davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C (NY)

XXXX XXXX XXXX XXXXXXXX account was frozen/money was levied on or around XX/XX/XXXX {$2500.00} and {$120.00} for additional bank fees. 

I went to the court to get information regarding a defaulted judgement and I realized that I was a defendant against XXXX XXXX XXXX XXXX XXXX and had my address as XXXX XXXX XXXX XXXX XXXX, NY XXXX. I did NOT live there and XXXX XXXX XXXX XXXX Unions address is in XXXX XXXX NOT IN XXXX XXXX. 

Page 4 : Proof of Service dated XX/XX/XXXX, XXXX Its very interesting that even the processor knew that I did not live at that addressXXXX XXXX XXXX XXXX XXXX NY XXXX Page 5 : Will show address history with New York Department of Social Services ( WIC ). Client was living at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX from XX/XX/XXXX to XX/XX/XXXX. 

Page 6 : I filed an Order to Show Cause and stated reason I did not appear in court was because they had the wrong addresses listed XXXX XXXXXXXX and XXXX XXXX XXXX, NY XXXX. 

Page 7 : The Court put the case on the calendar again and gave the date of XX/XX/XXXX at XXXXXXXX XXXX 

I went to Court, and the Court told their counsel and the judge what happened and they ignored the fact that I had been served at the wrong address. They rescheduled for a later date. Judge wants me and Kirschenbaum to settle the case, but I am furious that she had a defaulted judgement against me and they have took my money.
Consumer complaint received 2023-02-04
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI (IN)

This is my third complaint against this company. They are now reporting that I paid 2 % of the total debt owed. But they are not reporting any payment history, any amount of payment received, or any dates showing that the payment was paid. These is misrepresentation of payment received, and false reporting of amount paid.These are violations of the Fair Debt Collection Practices Act and a violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-08-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GRIFFIN FUNDING, INC. (TX)

Griffin Funding , Inc is promoting to have access to " wholesale VA loan rates '' for their customers. This is deceptive advertising and a predatory lending practice intended to lure in and deceive veterans. There is no such thing as " wholesale VA Loan rates. '' Griffin Funding Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2021-01-03
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)

Spite years of efforts both transunion and XXXX have been impossible for me to upload identity theft victim documents through their portals. Although I understand they're apprehension I'm entering my complete information every time and it then does not allow me to dispute and correct information due to identity theft or fraud and that just can't happen. Since the XXXX leak in 2017 my credit has gone up and down like a roller coaster due to identity theft and I'm involved in the class action lawsuit for more than XXXX in damages with XXXX
Consumer complaint received 2021-01-03
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-01-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

Last year during COVId I was out of work and my mortgage company Chase Mortgage put me in a forebearance program for a year which they said they would then rework and put the money owed on the end of the loan after the year was up I had not heard from them about the new payments and when I contacted them it took several months for them to finally tell me I have to pay all the back payments owed by the end of the year or my house will go in foreclosure and they are not offering me any other options
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

Each XXXX for the last XXXX years I have tried to get my Credit Report from Equifax and I always get to the same result. Online Delivery Unavailable is the response I always get and it says that I have to get it by mail. I go through the same procedure and have excellent and easy online results from XXXX and XXXX  but Equifax will not get me my report online. Why is this? I found online that others have had the same result. 
What is going on? What should I do? I don't like sending sensitive information in the mail to them.
Consumer complaint received 2021-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did not authorize this company to pull my credit. I have asked Bank of America and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There were significant delays in receiving my EDD BofA Debit Card which were not my fault. Due to these delays, I had to apply for an emergency cash transfer from XXXX XXXX. This is a state service, just because it is privatized out for management does not mean that XXXX XXXX XXXX and other due process rights dont apply. Instead of sending any kind of notice, XXXX XXXX told me to just call a bunch of times to see if it had been processed. My first transfer was denied, apparently, no reason given. My second was approved, but they did not communicate with me that I would also have to call to check for approval. I was entitled to both a denial and an approval notice. 

Secondly, I dispute the {$15.00} fee that was imposed for this emergency cash transfer. While the fee notices are posted, I dont see any info on how to dispute this deprivation. For {$15.00} I should at least get notices.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MI)

I sent IC Systems an affidavit of truth and invoice for {$12000.00} back in XXXX. They violated several laws under the FDCPA and have not sent a rebuttal to my affidavit, meaning it is true. However, they have not paid the invoice that they are now liable to and only sent me a letter saying the accounts were being sent back to who they came from. It's too late.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. I had a checking account for my small business, XXXX XXXX XXXX XXXX XXXX, with Bank of America. 

2. The account had an overdraft fee in error on XX/XX/21 in the amount of XXXX dollars. There were funds available in the account to cover the ATM transaction when I made the transaction ; and in the ledger balance to cover the transaction when it posted on that evening. 

3. On XX/XX/21, I called BOA customer service and I attempted to get the fee reversed, but the agent, XXXX id XXXX, insisted there was no error. 

4. On XX/XX/21, I closed my account. 

5. Then XXXX stated that there could be additional overdraft fees because the account was closed if other items came in after the closure, and asked, was that okay with me? 

6. I said it was not and she said the account was already closed. 

7. I asked for a supervisor and am still currently waiting for a supervisor. 

8. I have lost online access to the account. 

9. After a long wait of nearly an hour on hold, XXXX attempted to transfer me to XXXX, but instead transferred me back to the call queue. 

10. Then, after waiting again in the queue, another agent came on the line, XXXX, who reopened the account in order to consider waiving the fee but then did not waive the fee. 

11. I asked for a supervisor again. Was told a manager would come on the line. Spoke with XXXX XXXX. 

12. I advised XXXX XXXX that I am expecting a refund from XXXX in the amount of {$86.00}. Ms. XXXX concurred that that transaction was the cause of the fee and that if the refund processes to the account, then the fee will be waived. Otherwise, BOA refuses to waive the fee. 

13. XXXX said I have to keep the account open both to receive the XXXX refund and fee refund.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have two accounts with XXXX. XXXX reports onto TranUnion, the other does not. I am trying to understand why the one account does not. The card has been open for 20 years, and has a {$43000.00} credit line. Both of these factors could potentially play a major role in my FICO score. Who knows what effects this has had over the years on business decisions I have made. Oddly enough, the tradeline reports on my wife 's TransUnion credit bureau, and she is simply an authorized user. 

I have contacted XXXX on three occasions. XXXX of last year was the first. They advised me the would " push the tradeline through ''. After 90 days of it not reflecting, I called them again. They said they could push the tradeline through again, but it wouldn't do any good because it was already pushed through. To this day, it still has not been pushed through. 

A few weeks ago, I decided to dispute the tradeline with TransUnion. They have since completed the investigation and no changes were made. I have done nothing but make payments on time and fulfill my obligation as an upstanding customer. If I stopped making payments, the tradeline would be reported as derogatory on my report. This is completely unfair that as the primary cardholder, this card is not reporting onto my file. 

This is a last effort to avoid legal action to fairly, and accurately, report this account onto my credit bureau report. 

XXXX
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (GA)

If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the XXXX XXXX Data Field Formatted Reporting Standards, as per CDIA guidelines! 

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within XXXX business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-01-03
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. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc (WA)

PayPal overestimates foreign exchange costs, takes the money from my account and then will not return the XXXX  post transaction. I have tried to get a refund and can not get one and I am being pressured to add more funds or open a credit card to use my balance. There is likely XXXX  of dollars that have been collected this way. I have asked for almost TWO years for a refund or the ability to use my money balance.
Consumer complaint received 2017-08-05
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. (GA)

I contacted transunion on XX/XX/2017 regarding some information on my report that does not belong to me. I requested that they provide me with verifiable documentation that this information belonged to me. Futhermore I explained to them that my information was being used by a family member. The letter they returned to me explained their investigation process but no proof that the information belonged to me or why they have not acted on my claims of identity theft which has been documented time and time again.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2021, I sent a method of verification letter to XXXX, Experian and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For The Past 2 to 3 Months, TRANSUNION, Has " INSISTED '' On Showing a Balance Of {$190.00}, On My XXXX Credit Card # XXXX XXXX XXXX XXXX. Expiration Date Of XX/XX/22. This Account Has Been Paid Off For Over a Month. Which In Turn, Lowers My Credit Score. On XXXX XXXX, I Filed Several Disputes. I Even Filed a Dispute, With TRANSUNION Directly. All Of My Credit Cards, Are Paid Off, Except For One, Which The Payments Are Up To Date. TRANSUNION Has a Problem, With Keeping, My Credit Report, Accurate. This Is Not The Only Incident, That TRANSUNION Has Given Me Trouble With. They Hate To Raise, My Credit Score.
Consumer complaint received 2024-02-27
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. (OH)

I have no knowledge of XXXX XXXX. I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXX XXXX from my credit report immediately