davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (IL)

- XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XX/XX/XXXX I have recently been informed that there is negative information reported by XXXX In the file you maintain under my Social Security number.Upon reviewing a copy of my credit report, I see an entry listing as an active account and that the balance I owe is $ XXXX XXXX I challenge the accuracy, compliance and reportability of this account. As I was a victim of identity thief. 

Please validate this information with XXXX and provide me with copies of any documentation associated with this account, bearing my signature.In the absence of any such documentation Bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 Days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation : 1 ) Defamation 2 ) Negligent
Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press releaseincluding documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been trying to set up an on line account to use my XXXX rewards points and no matter what I use for a password I get the same error message. I have been a loyal card holder for many years and wish to get my rewards point cashed out and close this account.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-01-08
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: EQUIFAX, INC. (FL)

I've sent certified letters for each item on my credit report requesting documentation of the original purchase agreement bearing my signature. I am a victim of the data breach involving XXXX XXXX XXXX and Equifax. On XX/XX/2020 I sent certified letters to Equifax disputing each item on my credit report. The credit report that I received as a result is dated for XX/XX/2020. After analyzing my credit report, I realized that neither of the accounts had the required comment stating that the accounts had been disputed within 30 days. The old addresses had been removed. However, I was advised to contact the creditors directly to remove the inquiries from my credit report. The accounts for XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX had been deleted. However, those accounts have been reinserted on my credit report. The collection account for XXXX was also disputed. It is still being reported with missing creditor contact information. I've sent a certified letter to XXXX requesting documentation of the original purchase agreement bearing my signature and a representative signed for the letter on XX/XX/2020. XXXX failed to send a copy of the original purchase agreement instead they sent a bill. I sent a certified letter to Equifax because they should have left a comment stating that the XXXX account had been disputed within 30 days but they failed to do so. According to the USPS Tracking log, the certified letter was received and signed by a representative at XXXX.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc. (NY)

I contacted sezzle via email in XX/XX/2023, advising them that my charges off account was paid and that the credit bureaus would need to be updated. I received a response back from XXXX, XXXX ( Sezzle Shopper Support ) XX/XX/2023, XXXX XXXX CST Advising me : Thanks for contacting Sezzle Shopper Support. 

We understand you are reaching out due to a recent inconsistency with your credit report. 

We identified an issue with a recent report that required a correction. This correction first removed Sezzle from your report, which you likely recently noticed, and then a new report was quickly submitted to XXXX. 

This correction should reflect on your credit soon if not already, depending on how frequently any credit reporting services you use. Don't worry, once applied, your credit report would reflect as if the inconsistency never occurred. 

If after a few days you are still seeing an issue with your refreshed credit report, please reach out and let us know! 

Best, XXXX Sezzle Shopper Support I disputed the balance with XXXX in XX/XX/2023 and lost the dispute despite providing evidence that my debt is paid in full. Sezzle needs to update XXXX, XXXX and XXXX that my debt is paid in full, I dont owe a balance, and havent in more than 6 months.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (NJ)

I have over the last few months have had several withdrawals from my account by XXXX XXXX  XXXX CA. I have a son that's in college and told me to use this service to send him money. I did but I noticed every time after I sent him the money they would take out way more than was sent to him and what I authorized so I started to email and call XXXX XXXX XXXX and I was getting no where. Emails would be sent back to me stating that they were researching but they never did anything. You can not contact these people everything is electronic. So I finally just went online to my bank account and started o dispute the charges with my bank account last month. The last few weeks PNC Bank has started to reverse the provisional credits that they had given me for these charges giving me a the reason that the they are unable to research and or dispute outside or sorry third party vendor disputes and that I have to dispute directly with XXXX. I told them I tried for over a month and this is alot of money that has been taken out of my account they basically stayed on their script. They should it is nothing that they could do it is bank policy it will be denied and all the others will be denied. They basically told me that sorry we are not going to help you figure it out on your own, I have run out of options. I need this to be resolved I need my money back in my account because now my accounts sit in a negative balance. The charges that I am disputing are as follows : XX/XX/2019 {$160.00} taken from my account should have only been {$40.00}, XX/XX/2019 {$230.00} taken from my account should have only been {$20.00}, XX/XX/2019 {$600.00} taken from my account should have only been {$60.00}, XX/XX/2019 {$400.00} was taken from my account should have only been {$20.00}
Consumer complaint received 2017-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MA)

I am current disputing a debt with XXXX. While i have disputed this debt it has been referred to 2 collection agencies. I have requested verification of the debt from both collection agencies and not received any verification. Two executives have acknowledged my dispute with the money owed, but there is no indication that they are investigating this matter. 

I have filed a complaint with the XXXX of Massachusetts. They have acknowledged the dispute but they have not investigated my complaint. 

Basically last winter i called to quit XXXX. The retention specialist offered me a new discounted plan with extra channels that was supposed to cost less. My account was changed while i was on the phone. The retention specialist failed to tell me that a regional sports fee would be added to my account as well. 

XXXX : XXXX This link is from Massachusetts Cable TV Regulations 10.02 : Services, Rates and Charges Notice ( 1 ) The cable television operator shall give notice of its services, rates and charges to potential subscribers before a subscription agreement is reached.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I signed up with BofA many years ago when they offered a Free Checking program. In 2012, I had a incident online where I was presented a form fill page requesting my personal information. I did not want to provide this, so I called the BofA number on the back of my card and was told by one of their reps that it was fine to complete the form because they needed to update my information. A few weeks later, BofA called me because my account had been hacked and we needed to close and reopen a new account. So we did that in  XX/XX/2012. At that time, Bank of America agreed to permanently waive the monthly maintenance fee on my account even though the " free checking programs were no longer available ''. I have a copy of a letter from XXXX XXXX, Vice President / Customer Advocate ; Office of the CEO and President stating that the maintenance fee would be permanently waived. Bank of American has billed me maintenance fees over the past few years because I could not locate my letter and they had " no record on file that my account should be free. I have called them and they won't take a copy of the letter an will not honor it.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been in active bankruptcy since XXXX of 2021 XXXX XXXX Bank of America executed a bank levy on my accounts from a creditor attempting to circumvent the Bankruptcy Protections in place. 

Bank of America should be able to verify BK filings ( as they are readily available public records ) but they did not, they simply executed the request without doing due diligence. 

I have spent several hours now sending documents to B of A regarding this. 

From what I understand - B of A simply disregarded simple Bankruptcy provisions of protection. 

Beyond that - B of A has charged legal fees to my account which shouldn't have been charged given the above mentioned facts. 

I am glad to provide any documentation needed confirming my XXXX XXXXXXXX status.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (OH)

LJ Ross & Associates has placed negative information on my credit reports claiming that I owe them {$240.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if LJ Ross & Associates does not comply with my validation letter this item must remain removed from my account.
Consumer complaint received 2024-02-01
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. (MI)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I recently moved to a new address and I informed Equifax about updating my credit report with my new address. I have mailed them letters along with my personal documents requesting for them to update my credit report to reflect my new address XXXX times. They have yet to update my address despite XXXX letters and XXXX phone calls requesting them to do so. I need my address updated ASAP.
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (CO)

I requested Account validation from XXXX XXXX XXXX in XX/XX/XXXX. I received no response from the company. In XX/XX/XXXX I sent a letter to all three credit bureaus to validate the debt, which I also received no response. This debt is not been able to be validated, which all three bureaus put in the comments on my credit report that the account has been disputed which there has obviously been no investigation, Also this is reporting inaccurately as an open account. Ive enclosed supporting documents.
Consumer complaint received 2019-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

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.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written to chase about this and they have asked me to contact credit reporting agencies / bureaus directly. The information reported on my credit report for missed payments in the year 2020 for chase freedom card ending in XXXX was inaccurately reported. I enrolled into chase 's covid-19 protection plan with the understanding that the account will not be reported. However, upon communication with them, it seems like the account was reported for late payments. 

The state of california has issued legislation on consumer credit protection. This information can be found on their official website : https : //covid19.ca.gov/get-financial-help/. I have verified with the state that my credit score would be protected and remain unchanged.

Their website clearly states that credit scores would not be impacted due to the impact of Covid-19. I request you restore my credit score back to XX/XX/XXXX or XX/XX/XXXX, before the pandemic was declared.
Consumer complaint received 2019-11-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE LOOK INTO THE XXXX  ACCOUNT WHICH IS REFLECTING NEGATIVELY ON MY CURRENT CREDIT REPORTS. THIS IS AN ACCOUNT THAT IS NOT REPORTING ANY BALANCE WHAT SO EVER, IT IS A PAID CHARGED OFF ACCOUNT AND IS STILL REPORTING UNDER ALL THREE BUREAUS. THE ISSUE HERE IS WHY WAS TRANSUNION ABLE TO REPAIR THE DEROGATORY HISTORY ON THIS ACCOUNT, AND WHY DIDN'T XXXX AND XXXX  DO ANYTHING ABOUT IT? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY THIS ACCOUNT IS STILL REFLECTING NEGATIVELY. THIS ACCOUNT HAS BEEN OPENED SINCE XXXX OF THE YEAR XXXX. AFTER SEVERAL ATTEMPTS AT DISPUTING ( SINCE : XX/XX/XXXX ), AND TRYING TO GET THE NEGATIVITY OFF OF MY CREDIT REPORT, STILL ... ..NOTHING HAS BEEN DONE ABOUT THIS MATTER AND THIS IS REALLY GETTING TO THE POINT WHERE IT IS UPSETTING ME IN GENERAL.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have sent information, asking for how Transunion got the the information they report on my credit report. The public records they report on me is not accurate and they say it is based on their investigation by letting a 3rd party investigate. The person obtaining the information is required to contact the provider of the information. The company is not following fcra rules of contacting the provider, because the provider wrote me a letter saying that no information was given to a credit reporting agency about a disputed error. They wrote a letter to me stating this in wich I will attach to this complaint. I have tried several times to get them to provide me with the company providing the information so I can dispute properly. Transunion is required to put the provider of information on the report so I am able to contact them with my concerns and they are required to provide me with their method of verification and they refuse to provide that. They only send information they have that is basically a computer generated procedure on answering a dispute It see.s like they are purposely discrinating my report and forgetting that laws are in place to allow me to ask for everything that I am asking for in a attached letter.
Consumer complaint received 2020-10-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (MA)

On XX/XX/XXXX, my partner and I contacted AmeriHome to request an extension on our pandemic-related forbearance. According to the CARES Act law, it was within our rights to receive a forbearance for up to another 6 months. 
AmeriHome replied and asked that we contact them via Secure Messaging. So I had to resend the request immediately through secure messaging. 
On XXXX, we recieved a message saying that we had to call to review options. We tried calling, and were told to reapply online. When we reapplied online, we recieved a message to call. 
Over that next 3-4 weeks, I continued to email Amerihome asking if this meant that our extension was denied. Their response was that they " already responded to our inquiry ''. Their additional response said that we were now due for monthly mortgage payments as of XX/XX/XXXX and that the forbearance has ended.
Consumer complaint received 2019-11-05
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: SUNRISE CREDIT SERVICES, INC (NY)

These are the following accounts that are on my credit report without me knowing 1. XXXX XXXX. DATE OPENED XX/XX/XXXX {$1000.00} 2. XXXX XXXX XXXX  date XX/XX/XXXX {$6000.00} 3. sunrise credit service date XX/XX/XXXX {$230.00} 4.XXXX XXXX XXXX XX/XX/XXXX {$0.00} 5.XXXX  XX/XX/XXXX {$0.00}
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (AZ)

Goldman Sachs/Apple Card suspended my account and locked me out of it for reasons unknown. This has been going on for weeks. When I contact them they say my account is under review and someone will reach out to me. I've never missed a payment and rarely even use the card. 

Since my account is locked I have no access to my account at all, not via the Apple " Wallet '' portal they make you access your account from, nor online. I can not see if purchases are being made or when my payment is due, nor can I make a payment on the account. 

I don't know when my payment due date is or if I'm going delinquent on the account, I may have been assessed late charges already but do not know as I can not access my account at all. 

This is a terrible consumer business practice and will cause many consumers financial harm in the form of late charges, possible over limit fees, and potential delinquency on credit reports. And, Apple/Goldman is making more interest on the account since I can not make payments at this time since they locked me out.