davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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. (OH)

CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX  in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! I almost died from COVID AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I wanted to dispute charges on my debit card with Bank of America. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Bank of America has denied my reasonable accommodation requests. They still have not addressed my previous complaints.
Consumer complaint received 2020-12-29
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: TD BANK US HOLDING COMPANY (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX, 2019, XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-29
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. (AR)

After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Consumer complaint received 2020-12-29
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. (AR)

I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (AR)

I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.
Consumer complaint received 2019-12-12
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: CITIBANK, N.A. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-12-29
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2020-12-29
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)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 XXXX Reported Identity Theft ) 3. XXXX on XX/XX/2020 ( Reported Identity Theft )
Consumer complaint received 2020-12-29
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Balance : {$100.00} XXXXL XXXX XXXX Balance : {$370.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-22
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: ENCORE CAPITAL GROUP INC. (MD)

I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Midland Credit Management. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that Midland validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that Midland might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both ENCORE CAPITAL GROUP INC . 
and Midland Credit Management. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to Midland Credit Management on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged Midland to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, Midland Credit Management failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.
Consumer complaint received 2020-12-29
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2020-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have contacted the bureaus about an investigation I wanted them to look into so I mailed my information into them on XX/XX/2020 and today is XX/XX/2020. To this day it has been over 60 days I understand that they have 30 to 45 days to respond to information I know is misleading and unverified but instead they just placed items on my account that I demand be removed for the simple fact that they have not responded to my request and may have seen that they in fact have no proof of these items i will be attaching to this complaint. Thank you I hope we can get this resolved quickly.
Consumer complaint received 2020-12-29
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

In XX/XX/2020, I noticed that there was a bad credit record showing that I have a delay payment for a BOA credit for more than a year. It hurts my XXXX credit score. However, I never had a BOA credit account and I am not a BOA customer anymore ( used to have a checking account from XXXX-XXXX ). I called multiple times to BOA and since it was not my account I don't know the exact account number, therefore, BOA customer service can not help me to locate that account or file a fraud report. 

I filed dispute with XXXX twice, and after so-called investigation, they kept recognizing it was my account. Until the later of XXXX, I went to BOA local branch. The front-desk manager helped us call their fraud center and explain the situation ( using his internal privilege ). We found out that there was a guy who had a similar name as mine but same at all, and ever lived in the same apartment building but not same unit as mine couple of years ago. BOA mistakenly put his bad credit and linked it with my credit report! BOA said they would investigate it and hand to XXXX within 60 days, but 60 days passed, we haven't heard anything. My credit score keeps decreasing and I am about to loan mortgage. I am quite innocent but no one seems working for protecting us.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PROPEL FINANCIAL SERVICES LLC (WA)

on XX/XX/XXXX XXXX unauthorized transactions were performed on my account for XXXX or around that amount see notes. i reported these transactions upon finding out. a fraud form was filied out by me and sent to providers bank. they ( XXXXXXXX XXXX } XXXX liability rule that says all unuathorized transactions performed without card holders consent will be issued provisional credit while an investigation is performed if more than 10days elapsed. a finding that was made no more than a day of no fault was issued.. i imediately asked for a reconsideration of the findings as its impossible for me to have been at two places at once the fraud form i filed explains thatso an reinvestigation was idssued going on four weeks now and since then i find that my account has been closed, i fell was was a retalitory measure by providers bank and is also illiegal as i get my federal security deposited every month and providers had no right nor reason to close that account, so now iam filing a complaint for closing my account with a retalitory attitude by providers so iam seeking my provisional credit XXXX around XXXX and a federal XXXX for closing my account illegally.. this investigation has gone well over 10 days at that time provisional credit shoould have been issued up ontill a decision was made which one has not yet been made.
Consumer complaint received 2020-12-29
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. (AZ)

XXXX is using an unsigned promissory note that was created long after the original and the terms and conditions changed namely the interest rate charged. Transunion doesn't seem to really investigate at all just take the word of a company that is being sued by California, New York and Massachusets over their incompetent and fraudulent business practices. I know the CFPB does not have oversight over XXXX but it does over the three credit bureaus. Perhaps the CFPB could take the fight to the credit bureaus to keep XXXX from ruining the tens of thousands of lives that they have ruined. Transunion violates the FCRA by not verifying the debt at all just taking a fraudulent companies word for it. I am including the promissory note that has an electronic signature but no electronic consent attached. If you look at the promissory note there is no verification of who signed it, no e-mail address. How would they have even gotten my electronic consent without my e-mail anyway to send it to me or my ID. The note clearly shows in the right margin that it was created long after the loan. The interest rate was more than tripled. This loan should be paid off and the balance is all fraudulent charges. The electronic record and consent should be verified Transunion in their investigation.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I transferred XXXX XXXX to my checking account at Bank of America from my checking account at XXXX XXXXXXXX XXXX using XXXX The transfer happened on XXXXXXXX XXXX. Bank of America confirmed receipt of funds on XX/XX/ but has not released my funds to date ( XXXX XXXX ). This is after 8 days of holding the funds. When I contacted them repeatedly they told me that the funds were somewhere in their system but that they had no idea where and that I would have to wait for a 45 day period while they investigated the location of the funds. Bank of America acknowledged that they received my fund ( also as documented on their online banking ) but that for reasons that no one could explain to me the funds were not able to be released. They did confirm that there was no fraud issue but could not explain or release my funds otherwise.
Consumer complaint received 2022-03-02
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. (NJ)

XXXX reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Consumer complaint received 2022-02-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Linebarger Goggan Blair & Sampson LLP (CA)

I received a notice for a debt that I had never been informed of from 2009. I called the number on the notice to find out if they had the correct person. They began by asking me for personal information and recalled my number from caller id. I told them not to notate the number, not to save it, and they do not have permission to call me at this number regarding any debt- especially unverified debt. The agent on the phone proceeded to tell me that they could and would continute to call me and I would have to file a cease and desist letter. I hung up. They began calling me and leaving my voicemails immediately after I told them not to call. The voicemail continued to antagonized me and said 'like i said we're going to call you and continue to call you until you pay the debt '. This is harassment.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I noticed my card was missing on XX/XX/2020 I checked my account and attempted to dispute 4 unauthorized transactions, after attempting the 1st one I realized I didn't understand the wording and I would have to call and wait on the line to get helped, I did and filed the claim but apparently only for the remaining 3 transactions, I did notify the representative of my attempt thru the mobile app and that I wanted to include that too but apparently she didn't do so. Now the " temporary credit '' has been removed from my account and Chase is telling me they can't do anything about it! So I'm just supposed to be liable for unauthorized purchases made while my card was lost!