davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-19
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. (NV)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2019-07-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TIDEWATER FINANCE COMPANY, INC. (GA)

I have reached out to the Credit Bureaus and the Company TideWater XXXX back in XXXX about their inaccurate reporting to my credit they still continue to report negatively to my credit. They reporting that the amount is {$8600.00} on one credit bureau site then a total different amount on another. I have tried to get this situation handled with them ignoring my request over and over.
Consumer complaint received 2022-05-19
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. (MN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX  XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXXXXXX Balance Owed : {$9900.00}
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Amsher Collection Services, Inc. (FL)

XXXX is a third party debt collection company that is based out of Alabama. Im in XXXX Florida. They broke code 15 usc 1692 b ( 2 ).

Second, the original creditor is XXXX and they sold my debt without my consent which makes this identity theft. 

Last but not lease the 3 credit bureaus have reported inaccurate information on my credit report. For example investigate : date opened, last reported, and date last active all these columns are inaccurate due to different dates which doesnt make sense.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Please review both my previous complaints including the most recent one ( XXXX ). Bank of America continues to allow my bank account to be changed from my actual name XXXX to XXXX. They have had countless explanations and change of back but then it gets changed to XXXX yes again. This is a severe privacy issue and they need an explanation as to why they allow this to happen. This is negligence on their end. I have been patient with the process the last two times despite the rudeness when I reach out. This deserves compensation.
Consumer complaint received 2024-03-21
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: Avant Holding Company, Inc. (MI)

The level of incompetence at your companies is alarming and brings an entire new meaning to the word shyster. It is now clear this is all by design in an attempt to either pass liability to another company or as a intentional game to make it so a customer gets nowhere with the process and hopefully acquiesce to the XXXX  As you can clearly see, I already did what you stated ( contact the fraud department ) multiple times at this point, both on the phone and through email ( which is clear since the email address is in the list of addresses to which the previous emails were sent ). I also called the number and spoke to multiple people there over the past few months and am just repeatedly told to contact Avant because the fraud department ( some strange outsourced company ) do not make the decision and there is nothing they can do because Avant made the decision. As previously stated, once I communicate with Avant again all I am told is to recontact the fraud department. The fraud department is a third party company and every time I contact them and get nowhere and request to file a complaint and ask what company they are, the representative hangs up on me without filing a complaint, transferring me to a manager, or telling me what company they are. 

XXXX 's policy is Zero Liability Protection for unauthorized charges, which applies here. You are in violation of XXXX 's policy as well. 

Once again, I am writing to notify you that you are in violation of the law ( which for whatever reasons seemingly mean nothing to you and will definitely come back to haunt you ) and I will be seeking damages if you do not immediately resolve this by removing the charges and fees and also rectifying all the erroneous information submitted to the credit bureaus. You already significantly violated the law and it caused harm to my financial records and adverse action against me. 

As previously stated in emails on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and multiple other instances over the past few months, this needs to be resolved as I still have not received a refund for the fraud and you are still trying to collect from me while reporting my account as late and over limit to the credit bureaus, all of which is in violation of the law of the Fair Credit Billing Act. Once again, please find attached the complaint submitted to the CFPB, # XXXX ( which I will be resubmitting should you not immediately resolve this ). Thank you for your help immediately rectifying this as I am not liable for fraud. XXXX has Zero Liability Protection. Please immediately remove all the charges/fees/etc. on my account and rectify the information reported to the credit bureaus. Thank you for your help rectifying this immediately.
Consumer complaint received 2022-05-19
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. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 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 XXXXXXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-05-19
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. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. 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 : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$590.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XXXX XXXX XXXX I received notice of debt from a debt collection agency. I have disputed the alleged debt with the company that sent the notice. After an unsuccessful attempt, I received another notice from a different company regarding the same alleged debt. I have written the company notifying them that I once again am disputing the alleged debt. I then received notice from what appears to be the original creditor of the alleged debt saying they validated the debt, however I will still be disputing this information. The alleged debt is still being reported on my credit report for the past few months while this alleged debt is being disputed, which is a violation of my consumer rights.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I want to close my account with Paypal, because of the fact that the way that they process the transactions on my behalf leads to economic problems with my budget whereby I don't have enough money to buy food in the grocery store due to the complexity of the accounting errors in the Paypal account. They will not allow me to close the account.
Consumer complaint received 2024-02-15
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: Experian Information Solutions Inc. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

There was a charge to my account in the amount of {$300.00} on XX/XX/2022 from " XXXX The Midwife '' in which services that were involved with that charge were never fully completed. 
I tried to resolve the issue with the merchant, but they refused and I disputed the transaction with Chase on XX/XX/2022. 
On XXXX, XXXX XXXX  Chase claims that the services " were '' completed, but indeed the services have not been completed and Chase hasn't furnished any evidence that would suggest services were completed and is solely basing their decision off of what the merchant has claimed. I've had to get the services completed through another source.
Consumer complaint received 2022-05-19
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. (NV)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
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: AMERICAN EXPRESS COMPANY (GA)

On XXXX, XXXXXXXX XXXX, I took a taxi ride in XXXX XXXX that was supposed to be XXXX XXXX pesos according to the taxi meter. The driver charged XXXX XXXX pesos to my American Express. I received an alert about 45 minutes later from American Express. I immediately called American Express and said this is a fraudulent amount on the charge. I was assured by American Express that this would be taken care of. 

On XX/XX/XXXX, I see that American Express accepted the charge from the merchant despite my calling immediately on XX/XX/XXXX. The XXXX at American Express re-opened the dispute for amount of XXXX XXXX XXXX minus the XXXX XXXX XXXX ( which I was supposed to pay ). This dispute was ~ {$2700.00} XXXX 

I provided detailed documentation of where I was on XX/XX/XXXX during the time of the transaction and how there is no possible way a XXXX taxi ride could be XXXX XXXX. 

Amex requested documentation from the merchant and they provided a paper showing a XXXX XXXXXXXX XXXX  charge with a signature that was not my signature. I told American Express that I was never presented anything to sign and I was had never seen the merchant documentation they presented. The driver also said they could not provide me a receipt. I then sent American Express a copy of my driver 's license to show how the signature does not match mine. 

Despite all the documentation I have provided, making at least 10 calls into American Express and being a card member for 28 years with a flawless payment record. American Express is still not helping with my dispute. 

Further, I spoke to another manager about this on XX/XX/XXXX. She said she would personally handle this and review all the documents I have sent in detail. She would then call me back. I never received a call back from the manager. And, American Express debited the money from my bank account without my authorization. 

I am hoping that the CFPB can help me with this case. 

I also have no choice but to engage with a consumer protection attorney on this matter. 

I always had the impression that American Express was diligent about consumer protection but I have come to find is is exactly the opposite. I have spent numerous hours of this and have experienced a great deal of stress trying to work with them.
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (MO)

Upgrade is incorrectly showing late payments during XXXX I have called 3 times to get this removed and have received no resolution. 

In addition, I reported this to a XXXX and its still effecting my score This error by Upgrade has cost me the ability to refinance my house and now I'm faced with higher interest rates.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-19
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. (NV)

I need to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP
Consumer complaint received 2022-05-19
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. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$51.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$590.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OR)

This year i have had to replace two credit cards for online transactions because of Fraudulent web sites or company 's. Text today from phone # XXXX. 
This is the text as follows, XXXX XXXX XXXX : citybankN.A. We ' locked your debit card. 
Visit XXXX XXXX XXXX Thank You ; XXXX.
Consumer complaint received 2022-05-19
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. (NV)

I need to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP