just as before, they this time told me that based on the info I provided such as my address, that they deemed the account as mine, and that I will be held responsible. I told them about how the previous woman updated my address when she shouldn't have, and they insisted that they would never do this. I then asked out of curiosity, if they had anything on file that they could prove that this was me, since they insisted that I opened the account, and they told me that they are not required to provide me with this information via phone. I visited a local branch and was told to call customer service which provided no assistance before. I have recently noticed this account on my XXXX report as having an outstanding balance due, and this account being on my consumer report has prevented me from being able to open an account elsewhere. I tried to fax a statement and make a dispute about this account with XXXX, but when they communicate with Santander, I get told that this account will be retained in my report, and I am having trouble getting this matter resolved.
Consumer complaint received 2022-12-13
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. (FL)

I am complaining about all the negative items on my credit report per15 U.S. Code 1681 : ( a ) Accuracy and fairness of credit reporting The Congress makes the following

findings : ( 1 ) 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. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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. ( b ) Reasonable procedures 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.
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX I have two credit cards with Bank of America. Both of these credit cards had no annual fee. Neither card had an annual fee until Bank America had to pay a dividend to XXXX XXXX. I now have to pay {$60.00} a year for both of these credit card. {$120.00} a year for no extra benefits. 

Every time I go to a Bank America I am told by the people that work at bac that Bank of America credit cards have no annual fee. I feel like a fool when I have to pay {$120.00} a year for annual fees. The people at Bank of America do not even believe that I have to pay an annual fee. 

I have spoken to many people in Bank of America, I even spoke to a vice president of bank of America. I think the vice presidents name was XXXX. 

I am way over being a fool to go to a Bank of America. The people at Bank of America tell me to apply for a new card. I hope you understand that I have my credit established with the credit cards I already have. 

Please help me. I want the annual fees suspended and I wand the fees I paid back. 

Bank America did give me the fees for my checking account back they just will not budge on the credit cards. 

Bank America Credit Cards : Visa ending in XXXX Visa ending in XXXX
Consumer complaint received 2024-04-17
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: AMERICAN EXPRESS COMPANY (TX)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Amex - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Consumer complaint received 2022-12-27
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. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

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
Consumer complaint received 2022-12-26
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

XXXX has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to XXXX. 

XXXX has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following XXXX false inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX  stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX  as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. 1. Transunion failure to remove a XXXX XXXX XXXX an identity theft account after providing the proper documents. ( XXXX XXXX XXXX ) And, XXXX. Transunion still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )
Consumer complaint received 2020-01-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Big Picture Loans, LLC (IN)

I received a call from a gentleman named XXXX XXXX claiming to represent XXXX  XXXX for a loan I took out 4 years ago. I told him I believed I paid back any loans I had and I did not remember this loan. He had my name, last 4 of my social and my bank account information. He told me to look thru my records and call him back. When I XXXX  his number, I discovered that it belonged to a XXXX year old woman in Illinois. I assumed it was a fake call since he never disclosed the name of his collection agency. After the holiday he began calling my work non stop. I called him back and asked him to call my cell phone. I then asked for written documentation of the debt. He emailed a XXXX   document. It was basically an acknowledgement for me to sign agreeing to the debt. When I called him back, I asked for a copy of the loan contract and application. He began yelling at me. He said he didnt have it but he didnt need it. They were going to sue me for thousands of dollars and I was going to regret acting so dishonorably. He mentioned that I just bought a house and he knew I had the money. The XXXX  document has since been deleted. I dont know what collection agency he represents, and I dont have documents to show I signed a contract for this loan.