davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

NUMEROUS TIMES I HAVE REACHED OUT TO MACYS IN REGARDS TO THE FRAUDULENT ACCOUNT THAT WAS OPENED AND MAINTAINED WITHOUT MY KNOWLEDGE. I DID NOT AUTHORIZE FOR THE CARD TO BE OPENED OR AUTHORIZE ANY OF THE CHARGES.I KEEP SENDING THEM EVERYTHING THEY ARE ASKING FOR BUT STILL ITS NOT ENOUGH. SEEMS LIKE SOMEONE SITTING AT THEIR OFFICE IS JUST DISCRIMINATING AGAINST A WOMAN. I AM NOT SURE WHAT ELSE I CAN SEND THEM IF THE POLICE REPORT, NOTARIZED IDENTITY THEFT REPORT, MAYBE NEXT THEY WILL REQUEST A BLOOD TYPE AND STILL WIL NOT BE SUFFICIENT FOR THEM TO REMOVE THE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 2022-11-30
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. (PA)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Consumer complaint received 2020-11-04
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. (MO)

Back in XXXX ( last month ) I was checking my credit accounts looking for anything not looking right. I have had 11 times in 18 months had charges on my debit cards not made by me. I spotted 3 accounts not mine at all and I filed an Identity theft report immediately. And then I disputed those on experian. I sent them the FTC report I put all the accounts in the dispute and a copy of the FTC report my driver license ssn and utility bill or bank statement to prove my identity So I have done everything i was told to do. I get 2 letters from them in the mail stating they have my ftc report and that they still need more info or my identity theft accounts would remain and not be blocked. The " more info '' made no since to me as they were asking for all pages to the ftc report and verification from law enforcement agency that a report was filed. They dont know that FTC is law enforcement.But I had already sent them all the pages from FTC report and when I called to ask what more pages do they need me to send please clarify they gave me answers like '' just wait 30 days for the investigation to end and you get a report from us. and im not going to put all the XXXX answers I got in here because this is just too much for me to type in here..And makes not 1 bit of since. So then a few hrs later I get an email saying AGAIN a report was updated nothing removed just remained in my file unchanged reporting the fraud accounts. 

and the other Credit account that is mine XXXX that was reported as charged off not paid when in fact it was paid no amount should have been on it at all for charged off amount. I have received 2 emails from Experian telling me my account was updated. 
and was not changed. 

I have proof the XXXX was not unpaid, XXXX  has it marked closed paid in full. 

I have done all I can do This CRA is abusing their power over me by giving me the run around to get things done and all they do is send email telling me they updated an account. They did not investigate anything. They just ran a code and no human was ever contacted. Their updates reflect no changes to my reports. I pay for this and I get treated like im nobody. They are in violation of the FCRA ( 605 ) B and I demand they block information that was acquired as a result of fraud. The only other thing left to do is take them to court and sue them. 

I also in a rush to get this info to them added 1 account that should have not been in the mix, I did not report it in FTC report but ADDED IT IN THE RE [ PORT TO THEM by accident when I was uploading from my computer to their website. I could not think of what that one was called and they refused to tell me.They only said that a account that was sent to them was not in the FTC report so there will be no changes to that account. 
Real nice people. .. They do nothing to try and help. tHEY only make matters worse.
Consumer complaint received 2018-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

I enrolled in water delivery services through sparkellets beginning if this year after few months of having issues with wrong or missing deliveries and over charges I called to cancel the service also the machine not working properly I called in may to cancel and they said they will pick the machine ..my appatmement building had major construction so I had to be relocated to a dif apartment temporarily and I told them that they never picked up the machine unbenonce to me they sent the account to collection bureau of America and they want me to pay the machine and service I never received and asked to be discontinued I called sparkellets again they said its nit in their hand again ..and also I scheduled two additional pick up dates and they failed to pick up one was in XX/XX/XXXX and the other one in XXXX..its not fair that I had to deal with the consequences of incompetence and horrible customer service.. and now the collection agency is trying to force me to pay for something I never received and I opted out of. 


PS : the page is not letting me enter my last 4 digits of my social it's not working so I listed it under acct number which I dont have ( XXXX )
Consumer complaint received 2018-10-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX Website : XXXX : XXXX Called me several times demanding I pay XXXX or they would suspend all my bank accounts. I called them tried to resolve and they said only could pay full amount. 

I have voicemail where they threatened me.
Consumer complaint received 2018-07-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

My husband and I took out a loan for home improvement in the early XX/XX/XXXX. I know the loan was paid way before XX/XX/XXXX. In XX/XX/XXXX I inquired to take another home equity and they said on credit report our first one was never paid. I did get a letter from Chase saying it was paid and I thought that was it. Come to find out in XX/XX/XXXX they never sent the town I live in discharge paper and note saying it was paid in full. I worked on it and Chase then sent the town saying the loan was paid in XX/XX/XXXX. So it looks like we were in default for all those years when we were not. So I asked 4 times for a letter noting the date it was paid and Chase continually sends me letters asking me to do the leg work I already did. They even told me we fell through the cracks. I just received a letter from XXXX XXXX at Chase XXXX asking for all the information all over again. I am getting a run around big time. I left a message that I was reporting this to you today. I don't know what else to do. 

Thank you XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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. (TX)

In accordance with the fair credit reporting act, XXXX, 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I am seeking litigation
Consumer complaint received 2019-03-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (FL)

8 months ago i spoke with a supervisor at ally financial in regards to them calling my family members as well as the car salesman that sold me the car whenever i got behind on my car note. They assured me that they will remove all numbers that is not my contact number so no one else other than myself would receive a call if i ever fell behind again. i have also inquired on a bill they are charging me for a repossession fee when my car has never been repossessed. i have spoken with several people as well as management in regards to this charge but yet have not have it resolved and i still am getting billed for it. it has been over 6 month and no one has returned my call or have not removed this fee. 
now that i have fallen behind again they have started to call the salesman that sold me the car ( a person i don't know personally ) my parents and a friend. when i call them and ask for a supervisor, all they do is put me on hold or say that all of the supervisors are in a meeting than fowards me to a voice mail. i don't understand how every supervisor for such a large organization is always in a meeting when i ask for one!
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX and the inquiry stated below was unknown to me. The inquiry was pulled without my knowledge. Please be advised that I have sent a letter prior to this complaint yo Equifax. However, there was no changes or response from them. Please correct this matter immediately. 

XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2020-11-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My Capital One Credit Card got Frozen in the middle me using this and was told that I need to prove my identity which required to produce my Social Security Card. When I mentioned to them I do not have the physical Social Security Card for a while and has been misplaced but I have my US Drivers License + US Passport + W2 Showing my Full SOCIAL + Utility Bill showing my residence they will not still allow me to access my Credit Card Account to even Dispute the Fraud Charges on the account which I want to dispute and actually would want to close the account/Credit Card. But none of that is acceptable with them. I have asked Social Security for a Replacement Card but it takes 6-8 weeks to get a replacement card from them so it's really no go with these people at Capital One and I am stuck not knowing what to do. No other Credit Company has asked me this and recently got issued new Credit Card with {$30000.00} credit line.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XXXX I sent the first letter to XXXX, Transunion and XXXX requesting inquiring why they are continually violating my FCRA and FDCPA rights by reporting inaccurate information on an account that is showing on my credit report as sold or transferred. On XXXX I sent a follow up letter requesting all documentation regarding this account : how this account was applied to my credit report, all documentation used to verify this account belongs to me, all documentation bearing my signature in regards to this account. As of today XXXX I have not received any response, no documentation. This is a clear violation of my FCRA rights to have accurate information reported XXXX percent of the time.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Some company by the name XXXX XXXX put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with Experian who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the XXXX XXXX reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XX/XX/XXXX Listed below are the Accounts that are being challenged XXXX  XXXX XXXX {$4100.00} XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX {$760.00} XXXX/XXXX  XXXX {$2300.00} XXXXXXXX XXXX XXXX {$2200.00} Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AR XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Updated XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX INQUIRIES XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX A XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ditech Financial LLC (NJ)

Good afternoon ... I was examining my credit report from XXXX & I noticed I had one negative report on my credit report from Ditech Financial. Details of the XXXX  credit report ( with Ditech as the vendor ) state I was 30 days late on my XX/XX/2017 mortgage payment. I contacted XXXX dispute resolution dept. and placed a request to have the error corrected. Ditech did not correct the error on the resolution report produced by XXXX. I attempted to contact Ditech directly but could not find a phone number or web address to remedy my complaint. As the attachment indicates, Ditech documents they received my XXXX payment on XX/XX/2017, within my 15 day grace period. Because the payment was received within the 15 day grace period and since no late fee was imposed I believe my payment was not late and the negative report should be removed from my record. 

Thank you
Consumer complaint received 2018-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check to avoid any overdraft fees. Chase said the deposit came in 11 mins too late and would not reverse fees. I have been a great outstanding customer for 10 years. They refuse to help. I spoke to 4 different managers. 

I was charged {$70.00}
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX 2018 it was reported by the XXXX XXXX that Bank of America was refusing to conduct business with legal gun manufacturing businesses in the U.S.

ArtIcle here : XXXX XXXX XXXX XXXX XXXX XXXX  Bank of America has instituted a policy that has me very concerned that if this current policy is allowed to continue I and other Americans may be arbitrarily refused business by Bank of America simply for conducting business which the bank deems inappropriate or politically inconvenient.

Americans need banking services to survive in the modern economy. Law-abiding citizens have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business.

Please look into this matter and put an end to this Bank of America policy of discrimination.