davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lefkoff, Rubin, Gleason & Russo, P.C. (GA)

AFTER FAMILY MEMBERS IN OUR HOME RECOVERED FROM VIRUSES BEING SPREAD AROUND, WE FINALLY HAD A CHANCE TO CHECK OUR MAIL, AND SAW MAIL FROM SEVERAL ATTORNEY OFFICES. WE WONDERED WHY WERE THESE LETTERS BEING MAILED TO OUR HOME. FINALLY WE SAW A LETTER IN THE MAIL FROM AN ATTORNEY 'S OFFICE CALLED " LEFKOFF, RUBIN, GLEASON, RUSSO XXXX XXXX, XXXX. WE ASSUME THEY REPRESENT " XXXX XXXXXXXX XXXX  '' THIS IS WHAT THE LETTER SAID. IT ALSO ASKED IF THIS WAS THE HOME OF " XXXX XXXX '' AND THAT XXXX XXXX NEEDED TO RESPOND WITHIN 2 WEEKS OR THE AFOREMENTIONED ATTORNEY 'S OFFICE WOULD " ASSUME '' IT WAS THE CORRECT HOME FOR " XXXX XXXX. '' 1. WE HAVE SEEN WHERE THE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE CAN BE CONFUSED BY THE SIMILARITY IN NAMES, WHICH COULD CAUSE THEIR OFFICE TO ASSUME THAT THEY ARE SENDING MAIL TO THE PROPER HOME ADDRESS. WELL, NO ONE IN OUR HOME GOES BY THE NAME " XXXX XXXX. '' WE NOW HAVE TO BELIEVE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE HAS SENT LETTERS TO THE INCORRECT ADDRESS. THE MAN, WOMAN, OR PERSON THEY ARE SEARCHING FOR DOES NOT LIVE OR RESIDE AT OUR HOME ADDRESS. THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE COULD HAVE MADE A SIMPLE MISTAKE, OR WE COULD BE A VICTIM OF IDENTITY THEFT.

2. WE DO NOT KNOW ANYONE FROM THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE. WE DO NOT HAVE A CONTRACT WITH THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NO KNOWLEDGE OF ANY DEBT OWED TO THE AFOREMENTIONED ATTORNEY 'S OFFICE, NOR THEIR CLIENTS. WE HAVE NEVER USED THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE FOR SERVICE, AND WE DO NOT OWE THEM ANY MONEY FOR ATTORNEY FEES.

3. UNDER THE FAIR CREDIT REPORTING ACT, DEBTS OVER XXXX YEARS OLD ARE TIME BARRED, AND HAS A STATUTE OF LIMITATION, AND CAN NOT AFFECT ONE 'S CREDIT. ALSO, NO CREDITOR CAN USE THE SAME ASSUMED DEBT MORE THAN ONCE TO AFFECT A CONSUMER 'S CREDIT. WITH THAT BEING SAID, NO ONE WITHIN OUR HOME HAS TAKEN ANY LOANS FROM ANY BANKS WITHIN THE LAST 7 TO 10 YEARS, ESPECIALLY FROM A " XXXX XXXXXXXX XXXX '' WE DO NOT HAVE KNOWLEDGE OF ANY DEBTS OWED TO THE ATTORNEY 'S CLIENT, XXXX XXXX XXXX IF XXXX XXXX XXXX ASSUMES THERE IS A DEBT OWED, THEN WE CAN POSSIBLY BE VICTIMS OF IDENTITY THEFT.

4. SINCE WE BELIEVE SENDING MAIL TO OUR HOME HAS BEEN A MISTAKE, WE REQUIRE THE AFOREMENTIONED MENTIONED ATTORNEY 'S OFFICE, AND THEIR CLIENT, XXXX XXXX XXXX, TO CEASE AND DESIST WITH ALL ACTIONS TO AFFECT OUR CREDIT, CEASE AND DESIST WITH ANY ATTEMPT TO WITHDRAW FUNDS FROM OR FREEZE OUR BANK ACCOUNTS, CEASE AND DESIST WITH ANY LIENS, AND CEASE AND DESIST WITH ANY NEGATIVE AFFECTS ON OUR PRIVATE, PUBLIC, AND OR INTELLECTUAL PROPERTY.
Consumer complaint received 2022-12-04
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. (SC)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VT)

I have called the bank several times, i went into the bank. I thought it was cleared up until I got this letter OF DEPOSIT : AMOUNT OF ITEM : CHECK NUMBER : XX/XX/XXXX XXXX At TD Bank we are committed to protecting your accounts. We are writing to let you know we have delayed availability of funds from your deposit as account information indicates that the check may not be pald. 
Although we try our best to make sure your funds are available as soon as possible, sometimes we need to hold on a deposit ( s ). Rest assured, your funds will be available no later than six business days after the dep made, unless we are notified of a returned check. 
If you did not receive a delayed availability notice at the time of the deposit and your check was paid, we will any overdraft or returned check fees as a result of the additional delay in the avallability of your funds. To ob refund of any fees incurred if the deposited check has been pald, please contact your local TD Bank. 
We are here for you We are sorry for the inconvenience, and appreciate your patience. If you have any questions, please call us anytime at XXXX Sincerely, TD Bank Fraud Operations My tenant has paid me since the fall of XXXX no problems. In XXXX TD held the check from XX/XX/XXXX until XX/XX/XXXX. Even though my check was cleared through the tenants account on XX/XX/XXXX and I had enough to cover the check in my account. 
In XXXX the tenants check was put on hold again. We went into the branch and they lifted the hold and then today we got this letter. Once again cleared in tenants account and we have plenty to cover the check. This is abuse of their power and control.
Consumer complaint received 2022-02-08
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 (NY)

I have this credit card opened XXXX months ago. I always send my payment XXXX weeks before payment due date. this billing XXXX to XXXX I saw this late fee charged and interest charged. 
I called up the bank several times that my payment is mailed XXXX weeks before due date the last XXXX months billing. they refused to reimburse it. 

my son and my wife bank with them too. I just found out this bank is the most hated company. 

my account has limit line deposit guarantee.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recover, LLC (NC)

Ive tried contacting XXXX to let them know that my identity has been comprised because ive never had service with them although they refuse to remove this black mark from my credit report. I 'm filing to have them remove this fault debit from my all three credit bureaus.
Consumer complaint received 2021-04-14
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. (OH)

The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-12-06
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. (AL)

In accordance with the Fair Credit Reporting act : 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 an account without my written instructions. 

On XX/XX/2022 I requested a copy of my written permission that I gave to each credit agency and they sent me a response stating that I have previously, disputed these items. That is NOT what I requested. According to the law above, each credit agency has violated my consumer rights by not being able to provide a copy of my written instructions.
Consumer complaint received 2022-03-14
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 (GA)

I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Consumer complaint received 2022-03-14
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. (CA)

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 2022-10-10
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: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX 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 XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

The following companies ran unauthorized credit inquiry on my credit report and the inquiries mentioned below are suspicious to me : XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from NATIONAL CREDIT SYS. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against NATIONAL CREDIT SYS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NE)

In accordance with the Fair Credit Reporting act XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc. (IN)

Due to inaction on the part of my Dr. 's office to set up a payment plan as we agreed to, the last part of my bill was sent to collections. I received the letter Saturday, XX/XX/XXXX, and began attempting to contact them today XX/XX/XXXX. I have made at least 6 calls and each time after sitting on hold for 13 minutes, it hangs up on me. Once or twice it acted like someone had picked up, but then no one was there. Their client portal site caused my XXXX browser to display a safety warning and advised me to not enter any personal data as the site is not secure. Clicking the pages to open the portal does nothing as well. There are other reports on their XXXX reviews saying the same thing about being on hold and then hung up on. I believe this is intentionally done to make it difficult for debtors to pay off their debt. It seems predatory and should be illegal.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue immediately.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 35 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted 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 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MI)

I put a check in bank arournd XX/XX/22 I thought it was for a online job but it was a fraudulant check the Bank PNC let me know about a week later about it so than I started to notice They PNC Bank was letting my money go to different places I went in and asked to close my Account they told me They Don't Have any of my information and they could not help me. so another two months and I get XXXX and I can't pay my Bills and they claim I still can't close my account. so I got a new checking account and so far behind on my bills .Pnc Claims they did nothing wrong but where is my money!!! then they got a hold of my debt card too I don't Know what to do .I 'm trying to get off XXXX califorina address on my credit report but can't figure it out yet.scammers also got ahold of XXXX XXXX XXXX and took out loan now I owe them {$2900.00} I need Help!! 1
Consumer complaint received 2022-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is known for not providing accurate and updated information on consumer 's credit report. 

I am a victim of this issue. I have tried disputing several merchants that were not reporting correctly after my XXXX XXXX bankruptcy was discharged on XX/XX/2021. On XX/XX/XXXX I did a dispute to get the information updated. Within a matter of days, they closed it out as verified and accurate. When I asked them how did they verify the information, they said that the merchant verifies it and that's it. 

I asked to speak with a manager because they have overseas call centers handling our personal details which is unacceptable!!! 

XXXX XXXX, a rude and disrespectful manager called me and huffed and puffed through the phone the entire conversation. His tone was already sounding like he did not want to be at work. He raised his voice on several occasions to cut me off. 

He provided me with wrong information that I am now reporting to CFB in the hopes that Transunion is held accountable for not verifying and researching before adding accounts to a consumer 's file. 

XXXX XXXX advised me of the following details that are not true per the CFB and other government resources : 1. Transunion does not verify or research anything. He said when a dispute is filed, it goes to the merchant and they handle it. They are just a data storage company. That is NOT true. All credit reporting agencies are responsible for furnishing accurate information. 

2. Consumers can not block or freeze their reports or any other third-party reports at any given time. Transunion has and will always have access to third-party agencies even if that were possible because they can. THIS IS NOT CORRECT. Consumers can freeze their reports at any time by either requesting it via phone, online or by mail. 

Clearly, Transunion is not researching disputes properly. They are closing them and marking them as verified when they are not. This is hurting us consumers when we are trying to purchase a home, car, etc. 

Someone needs to hold these folks accountable.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

I booked a round trip flight for XXXX passengers traveling from XXXX to XXXX, XXXX XXXX XXXX XXXX through XXXX on XX/XX/ XXXX at {$1300.00} /each ticket ; Their representative, XXXX, from XXXX mistakenly created 2 different trip numbers for the same trip as the following : 1 ). XXXX trip # XXXX ( with XXXX XXXX : XXXX ) and 2 ). XXXX trip # : XXXX ( with record locator : XXXX ), this caused double charge/duplicate charge ; On XXXX XXXX, XXXX my credit card was charged at price of {$1300.00} x XXXX = XXXX and simultaneously XXXX charged me 3 times of $ XXXX ticket on the same day. We have tried many times to contact XXXX and request refund for duplicate charges without success ; then we started dispute process with Chase since XXXX multiple times with only being able to get refund for one ticket ( {$1300.00} ), the other unauthorized charge of 2 tickets price ( $ XXXX ) were never refunded, we completely disagree with Chase 's final decisions form their investigation/correpondences with XXXX as XXXX provided many false information, it is very unfortunate that my credit company, Chase did not stand with their customers ' right as they claimed in their official documents/terms. Therefore now I am desperately seeking help from CFPB. Your help would be greatly appreciated, this dispute process has been an ongoing disaster since last XXXX.