davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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. (AL)

Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX Original Balance {$3500.00} This account is being reported on my credit report as delinquent with a balance this account has been resolved yet it still appears on my credit report erroneously I wan this account removed from my credit report asap
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

Per promotional flyer from US Bank, I opened a new business checking account with {$3000.00} with the promise of receiving a {$500.00} bonus for maintaining a balance of the {$3000.00} for 60 days. I have done so and not withdrawn any funds since opening this account on XX/XX/2023. However, US Bank charged me a fee of {$6.00} for mailing me a bank statement on XX/XX/2023 which took my balance below {$3000.00}. I was told when opening this account there were no fees of any kind and I have never been charged a fee for a bank statement from any bank my entire life. I received a refund for the 2 months they charged me for. I can only assume this is how US Bank feels they are not obligated to pay the bonus. In addition I was not allowed to make any additional deposits to this account, hence US Bank plays the gotcha game.
Consumer complaint received 2020-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP (AZ)

the collection agency of XXXX, XXXX, XXXX and XXXX keep calling my phone number for another person. I tried calling the company back to tell them they have the wrong number but I got an automated system. The only option was to make payment which I am not going to do. 
Today 's call was at XXXX XXXX  on XX/XX/20
Consumer complaint received 2022-08-16
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. (MI)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a the same complaint, this is a new complaint with new information attached. 

The last complaint I filed for Identity theft because I did not recognize the accounts on my credit report. After talking with my previous loan servicer, I have new information. 

The attached letter shows my 8 student loans listed under two account numbers that were for IRS tax reporting purposes. Those are the same 8 loans that were rehabbed, they were just housed under those two account numbers and need to be removed from my credit file. 

This is considered double jeopardy. 

attached you will find my rehab letter and my student loan letter from XXXX XXXX XXXX  XXXX # XXXX & XXXX
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

On XX/XX/XXXX, I opened a Dispute on XXXX website with ELAN FINANCIAL SERVICES whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a XXXX XXXX, and still am until XX/XX/XXXX ( currently in a XXXX XXXX  ). I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX  where I notified them of the crimes against me. Further, I included the Civil Court documents from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. XXXX XXXX and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While incarcerated, all my accounts were assigned to the address in XXXX XXXX  of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX ( except for 4 years I spent in a XXXX  XXXX during this term of XXXX XXXX and can clearly show this fact. Further, I am protected by the laws of XXXX  and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

The credit bureaus involved have not properly investigated my dispute of bankruptcy which appears on my credit report. The bureaus are relying on third party information. Per FCRA 611 Paragraph ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to drtermine the accuracy and completeness of the disputed bankruptcy. Method of Verification should include the following : Name of courthouse, persons name who verified the dispute, address, phone number, and documentation used to verify the dispute. 
I also request the bankruptcy be deleted if you do not provide the method of verification. Further legal action will be taken.
Consumer complaint received 2022-08-16
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 : Experian XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I am writing this letter to dispute certain inaccuracies in relation to my credit file. 

The first inaccuracy is that my credit file shows I have a closed account with XXXX XXXX on XX/XX/XXXX. The account number is XXXX according to what is showing on my Experian File. I believe this account should be removed as I never authorized such an account. Please investigate this further. 

In addition, I recently received a copy of my credit report, and I notice there are unauthorized credit inquiries made by the following companies at the following dates : Unauthorized Inquiry 1 Name : XXXX XXXX XXXX XXXX  Unauthorized Inquiry Date : XX/XX/XXXX Unauthorized Inquiry 2 Name : XXXX Card Unauthorized Inquiry Date : XX/XX/XXXX To my knowledge, I have not signed any documents authorizing these companies in question to view my credit report. The listed inquiries are without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act Section 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, please send me proof of this. 

Finally, I am requesting an updated copy of my credit report, which should be sent to the sme address listed above. According to the provisions of Section 612 ( 15 USC Section 1681j ), there should be no charge for this report. 

Your immediate attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-23
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I REVIEWED MY CHEXSYSTEMS AND I NOTICED SOME DISCREPANCIES ON MY REPORT PLEASE SEE ATTACHED DOCUMENTS FOR REFERENCE AS IT CONTAINS PERSONAL INFORMATION.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report 100 percent accurate. These accounts are as following Santander, XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I am respectfully requesting the deletions of these accounts
Consumer complaint received 2021-08-20
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. (GA)

I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX XXXX XXXX XXXX, and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America shows a newly opened checking account, which I did not open and want closed. 

I called the correct number and spent 15 minutes with a bank rep in almost total silence while she claimed to be documenting that I did not open the account. I asked for a confirmation number for the call and was only provided a call back number in the event I was disconnected. After providing the call back number she said she was then transferring me to the fraud department even though I already went through everything with her. 

As soon as she attempted to transfer me the call was disconnected. Rather than call back and be put in a long waiting que again, I waited a few weeks to see if the account would be closed based on my phone call. When it was not, I opted to write a letter ( 2+ weeks ago ) which is the only other method they provide for handling this matter. 

The account is still active and they are now billing me $ XXXX for not funding the account that I never opened and requested twice to be closed over the last month+. 

I don't feel they are making any effort to close this account. I also feel they make it as difficult as possible on purpose so you can't actually close the account. 

I did not open this account and request it to be closed ASAP and have any fees removed.
Consumer complaint received 2022-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I closed a credit card account with Bank of America about 2 months ago and paid off the remaining balance on XX/XX/2022. 
The employee I spoke with confirmed via phone that the card was completely paid off and that there would be NO remaining fees. The reference number for this call was # XXXX. 
I received a bill in the mail a few days ago stating a " finance charge '' of {$10.00} on XX/XX/2022. This makes absolutely no sense to me as the card is closed.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I just ordered my credit report and found this Diversified consultants with XXXX XXXX, XXXX and XXXX. I dont owe anything to this company nor any other company theyre saying that I owe.
Consumer complaint received 2019-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had moved out to oversea since XX/XX/2015 and I stayed in CA for a short period of time but while I was in CA, someone ( guessing my room mate ) stole my information and opened bunch of credit cards and XXXX  my credits.Even though I am not coming back, I would like to still dispute those accounts which are not mine. 

Capital one /Saks Acct # XXXX Capital one USA Acct # XXXX Capital one Acct # XXXX
Consumer complaint received 2019-02-01
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)

I don't have a financial obligation to these companies and it is negatively affecting my credit score,  please remove it immediately XXXX  XXXX, XXXX XXXX XXXX****,  XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX CALIFORNIA XXXX XXXX  ) XXXX**** , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX   ( XXXX XXXX : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****, XXXX XXXX & XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX**, XXXX  XXXX****, XXXX XXXX****
Consumer complaint received 2019-02-01
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. (MD)

I sent a letter XX/XX/2018 to Trans Union which was Signature received on XX/XX/2018 challenging the accuracy and compliance of a bankruptcy in which they have on my credit report file. I received a response from Trans Union but they failed to provide me with a copy of any viable evidence showing the account is being reported accurately and no name, address or telephone number of any person contacted during this reinvestigation.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a consumer and TRANSUNION is in violation of my privacy and does not have my consent to to furnish, have, share, or sell my information. TRANSUNION is reporting false debt that is not verified and is asking for proof of payment. This request by TRANSUNION is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. TRANSUNION is acting as a debt collector and has invoked my rights pursuant to the Fair Debt Collection Practices Act. TRANSUNION has assumed a role and credit reporting is voluntary and solely up to the consumer. TRANSUNION is causing the consumer grave financial harm. TRANSUNION has communicated with an alleged creditor without first gaining permission from the consumer. My privacy has been breached by TRANSUNION and I am immediately demanding that it stops. TRANSUNION CAN NOT TELL CONSUMER THAT THEY DON'T HAVE TO INVESTIGATION WHEN IT PERTAINS TO THE CONSUMER 'S PRIVACY AND CONSENT.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one closed my account without reaching out to me or contacting me because as stated by their supervisor on my call my " auto pay stopped going through. '' I owed {$25.00} when this happened and had {$400.00} in cash back rewards built up. Without contacting me at all capital one took it upon themselves to close my account and also report the debt to my credit report. My credit score has taken a substantial hit from this. My business and way of making a living is now seriously threatened because my business depends on me having great credit and being able to borrow money.
Consumer complaint received 2023-01-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

So I reached out to all three credit bureaus requesting that they send me information that verifies the bankruptcy. I also submitted a letter from the courts stating that they do not verify bankruptcies to anyone or any companies. Credit bureaus refuse to remove the public record information for my credit report
Consumer complaint received 2022-08-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

I was never given information That I could dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid. I was never contacted I just checked my credit report and found the collection on my credit report.
Consumer complaint received 2019-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

I was sent a check by a company who was hiring on XXXX. I went to cash the check assuming its real on XX/XX/2019. I didnt take out any of the money from the check as there was a chance it could have bounced which would have caused me to go into debt. A few days after, my account was frozen and closed. I had called the CHASE security team at XXXX XXXX XXXX XXXX XXXX and they had explained to me that my account was frozen because of the check being fake and it was automatically closed due to being frozen for 10 days. They had said that they will send a check for the account balance and I can just reopen another checking account. When I went to open another account, the teller had called to make sure that I was still in good standing and their department said yes. I was able to make another account on XX/XX/2019. 2 days later, my account was closed yet again by CHASE and I called yet again and they had said that CHASE has terminated the relationship.
Consumer complaint received 2019-01-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NC)

I have been in contact with the mortgager, LoanCare. I had a loan modification and lost it because the XXXX took a double payment in XX/XX/XXXX causing my bank account to be overdrawn through no fault of my own. The mortgage payment bounced and I was taken out of modification. I re-applied and was denied on XX/XX/XXXX. I did not receive notification until XX/XX/XXXX. In the meantime my home was placed in foreclosure on the day of denial. 

I have been in constant contact with them. Never refusing phone calls or messages. I have since gotten a part-time job to supplement my Social Security and able to make the loan modification payments. I want to retain my home. My children grew up hare and I want to keep their place, They occasionally visit