davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I trust this letter finds you well. I am writing to express my concern and frustration regarding my initial attempt to remove fraudulent items from my credit report, and the subsequent lack of resolution. 

Upon discovering unauthorized and fraudulent entries on my credit report, I promptly initiated the dispute process by following the procedures outlined by Credit Bureaus. Regrettably, my first attempt to rectify this matter has not yielded the desired results. The fraudulent items persist on my credit report, adversely impacting my creditworthiness and causing undue distress. 

I understand the gravity of addressing cases of fraud and appreciate the need for thorough investigation. However, the delay in resolving this issue has raised serious concerns about the effectiveness and efficiency of the dispute resolution process. As a victim of fraud, I find it disheartening that my credit report continues to reflect inaccurate and unauthorized information. 

I kindly request an immediate and comprehensive review of my case, with a specific focus on expediting the removal of the fraudulent items from my credit report. I have attached copies of the supporting documentation submitted during my initial dispute for your reference. 

Furthermore, I seek transparent and timely communication throughout the resolution process. Regular updates on the progress of the investigation and the actions being taken to address this issue are crucial to maintaining trust in the credit reporting system. 

If the fraudulent items are not promptly removed from my credit report, I may have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I sincerely hope it does not come to that, and we can work together to resolve this issue promptly and amicably. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX FCU XXXX Balance : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-04-22
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HW Holding, Inc (TX)

Here is the situation, my husband and I lived at the XXXX courts for almost six years and it came to a point where the neighbors were so disrespectful and inconsiderate after only being there for one year. We spoke with the leasing office and we tried resolving the issues and it continued for months, therefore, it left my husband and I no other choice but to find another place to reside and we had to break our lease, we totally understand breaking your lease before it expires, you are still liable for the remainder of the terms on that lease. I feel we had probable cause and therefore when the timing is right and the funds are available we will in turn take care of this matter! Until then, it does not give the reporting company to keep harassing us about non-payment at my work place. I prefer they didn't call, but they have yet to sent out a letter, in regards to this matter!
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (AZ)

This is a complaint from  XXXX   XXXX  again st TD Ba nk, because it is trying to collect from a person that does not owe the debt. Specifically , TD Ba nk continues to report this debt on  XXXX   XXXX  's credit report, despite being shown evidence that he does not owe it. The true obligated party for the debt alleged is  XXXX   XXXX .  XXXX   XXXX  managed the business at the time, but did not assume any personal obligation for the loan.     Evidence that  XXXX   XXXX  did not owe the debt was provided in a  XXXX   XXXX ,   XXXX   letter to TD Bank  (  attached as exhibit #  ). Th e letter further requested that TD Bank either provide evidence that  XXXX  has a personal obligation to the debt or remove it from his credit report. TD Bank did not respond to this letter, nor remove the item from  XXXX   XXXX  credit report.     Because of TD Banks non-response, disputes were filed to the credit bureaus. Each bureau responded that TD Bank replied to the dispute and verified that the debt alleged and reported was valid. A copy of the dispute reports are attached  )   XXXX   XXXX  is not personally responsible for  XXXX   XXXX  debt. TD Bank is actively ignoring requests for removal -- It is unfair, abusive and deceptive that TD Bank continues to give no proof of its claims while it negatively reports on  XXXX   XXXX  credit reports. Reports of unpaid debts of this size are extremely harmful to a perso ns credit score. As a r esult of this negative reporting,  XXXX   XXXX  has been unable to qualify for lending and refinancing opportunities.
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: KEYCORP (WA)

In XX/XX/2021 I applied for a personal line of credit when I applied for a checking account with Key Bank in XXXX Washington. In early XX/XX/2021 I was qualified and accepted an offer for a line of credit for {$5000.00}. I was not told that I would have to go online to their online platform and accept the offer because in my mind, I accepted the offer with no warning that I would have to accept it again a 2nd time. 

I went to the bank when I realized that I no longer had access to this account and was hold my a bank rep that they would get their " back office '' to investigate and would call me Monday XX/XX/2021 with an update. I never received a call. 

Today XX/XX/XXXX I went back in to the same branch and spoke with a personal banker XXXX XXXX to called the back office and told me I would have to reapply where my credit score would be hit now a 2nd time for an offer and acceptance of a line of credit that I already qualified for an accepted. This was not acceptable and I feel they should able to reactive something I already had that they closed with out my permission.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I recently received a background check and they're saying I some time use the name XXXX XXXX or something like that and that I also lived in South Carolina at one point or another both of these wholly wrong I've never used an alias in my life or lived in South Carolina now My brother XXXX XXXX XXXX has done these things but not me he has also used my name as a alias before several times I've had to deal with that My whole life and tired of it go talk to him about alias thank you
Consumer complaint received 2017-09-13
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. (NE)

The equifax data breach leaked my sensitive data that I believe equifax did n't do enough to protect and it 's insulting that they wo n't even let people freeze their credit for free. So far all that has been offered is 1 year of their own credit monitoring service which did not even catch the security breach.
Consumer complaint received 2021-08-05
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. (FL)

I want you to help me because I found accounts that are not related to me. I do not know these items and I can not understand why they are in my profile. I am victim of identity theft for sure and I ask you to check and investigate the accounts. I filed a report and I want to proceed with procedures. I hope you will help me and delete them all.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

Title 15 of the United States Code, Section 1666b, is a provision within the Truth in Lending Act ( TILA ) that outlines the rights and liabilities of consumers and card issuers in cases of unauthorized use of credit cards. Here 's a summary of the key points covered in this section : 15 USC 1666b : ( a ) Prompt Notification : If a cardholder reports the loss or theft of a credit card to the card issuer, the issuer must provide an explanation of the cardholder 's rights and responsibilities under this section. 
The card issuer must provide a written statement of these rights and responsibilities to the cardholder at the specified address. 
( b ) Limitation on Liability for Unauthorized Use : The liability of a cardholder for unauthorized use of a credit card is limited to the lesser of {$50.00} or the amount obtained by the unauthorized use before notifying the card issuer. 
If the unauthorized use occurs before the card issuer provides the written statement of the cardholder 's rights and responsibilities under this section, the liability is capped at {$500.00}. 
Practical Implications : Prompt Notification Requirement : Card issuers must inform cardholders of their rights and responsibilities when they report the loss or theft of a credit card. 

Liability Limitation : Cardholders are generally liable for up to {$50.00} for unauthorized use of their credit cards. However, if the unauthorized use occurs before the card issuer provides the written statement of rights and responsibilities, the liability can be up to {$500.00}. 

Consumer Protection : These provisions of TILA aim to protect consumers from significant financial losses resulting from unauthorized use of their credit cards, encouraging prompt reporting of lost or stolen cards while providing a reasonable liability limit. 

Understanding these provisions is crucial for both cardholders and card issuers, as they outline the rights and responsibilities of each party in cases of unauthorized credit card use.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX, I initiated contact with Experian regarding inaccuracies present on my credit report. Despite my initial communication, there has been no response from Experian to date. Below, I outline the specific details of the erroneous information and the necessary corrections : Account with XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$500.00} Issue : This account was never late. 

Request : Please correct/update this inaccurate information promptly on my credit report. 
Account with XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not mine. 
Request : Please remove the mentioned account from my credit report.
Consumer complaint received 2022-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

It has been over 30 days since NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX received my correspondence which contained my VALID DRIVERS LICENSE, FTC ID THEFT AFFIDAVIT, POLICE REPORT and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that Transunion changed their web page after the hacking news was brought to light on XX/XX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022 I deposited two checks at a local XXXX branch. These checks were made out multiple parties, all of which had endorsed the checks to allow me to deposit the check. I received a $ XXXX check and a $ XXXX check from my home insurance company XXXX for wind and hail damage to my primary residence. The first check was made out to my wife, my mortgage lender and a public adjuster we had used for help with our insurance claim. The secondary check was a supplemental check from the insurance company and that was made out to my wife and the public adjuster. I had sent out the first $ XXXX check to my lender who endorsed the check and mailed it back to me. The two checks were then endorsed by my public adjuster after which they were endorsed by my wife and I then deposited them with the teller at the bank. The teller informed me that it may take up until the XXXX for the funds to fully clear and be available, which is fine. I went to sleep and woke up to an overdrafted checking account as Chase put a hold on the original check and the deposit action of the check was no longer showing up in the online portal. This negative balance in my checking account effectively prevented me from making any payments or using my debit card for any purchases for all of XX/XX/2022. I contacted Chase via phone and they were adamant that I force the other two representatives of the companies on the original check to visit a local Chase branch and confirm they endorsed the check, something that I am not legally required to do, nor something that my mortgage lender or public adjuster is required to do. Their endorsement on the check is all that is needed for me to deposit the check at the bank, and I'm not legally required to force people to show up at local Chase branches, as I states multiple times on the phone to the Chase representative I spoke with. I even went as far, as to spend XXXX minutes explaining what this check was for and how it originated, but the representative would simply mute themselves and come back 1-2 minutes after I finished speaking and pretend they didnt hear what I said. Today, ( XX/XX/2022 ) the negative balance on my account has disappeared as the remote deposit at the chase branch now accurately reflects in my account. I am however actually still unable to perform any transfers, make any payments or use any of the debit cards on our checking account. Chase needs to rectify this mistake and allow me the full use of the funds in my account that did not originate as a result of this recent deposit, and must eventually also release the money from these two checks to me as it is legally my money sent to me by my insurance company allowing me to repair my roof before winter gets here. At this time, i am unable to pay for any utilities, unable to pay for our mortgage, car loan or any of our credit cards due to the negligent conduct of Chase bank.
Consumer complaint received 2017-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have 6 missed payments showing up on my report and I have not been late on this account. I pay them extra for credit protection in case an emergency comes up. This company offer customers the option of paying through XXXX XXXX but for some reason they will not post payments the same day. A year ago my job work load got light and I told them that I was not working my regular 40 hours and I wanted to use my protection plan and it seems like I did not get approved for it because I have these six late payments showing up.
Consumer complaint received 2023-02-17
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)

My name is 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 2017-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (WA)

I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - 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 and the list just continues ....