davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/2023 ) 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

DISCOVER FINANCIAL IS NOT REMOVING THE FRAUD CREDIT CARD OPENED UNDER MY NAME. I HAVE SENT THEM A VALID POLICE REPORT AND THEY ARE NOT REMOVING THE FRAUD ACCOUNT OUT OF MY CREDIT BUREAU. I NEVER APPLIED FOR THIS CARD AND HAVE NO KNOWLEDGE OF IT. ALSO THERE IS A PO Box FRAUD ADDRESS ASSOCIATED WITH HTIS CAR THAT NEVER BELONGED TO ME
Consumer complaint received 2019-09-03
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. (MN)

I do not agree that the said amount of debt is owed by myself, to XXXX XXXX. I have not received any documentation of how this amount was generated, from XXXX XXXX XXXX XXXX. To my knowledge I am strongly convinced that I do not owe the stated amount, in fact I do not owe any amount. Unless credible, validation of proof is produced, we are all in full agreement that there is no debt owed by myself.
Consumer complaint received 2022-03-31
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. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

On XX/XX/19, I received my credit report form you. It included the following incorrect information : Conns Account # XXXX After requesting validation and correction to my credit report on both XX/XX/19 an XX/XX/2019, I received a letter from that creditor verifying that the information in which they are reporting to my credit report is inaccurate. Both instances this company has refused to correct their inaccurate information and it has caused me great hardship.
Consumer complaint received 2018-11-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this

time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.
Consumer complaint received 2017-11-08
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. (NC)

I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
Consumer complaint received 2023-03-21
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account number # XXXX XXXXXXXX XXXX XXXX Account number # XXXX XXXX BANK DELAWARE Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX Account number # XXXX XXXX XXXX Account number # XXXX XXXX  XXXX Account number # XXXXXXXX XXXX XXXX XXXX Account number # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains on my credit.
Consumer complaint received 2023-03-21
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-11-11
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: eCon Credit LP (FL)

I opened accounts with XXXX XXXX and XXXX XXXX in XX/XX/2018 to help increase my available credit and lower my utilization on my credit reports as I am trying to repair my credit. I pay a monthly fee for both in exchange for on time payments being reported to the credit bureaus. Both companies operate from the same address and phone number and report their accounts under the name of XXXX XXXX XXXX. The account numbers on their websites do not match the account number listed on my credit report. I have not had any late payments of 30 days or more on either account, only 3 and 5 days late. I received a notification from my credit monitoring service on XX/XX/2018 that my XXXX XXXX account had late payments reported and that I owed a balance of {$60.00}. I paid off this account on XX/XX/2018 and had a XXXX  balance showing on my online account. I did not have any other charges until I called customer service on XX/XX/XXXX to renew my account for {$150.00} and discuss the late payment. I talked to XXXX XXXX who verified that their accounts are reported under XXXX and told me that they had a glitch in their system that was reporting false late payments and I was not the first person to call about it that day. She advised me to send her an email to XXXX with proof of the late payment and she would forward it to tech support to correct the issue. I sent the email but did not receive a response so I called customer service again on XX/XX/2018 and was told to send an email again to support @ XXXX and the issue would be corrected for the next reporting date at the end of the month. When it did update, they only changed the status to pays as agreed but did not remove the late payment or update my balance. I filed a dispute with XXXX on XX/XX/2018 for the late payment and incorrect balance and received the results on XX/XX/2018. According to XXXX, everything was verified on the XXXX and they did not remove the late payment or update the balance to {$72.00}.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 items 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 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 XX/XX/XXXX
Consumer complaint received 2019-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (WI)

BMO Harris is using unfair if not illegal practices concerning depositing of cash funds and and backdating checks to create overdrafts. 
On XX/XX/2019 I went to my account online to find it was overdrawn $ XXXX.xx at XXXX XXXX. At that very moment I transferred {$700.00} from a savings account into that checking account. 
Looking at the account the next day ( XX/XX/XXXX ) showed a XXXX OD fee ( yes, I agree ) PLUS 2 more checks posted against the account on XX/XX/XXXX creating 2 more OD fees of {$72.00}! 
Clearly the two additional checks ( XXXX, XXXX ) were received by the bank on XX/XX/XXXX and then backdated to the XXXX. They WERE NOT in the account as of XX/XX/XXXX. I saw that figure online. 
Furthermore, the bank inexplicably puts my cash transfer deposit on a " PENDING ''  status from the XXXX to the end of day on the XXXX! This itself is also wrong. 
The bank is manipulating all transactions to skew them against the customer and this should be illegal. 
I called them two times, once on the XXXX and again today. A customer service supervisor named XXXX at their XXXX XXXX center offered to refund 1 OD fee and not both of them. When confronted with details of their shenanigans she becomes very evasive and towed the company line of " we feel a customer needs to have full funds in the account as soon as they write a check. '' This is absurd, Full funds must be in the account when a check is presented to the bank for cashing. 
Another fishy bit about this is customer service on the XXXX confirmed the time of deposit was XXXX XXXX and that agrees with my memory. I knew it was past XXXX XXXX, BMO 's cutoff time for entries that day. 
Today, XXXX tried to tell me the transaction time was XXXX XXXX on the XXXX! Which actually supports my case. When questioned about thisd ridiculous statement she huffs and says she has " no time to go into minute by minute details ''. I point out that we are not talking about minutes here but DAYS!! And that is not important to her when it comes to being caught in a deception. 
In a nutshell, BMO has a strategic plan to defraud customers of fees by purposely manipulating dates a check debits ( posts ) and then holds deposits as " PENDING '' with no valid explanation, so on paper, it appears everything is smooth and legit. The blue " PENDING '' banner disappears when they finally credit the account, never to be seen again by an outside auditor or online in my account. 
Nail these thieving XXXX will you?
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Risecredit, LLC (WI)

RISE Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, 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 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2018-05-24
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. (TN)

My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2018-11-12
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Social Security : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX Re : Unauthorized Credit Inquiry To Whom It May Concern : Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file at once because I did not authorize them, and they are fraudulent. ( List Unauthorized Inquiries ) : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX Also, be advised the Fair Credit Reporting Act states that any information that is kept on an individuals credit report must be correct. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also, be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 
I have sent this letter because I need your prompt response to this issue and I need written correspondence as evidence your company is acting upon my request. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Interstate Recovery Service, Inc. (MN)

XXXX XXXX, claiming to be based out of Missouri, had been withdrawing many from my bank account without ever sending the product. I attempted to call them multiple times, but they did not return my call nor send the product. I also tried communication with them via email. I had to block them from withdrawing funds from my bank account -- never once did I receive the actual product of the promised magazines that were supposed to come monthly. XXXX I received notice from a debt collection agency that I owed XXXX cents. I called the Interstate Recovery Service that evening and informed them that I never received the product so did not see that I owed anything on a product that was never received, informing them that I even turned the company into the Federal Government. The agent on the phone became demanding, belligerent, rude, making a statement " You better pay now or I am going refer to the refusal department who will take you to court! '' The guy kept demanding paying information of my debit card number or current banking info. Not being able to reason, and his belligerence rising with forcefully bully tone and manner, I hung the phone up. He immediately called back, my wife answered, and he rudely said " I WANT THAT GUY BACK! HE HUNG UP ON A DEBT COLLECTOR! IS HE HIDING BEHIND YOU OR DID HE USE YOUR PHONE?! '' My wife calmly, and kindly asked : " Can I help you? '' He persisted " I WANT TO TALK TO THAT GUY! '' Unable to name whom he was calling for or what he needed, my wife hang up on him and blocked his number reporting he was belligerent and did not seem sane. Today, XXXX I received a letter in the mail again from the Interstate Recovery Service, a little kinder tone, reporting if the debt was paid now it could be reduced to XXXX. Again, since the product, that was supposed to be mailed monthly, was never received, and they already took monthly payments from XXXX to XXXX from my account without ever receiving the product, I do not feel there is a debt owed. The Interstate Recovery Service is rudely demanding I pay a debt that I the company failed to deliver the product on while they already collected 4 months of payment on it.
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX Account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

My card was stolen around XXXX XXXX, XXXX and charges are fruad as i confrimed when they called me they blocked my account asked i mail in my drivers license and bank statement which i dont still blocked and there billing me for the fraud for all the fraud charges after XXXX/XXXX/XXXX none after that date was authorized included in this dispute is my id and my bank statement for them
Consumer complaint received 2018-11-11
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: JPMORGAN CHASE & CO. (FL)

I received a copy of my credit report which included multiple inquiries made by XXXX XXXX XXXX, XXXX. I have never applied for an account or a credit card with this company. I contacted Chase and all 3 credit bureaus to dispute this incorrect info and asked that they remove it from my credit report. The credit bureas did nothing, but a Chase representative assured me over the phone that the inquiries would be removed because they had no record of me applying for any of their services. A week later I recieved a letter from Chase stating that the inquiries would be removed. I sent this letter along with my initial letter asking them to remove the inquiries, because now I have proof that I never applied for anything from Chase and a written letter from Chase that they were removing the inquiries. This all happened about 3 months ago. I checked my credit again today and the inquiries still remain on two of my credit reports ( XXXX   & XXXX ) and now there are even more of them ( 9 inquiries ). I am convinced that I am either a victim of identity theft or there is a glitch in Chase 's system. The inquiries are happening every month. No one in their right mind would continue to apply with the same company and keep getting denied every month. Either way its hurting my credit score.