davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (NY)

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was unauthorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

2. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

3. The inquiry was unauthorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please delete it from my credit report. 

Close Paid as agreed on time I was never late and this is inaccurate and an FCRA violation.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts listed below is in violation not reporting 100 % accurate.

1. XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Update this account to paid on time. 

3. Delete this unverified and inaccurate account. 
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

4. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

5. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

6. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

7. Delete this unverified and inaccurate account. 
XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

8. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

9. Delete this unverified and inaccurate account. 
XXXX XXXX  XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

10. Delete this unverified and inaccurate account. 
XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

11. Delete this unverified and inaccurate account. 
XXXX XXXX Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me. 

12. Delete this unverified and inaccurate account. 
XXXX  Account Number : XXXX Validate Prove it with a wet signature that this account belongs to me.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing this for myself and no one else, I recently taken a look at my consumer report and noticed some inaccurate info and Ive tried to reach out and havent gotten back any response while in the process of trying to better my situation and it is holding me back
Consumer complaint received 2016-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Convergent Resources, Inc. (PA)

This collection is for my wife 's car insurance. I was n't a licensed driver until 2013 and It never went into collection it was a late payment. My wife thought the insurance was paid for the year she said that when the late notice came she realized her mistake and paid it off.
Consumer complaint received 2015-08-14
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (GA)

My mortgage company had changed from XXXX to M & T Bank in XXXX 2015. The new mortgage company has been a living nightmare every since. I open up my XXXX statement and they are stating that my mortgage was going to go up by an additional {$300.00} a month. I freaked out and got on the phone with them and they gave me their text book reason that my tax information has went up. I advise them they were charging me to separate taxes when our taxes here in XXXX GA is combined for a total taxes and fees. I tried to explain this to someone and they still want me to pay {$1700.00} and an extra {$150.00} on my mortgage. I would like for you to force the bank to redo their analysis because they are adamant their not have the right information. I even requested that they call the tax office here in XXXX, GA to verify their taxes are combined in accordance to my recent tax statement.
Consumer complaint received 2018-06-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern, On XX/XX/XXXX, I filed a request/dispute with XXXX, and Experian via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - XXXX, and Experian then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX  ) from their records, I feel XXXX is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the XXXX is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a  consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at  XXXX, and Experian
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX  for code of ethics violations.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Access Receivables of NC Inc. (CA)

I revived a call from Access Receivables Management a couple weeks ago attempting to collect a debt that was sent to them from the XXXX XXXX of XXXX XXXX. I am disputing that debt. The debt collector who called identified himself as having served in the XXXX for 4 years, upon hearing that I was in the XXXX XXXX XXXX. I had told him that I was in the XXXX XXXX XXXX and was using my Post XXXX XXXX XXXX to attend the XXXX XXXX XXXX XXXX. I explained to him that even though I had submitted a certificate of eligibility and was told the VA would pay my tuition, the VA failed to pay my tuition in a timely fashion and I never got my XXXX. 

The debt collector told me that it was wrong for me to use the XXXX to pay living expenses and that I could get in a lot of trouble from the XXXX XXXX for doing that. This was dishonest on his part and an attempt ti scare and intimidate me. This violates the Fair Debt Collection Practices Act.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

This company has reported an account to the credit bureaus which is currently reflected as.negative.information on my credit file. As a result I have received adverse action and high interest rates. I never received any notice or a right to dispute.this account. The debt is in the amount of XXXX and this company never served.me.any notice, gave the right to dispute.nor have they validated this information as it is requires.by law.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Kohn Law Firm S.C. (WI)

I have a unpaid charge card debt. Kohn law firm is now trying to collect on the default judgment against me from XXXX XXXX charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2017-12-05
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. (AZ)

On XX/XX/XXXX I sent letters to XXXX, Experian, and XXXX requesting that they add five consumer credit accounts to my personal credit profile, and asked that they reply when the information had been confirmed and updated. To this date, XX/XX/XXXX, I have not received a written response from either one of the Credit Reporting Agencies.
Consumer complaint received 2021-02-08
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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-24
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. (FL)

Please investigate and delete XXXX disputed account XXXX I note that XX/XX/XXXX and XX/XX/XXXX have deleted this false account a long time ago, but Experian is still showing it. Attached is copy of my 3 bureaus report.
Consumer complaint received 2017-12-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Respectable Gentlemen I asked Bank of America to stop withdrawals from my savings account by XXXX XXXX, who bought an unsigned contract from XXXX XXXXXXXX, who was supposed to help me in a loan Forgiveness that resulted in a consolidation. The whole transaction was misleading and once I realized it I reported the fraud to the bank and requested they stop payments immediately and help me get a refund from XXXX XXXX who cheated me and XXXX XXXX who I do not know and with whom I ended up having this debt for a " Service '' that was n't fulfilled. 

The bank has not fully cooperated with this problem and from the beginning they were trying to charge me for a stop payment to XXXX XXXX XXXX who I do n't know ) even though I explained to them that I was mislead by XXXX XXXXXXXX to believe that my student loan was going to be forgiven but instead, they were only consolidating it and for which they were trying to charge me a RIP OFF fee of {$2000.00}, so to make sure they got their share they sold my contract to XXXX XXXX. 

Bank Of America has apparently ignored my request and have reached a decision based on documents that XXXX XXXX has offered and which I never had a chance to see or evaluate and which dont even have my signature. 

I hope I get the support on this Issue as you are my last and only source for help. 

Thanks so much in advance Respectfully yours XXXX
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$8700.00} which I did not make. I have this police report before where I lost my phone where I stored my personal information.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NV)

On XX/XX/2020, I sent a certified letter to the three bureaus and XXXX XXXX ( Convergent Outsourcing ) requesting that this account be validated and received no responses. 
On XX/XX/2020, I sent another certified letter to the three bureaus and XXXX XXXX, and received no responses once again. 
I do not owe anything to XXXX XXXX cause I have XXXX XXXX today and the bill is paid on time, yet the three bureaus are reporting two different accounts in my name with two different amounts. Account number # XXXX for the amount of {$1000.00} and {$69.00}. I do not owe these amounts.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

Chase bank closed my XXXX card account after I had been a cardholder with them since XX/XX/XXXX-XX/XX/XXXX. I had informed a customer service representative that I would pay XXXX of my XXXX balance on XX/XX/XXXX. The card was closed on XX/XX/XXXX. 

I ran into a financial difficulty in moving from XXXX to XXXX and this caused a delay in getting my monthly bill made. Prior to that I had been a customer in good standing with Chase and loved using my XXXX Card for points for stays at XXXX all over the world. 

I spoke with a representative and then received an email from a rep stating that once a card has been closed, it can not be reestablished. This is a poor reflection on my credit.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I XXXX XXXX have not applied for any lines of credits or any loans. I'm also a XXXX veteran and don't share my XXXX or any personal information with another entity. I believe someone misused my information without my authorization and I have placed a fraud alert on my account. I have sent CFPB complaints about the unauthorized and unverified information and hard Inquiries. I called Transunion about the hard inquiries that's on my report and I stated I didn't authorize them, and I called the companies to have them removed. A representative stated that I needed to send in an FTC complaint, and I told her I did that she then pulled up the date I called previous and stated they didn't receive the complaint, but she sees where I called back within the last XXXX days about the same issue. XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX dates i sent complaints on this same matter. 
The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from your credit report.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.
Consumer complaint received 2018-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is a total scam supposedly portfolio recovery, they call daily I will not answear from reports I have read they are targeting vulnerable seniors, I am presently blocking all calls and I will continue to do so, but I hope something can be done about these obvious criminals for the sake of hard working all their lives vulnerable seniors. 
I have been on do not call list since XX/XX/2009. 
My social was compromised XX/XX/2009. 
Thank you