davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Employer : XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : 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
Consumer complaint received 2021-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NV)

My complaint is that Transworld Systems at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX has been reporting an balance of {$350.00} as a past due. I do not know this company and have never done business with them. This company does not have a contract with my signature.
Consumer complaint received 2018-11-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I have written to AR Resources, Inc., as well as XXXX Credit Reporting Agency -requesting that they investigate and update the inaccurate information they are reporting about me. The 'debt ' is not mine. The account numbers being reported are : XXXX and XXXX. This 'debt ' was incurred by someone other than me, using my name. Please investigate and instruct AR Resources to stop their reporting of inaccurate information about me. Thank you. XXXX XXXX XXXX.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

Experian has not updated my account to reflect my name change after marriage which is causing a serious issue with my time-sensitive mortgage application. Their website does not give an option to do this, and on their website they say not to worry, that lenders will be able to identify you through other information. This is not true, and neither lender I have applied with is able to pull my credit report from Experian. I have tried every phone number and option I can find and have been provided for Experian, but the automated system continues to take me to dead ends until it eventually hangs up on me. It is impossible to contact them to update my name, putting my mortgage and earnest money in jeopardy.
Consumer complaint received 2019-01-11
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: CITIBANK, N.A. (PA)

XX/XX/2018 CITIBANK, NA /XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX  ) XXXX Unauthorized hard pull / inquiry shows up on my credit report from this bank.

I did not authorized CitiBank / XXXX  to register a hard inquiry on my credit and it is negatively affecting my credit score.

I have repeatedly reached out to CitiBank / XXXX  to resolve this issue and remove this hard inquiry without success.

I have been unsuccessful in submitting a dispute due to the CitiBank / XXXX making it challenging for consumers to dispute these unauthorized hard inquiries.
Consumer complaint received 2018-11-24
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: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner {$1500.00} I challenge the accuracy, compliance and reportability of this listing by Caine & Weiner, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( 01 XXXX XXXX  ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow.

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (DE)

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to Experian Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} Inquiries XXXX XXXX  Date of Inquiry XX/XX/2021
Consumer complaint received 2019-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CO)

My issues all started on XX/XX/XXXX. My ex-husband and I used to share this particular checking account, and he still had his homeowners and car insurance set up to direct deposit from what is now, only my account. The amount was for {$1000.00}, from XXXX, and immediately overdrew my account. I am a XXXX parent whom has two jobs and a VERY tight budget, and this caused a snowball effect for me financially. 

To me, this is a VERY large sum, and I was at this point overdrawn and in the negative around {$800.00}. I am shocked that my account " allowed '' such a massive overdraft, especially without any contact prior to the debit. In addition, it allowed the overdrafts prompted by other auto-scheduled debits to continue -- -again, without any contact or personal notification! 

On this day, XXXX ) I had other bills previously scheduled to be withdrawn from my account, and was charged 3, {$34.00} fees for a total of {$100.00}. I received NO notification from Chase until the next day that my account was overdrawn by such a large sum. Unfortunately the notification was sent to me via email, and I didn't check it for several days. I am shocked that I never received any type of phone call either. My ex-husband was unaware of the withdrawal, and when I notified him, it took him another week to get me the complete amount to cover his initial withdrawal. 

I contacted Chase asking for help with refunding some of the fees, letting them know that the fees would just create a cycle for me that I would not be able to get out from under. They denied me, with no specific reason why and the cycle continued. 
I got charged on XX/XX/XXXX, {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$68.00}, XX/XX/XXXX {$34.00}, XX/XX/XXXX {$34.00}, and XX/XX/XXXX {$34.00} as a result of not being able to catch up. The fees totaled {$400.00}. 
I resent an email stating how another company that I bank with, XXXX XXXX only charges up to 3 overdraft fees a month at MAX and they still denied my claim.
Consumer complaint received 2022-07-26
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. (AZ)

The list of inquiries and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiries listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX & XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2024-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (FL)

After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. The most recent correspondence sent to XXXX, XXXX, and XXXX was on XX/XX/year>, yet I have not received any response from them to date. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of accounts that are still being reported on my Credit Reports. CAINE WEINER XXXX and CAINE WEINER XXXX.
Consumer complaint received 2023-03-21
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. (IA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2019-01-11
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. (WI)

I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, In XX/XX/XXXX I purchased a used car from XXXX XXXXXXXX XXXX XXXX which I immediately started having major problems with it. Basically, they sold me a lemon. After a year of complaining, airing my grievances online, etc. the company agreed to take back the lemon car but ONLY if I purchased another vehicle from them. Having no choice, I did just that. 

The " new '' used car was purchased in XX/XX/XXXX. I made my payments on-time, yet in XX/XX/XXXX they repossessed the car and took it from my home. There was no reason for them doing this, but being naive I thought it was something I must have done that caused them to take it back. To this date they have yet to send any type of paperwork to me stating WHY they chose to repossess my car just a few months after I purchased it. 

Fast forward to just recently when I viewed my Experian credit report and they have the vehicle that they repossessed listed as derogatory. I had no idea this was the case, and over the years have realized that because of this my credit score was severely damaged, causing me to either not be approved for credit, or approved with outrageous interest rates. 

I did some research and found that according to the FCRA, any creditor must report tradelines with 100 % accuracy. If you look at the repo account you will see that payments were reported by XXXX XXXX XXXX XXXX as on-time for XXXX, XXXX, and XX/XX/XXXX and the repo in XX/XX/XXXX. How can a repo be legally pursued when no payments were missed?! 

I feel like they took full advantage of me and then literally stole from me. First, by taking the car that they had no right to take, and second by reporting erroneous data to Experian. 

I am also including Experian on this complaint as they should have questioned a derogatory status on a clean tradeline.
Consumer complaint received 2021-04-13
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: ALLY FINANCIAL INC. (NJ)

I have six inquiries from ALLY Financial on my XXXX  credit report. I never applied for credit with this company. I called them on XX/XX/2021 to dispute these inquiries. I was told they will work on removing them and gave me reference # XXXX. As of XX/XX/2021 the inquiries are still on my XXXX report.
Consumer complaint received 2019-06-11
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. (NC)

I have disputed the reporting of the XXXX XXXX XXXX account # XXXX**** on multiple occasions ; however, the bureaus continue to report a past due amount for this account. I have never had a contract with this collection agency. I have never been past due with XXXX XXXX XXXX, yet this is still being reported. Each time I dispute the accuracy of the reporting of this account, it comes back as verified. The bureaus are reporting inaccurate and financially detrimental information.
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My identity was stolen me and my family will be facing XXXX due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft BANK OF AMERICA
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (MI)

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries listed above were not authorized by me.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

I received a letter stating I had unclaimed property ( money ) that Citibank is trying to return to me. The letter contained a separate sheet to be signed and notarized. The form did not ask for any personal information like an SSI number or birthdate.
Consumer complaint received 2022-07-08
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 the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-14
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. (NC)

I am demanding that XXXX XXXX XXXX acct # XXXX be immediately deleted from my consumer report. I have documentation ( attached ) that XXXX XXXX XXXX requested a removal of this account from my consumer report with the consumer reporting agencies they report to. This request was made on XX/XX/2021 and it is a month later and this account is still showing up on my report. This account updates the first day of the month so there should have been plenty of time to handle the request and delete this account from my consumer report. This is totally unacceptable and will not be tolerated. I am requesting immediate deletion of this account from my report upon receiving this complaint and documentation.
Consumer complaint received 2021-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

After filing a complaint with Consumer Financial Protection Bureau, Bank of America sent my complaint to their Debt Collection department despite my credit card account being current and I have paid as agreed. Bank of America sent me a letter indicating they would notify 3 credit bureaus I disagree with the disputed amount at the same time they indicated my dispute was going into arbitration with visa and they would fight on my behalf.

We've contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file.

Attached are calls with Bank of America Representatives On XX/XX/XXXX On a call I was advised would be recorded by BOA ; I was told by BOA Claims Supervisor XXXX & BOA Claims Manager XXXX, that my case was in Arbitration and Bank of America does not make the decision of when the claim could be resolved. XXXX advised We ( BOA ) will present our facts so we are arbitrating to Visa why we would like this chargeback to the company and be refunded, and once visa reviewed the case, they will make a ruling. XXXX advised while you are disputing the charge you are not responsible for this part of the balance so I can minus {$1000.00} from my total balance.Claims Supervisor XXXX was very kind and professional however I wanted to speak with a Claims Manager regarding the merchant transaction remaining on my statement while the transaction is in arbitration when I am not expected to pay it. I wanted to get a better understanding of BOA Standard Operating Procedures. 

After Escalation to Bank of America Executive Client Advocacy Group On XX/XX/XXXX During a call I was advised would be recorded ; XXXX from Bank of America Executive Client Advocacy Group communicated my claim had been closed and she was sorry.
Consumer complaint received 2022-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.