davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-03
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy XXXX XXXXXXXX XXXXBankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 THESE ACCOUNTS ARE INCORRECT LISTED BELOW : XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I recently purchased a XXXX XXXX XXXX through your website when I selected XXXX 7 day passes. These were advertised as {$200.00} on your website, however I was charged {$330.00} for each pass excluding any taxes and handling fees. I would like a refund of these tickets as they did not charge me the advertised price and there has been some form of mishap here. 

The company have stated that the wrong price was listed on their website ( which is what the transaction said it would charge me initially ). They also stated their refund policy is XXXX  %, which would be understandable if this was any other transaction, instead it seems they had chosen a random amount to mischarge me, and then refuse to pay it back to me once I had seen the issue. 

My bank refuses to take up the issue with the company who maid the erroneous charge. I believe this is unfair, as the company are not cooperating with me ( as I believe they are fraudulent ). I would like this to be sorted, either via the company or the bank.
Consumer complaint received 2022-08-29
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. (NC)

My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (OH)

Credit karma told me I was pre approved for a home loan and ultimately I was denied and lost out on money and alot of time. I looked at multiple homes and chose a house. I paid for inspections on it and almost lost the place I was renting.
Consumer complaint received 2022-09-03
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. (FL)

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service CERTIFIED MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information.

15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Consumer complaint received 2019-09-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

Because of the mismanagement, the lies, and the delay tricks by the management at J.P.Morgan/Chase in the ( CFPB ) complaint id XXXX, petitioner will start playing his own tricks. That this agency have let you culprits get away with doing anything you want, petitioner is requesting the sum of XXXX XXXX dollars ( that's with a capital " B '' ). I know you're not going to take me serious, and that's your first mistake. You and your corrupt system of justice is going to fall, and this is the stone that will bring you down.
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NJ)

I filed a group of disputes for unauthorized transactionsthat were made on my account from draft kings between XX/XX/23 and XX/XX/23 I have been approved then the next one will be denied and the next one will be approved and it goes back and forth like that and they are all from the same incident, when my phone and wallet were taken. How can only some of the charged I made be approved and some not it doesn't make sense. 5 different people have said u will get an email showing documents used to make the determine but I have gotten nothing everytime.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Schachter Portnoy, L.L.C. (NY)

On or about XXXX a credit was taken out card through XXXX XXXX, I had made payments through Schacter Portnoy LLC, for quite a while ( yeah, I defaulted ) not my proudest moment, one day they had some issues with their system, they were in the process of changing things over with how this was all managed. I called to check on the status, they reflected the payments resolved. ( couldn't find the debt ) seemed like the same thing to me. So fast forward, to XX/XX/XXXX and I am in the middle of closing on a house, and I'm told a judgement needs to be dealt with. So, judgement, what judgement, my lawyer tells me its with XXXX XXXX XXXX, and I call them, they advice that all maters are through Schacter Portnoy LLC. ( XXXX, XXXX and XXXX ). I have been in the process of buying and selling homes for the last 2 years, and nothing has popped up during this process until now. So the date of rendering on the judgement is listed as XX/XX/XXXX but the date listed as the date of filing the judgement is listed as XX/XX/XXXX ... ... What is that all about, how is that even possible? So if all that isn't screwy enough, I did mange to speak to someone reluctantly at XXXX, they didn't want to talk to me about this at all. Yesterday they told me that the last date of payment on file was listed as XXXX, to the best of my knowledge this thing went away in XXXX, maybe XXXX on a stretch. I can tell you with absolute certainty that nothing has been payed as I didn't even know it still existed. Portnoy tells me that I owe them {$5100.00} but they will except {$4300.00} ( mighty nice of them ) but the debt listed on the Judgement ( in my hands now, as of this morning after many phone calls to the county ) is {$6300.00} plus XXXX in costs. {$6400.00}. This only came to light is I was closing on the sale of the house and this is holding it up. So if I pay it, I will never see that money again. If I screw with this to long, it can torpedo my sale. My current credit score is XXXX, I am not a guy that doesn't pay his bills, and why isn't this XXXX issue showing up on my credit, at all? Need your help, something is very very wrong with this whole thing. Oh, and did I mention that XXXX XXXX XXXX seat is in XXXX, where the house is. They judgement was filed in XXXX XXXX New York. The tittle search company also confirmed that this whole thing is shady.
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (TX)

phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
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Tired of being harassed and having credit take a hit for something i already paid.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX : The initial problem that started this spiral down effect in NSF and Overdraft fees to my checking began as a result of two ( 2 ) Spousal Support payroll deposits of {$110.00} each that I made through the Bank of America Mobile Banking App. 
These checks are always in same amount of {$110.00} and the maker is XXXX XXXX XXXX. I usually have deposited them once or twice a month for several years. 
However, this is absolutely the First time that Bank of America has taken such a stringent position and placed a ten ( 10 ) day hold on one of these checks and it was not released until XXXX. The only " inconsistent response '' that the bank told me is that they had a " suspicion '' that the check may be returned for Non-Sufficient Funds. This has Never happened, and 10 business days is an  exceptionally long time to place a hold on a check of {$110.00}. 
This hold caused so much chaos to my account. I was transferring money from another account. I took out a " Pay Day Loan '' to avoid the " Massive Amount of Fees '' that were still accessed and " unfairly '' deducted from my account. 
XXXX = {$35.00} NSF and XXXX = {$35.00} Overdraft. [ Only One Example ] Although my other monthly electronic check was deposited on XXXX my checking account NEVER recovered from XXXX as a result of Bank of America charged me an " excessively burdensome total of {$630.00} in " unfairly assessed fees from XXXX thru XXXX. As a result, my checking account for XX/XX/XXXXwas already in arrears of $ XXXX as of today, XXXX, I only have {$69.00}. 
It is very difficult to follow the transaction history. For instance, on XXXX my purchases were shown as pending : XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. Then the following day, XXXX these same transactions were deducted again - XXXX XXXX : {$9.00} ; XXXX XXXX : {$2.00} ; and XXXX XXXX : {$77.00}. This types of " double postings '' further overdrew my account. I wrote one check # XXXX for {$36.00} on XXXX and I was charged {$100.00} in NSF fees : XXXX = {$35.00} ; XXXX = {$35.00} and XXXX = {$35.00}. My statement ends on XXXX so the 3rd NSF fee is NOT reflected. " Electronic checks were posted paid and I was charged Overdraft fees and then these same Electronic payments to my creditors would be returned and then I would be charged NSF fees. '' This is a time when I truly feel that my small checking account was " financially manipulated and abused '' and I was " unfairly assessed '' and now I have only a Small Amount of Money = {$69.00} and it is just XX/XX/.
Consumer complaint received 2018-04-24
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. (LA)

I have put a fraud alert, on my credit report. I have inquiries on my credit report for, accounts, that I don't have. Never applied for and I never authorized, to have my credit pulled. 

Experian credit bureau : XXXX XXXX credit pull on XX/XX/XXXX ( bank credit card ) XXXX XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX XXXX XX/XX/XXXX ( Auto finance ) I am XXXX XXXX and have never had a drivers license in my entire life! I do not drive. 

XXXX XXXX XX/XX/XXXX ( finance reseller ) XXXX : XXXX XXXX XXXX  XXXX XX/XX/XXXX ( bank credit card ) XXXX : XXXX XXXX XX/XX/XXXX ( bank credit card ) XXXX XX/XX/XXXX ( credit card ) I also have a address at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This is not a address, I live at or have lived at. This is someone else 's address, not my address.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.
Consumer complaint received 2019-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Western-Shamrock Corporation (SC)

WESTERN SHAMROCK XX/XX/XXXX {$2800.00} XX/XX/XXXX WAS DELETED AND APPLIED BACK ON MY CREDIT FILE AS A " NEW DEBT '' XX/XX/XXXX FOLLOWING FTC REPORT OF IDENTITY THEFT. ( WHICH IS AGAINST THE LAW )
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.
Consumer complaint received 2019-02-07
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. (NJ)

XXXX  XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX  XXXX XXXX  as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
Consumer complaint received 2022-09-03
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. (GA)

On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but Experian did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.
Consumer complaint received 2022-09-03
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. (PA)

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance XXXX {$600.00}
Consumer complaint received 2019-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with National Credit Systems or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The following attached letter that I sent to Bank of America through certified mail explains the problem. BOA never responded to the letter attached herein. When I contacted them through the phone, they hung up on me twice and the third time told me they can't do anything to help me without further explanation.