davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I told XXXX, Transunion, and XXXX  to reinvestigate these accounts : Account name : XXXX - XXXX & XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (DC)

Throughout the month of XXXX, I was repeatedly called by representatives of Harris & Harris Ltd. in XXXX, IL. After calling back to determine what the reason for the calls were, I was told I owed nearly {$16000.00} in tickets to the XXXX, DC DMV and that they were collecting on their behalf. I sold the vehicle that received all of these tickets in 2018. The car is not mine, the tickets are not mine.

I subsequently mailed a letter to Harris & Harris using the mailing address on their website, explaining these details with a copy of the bill of sale of the vehicle. It was mailed on XX/XX/XXXX, using USPS Certified Mail and USPS confirmed delivery on XX/XX/XXXX. The letter also included a request to close the file immediately and cease all communications with me, per my rights under the FDCPA. On XX/XX/XXXX, I received another call from Harris & Harris, again attempting to collect a debt but using the word " amnesty '' and stating that I now only owed {$5000.00}. This is clearly a fishing attempt to get me to pay whatever they can get rather than closing the file due to it not being my debt. I was advised to send an email with the same information I had previously sent in my letter. I did so on XX/XX/XXXX and advised in that email that I would be reporting the illegal activity of Harris & Harris continuing to call me after a written request not to do so.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I had XXXX XXXX account deleted last month and just two days ago it was re-added back to my account. I have disputed this account provided the correct paperwork and Equifax keeps adding accounts not mines or deleted accounts. 

I have also added my ID since they do n't have a copy of it.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc. (FL)

I have a car loan with cad max, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. Car max sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused car max to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX and XXXX XXXX XXXX were the mortgage holders for my loan. I have a previous complaint against them ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments.
Consumer complaint received 2021-06-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I as of late sent dispute letters to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react
Consumer complaint received 2016-10-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code XXXX ).
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion and spoke to XXXX XXXX. I informed her that several inquiries on my report were reinserted on my report after previously being deleted. I got this information at the result of my credit monitoring. The inquires are : 1. XXXX XXXX XX/XX/XXXX, 2. XXXX XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX and XXXX/XXXX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 8. XXXX XX/XX/XXXX, 9. XXXX XXXX XX/XX/XXXX, 10. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 11. XXXX XX/XX/XXXX. I asked XXXX XXXX to permanently remove the reinserted items but she refused, even after confirming they were removed and then reinserted. I expected Transunion to follow the laws that are in place to protect us consumers.
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

For 6 years I have disputed with XXXX XXXX that the debt they placed on my credit report is not mine. The debt is only {$490.00}. I make $ XXXX per year. If I had made that debt, I would have paid it off by now. It hurts my credit. I am in need of credit. Out of principle, I refuse to pay it. That should tell you something. 

The point in the matter is that someone else used the card. I contacted XXXX XXXX and discussed it with them. However, they refused to pursue the case then and they continued to impose this debt on my report. 

Each month they restate this debt on my report. I won't pay it, again out of principle. The debt is not mine. 

Please help me. I finally want this behind me. 

XXXX XXXX Closed ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor Company Sold Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment Past Due Amount {$490.00} Highest Balance Terms Revolving Responsibility Individual Your Statement Comments Credit line closed-grantor request-reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
Consumer complaint received 2019-02-27
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. (GA)

XXXX XXXX XXXX  and XXXX XXXX are in violation of my consumer right, i do recognize the company and i have never done business with them before. please verify the accuracy and i need the account permanently blocked from my report and any future report from the company.
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (IL)

I am providing a follow-up complaint today to update you on my ongoing case as a victim of identity theft. In accordance with FCRA Section 605b, it is mandated that Credit Reporting Agencies expunge any items listed on an identity theft report, as in my case under reference # XXXX. Enclosed are the reattached documents intended to facilitate the removal of fraudulent inquiries currently reflected on my reports. Here is the list of inquiries that do not pertain to me or were opened without my authorization : -- -- -- -- -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/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. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I as of late sent dispute letters to XXXX, Equifax, and XXXX  on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react
Consumer complaint received 2020-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

on XX/XX/2020 my company gave me a paper that says for employees of XXXX : COVID-19 SEPERATION and I was temporially unemployed I filed for unemployment and received notice in the mail I was approved for one year but I never received a card to get my benefits it shows on line that they paid loaded it on confirmmy card but I didn't receive one my confirmation number is XXXX claimant id XXXX the two weeks I am owed for is XX/XX/2020 confirmation code XXXX the second week is XX/XX/2020 and confirmation code is XXXX send me my us bank card or please direct deposit my money to my bank the information is on my application for unemployment
Consumer complaint received 2017-10-15
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: CORELOGIC INC (MO)

I have several of closely dates hard inquiries from the same company. One authorization while looking for a mortgage rate does not authorize multiple hard inquiries. It seems as if they are malicious after the loan agent stopped contacting me after the pull. Additionally, once I did secure a loan company/agent, this looks to be malicious.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

We refinanced our home through WAMU in XXXX. After signing the documents WAMU added a predatory loan amount of {$1000.00} month to be charged to our principal. For five years {$1000.00} month was charged to our principal along with interest on a loan balance that ended up being $ XXXX in XXXX when Chase took over our loan. We were not successful in getting this resolved with WAMU before JP Morgan Chase took over our loan. Although after the takeover Chase did stop charging the {$1000.00} month to our principal we have had to pay interest on the {$60000.00} that WAMU added to our principal XX/XX/XXXX-XX/XX/XXXX. 
We have tried working through attorneys, financial advisors, attending homeowner help seminars to no avail. Chase maintains they are " stuck '' with what they bought ( or were forced to take over at the time ). In the past six years since Chase took over our loan we have paid interest on the {$400000.00} balance leaving us underwater from XXXX. We now owe {$350000.00} on our WAMU/CHASE loan that started at {$360000.00} in XXXX and increased to $ XXXX over 11 years. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

I am a XXXX XXXX for XXXX XXXX XXXX which means, social security number is my EIN and I am not required as a XXXX XXXX to have an EIN nor do I have to have an articles of organization or a business bank account. I do not have any employees I'm the XXXX XXXX for XXXX XXXX. I have a Chase Bank personal account and my XXXX  funds went into my Chase personal account and Chase Bank froze my account and demanded I give them an EIN number or a letter notarized on letterhead from a CPA. I told the bank that I am not required to have an EIN because I am a XXXX XXXX. I had to hire a CPA to give me a notarized letter stating I am a XXXX XXXX to give to Chase Bank. I got the notarized letter from a CPA and Chase Bank still refuses to release my XXXX funds. Chase Bank has done this to every XXXX XXXX who has a personal bank account with them. XXXX XXXX DO NOT have to have a business bank account only LLC and CORPORATIONS NEED TO HAVE BUSINESS BANK ACCOUNTS. I explained this to the loss management at Chase and they refuse to release my funds. Federal Cares Act do not require XXXX XXXX to have a business banking account because I/we are XXXX XXXX XXXX and our social security numbers is our EIN. There I need a resolution asap! This is absolutely ridiculous and insane.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Unauthorized Credit Inquiry I received a copy of my credit report today and discovered a hard inquiry from your company. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus.
Consumer complaint received 2017-02-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

[ Case number : XXXX ] Bank of America did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems (GA)

I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
Consumer complaint received 2021-01-18
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: Sarma (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2019, SARMA Inquiry : XXXX. XXXX, 2019, XXXX XXXX XXXX : XXXX. XXXX, 2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2015-12-08
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (VA)

Rushcard locked my account because they said my card was compromised and claimed they sent and email which they did not and locked me off the Website. I have n't been able to get my money going on three weeks and the customer service is awful. They put you on hold for almost an hour and then youre disconnect only to have to start over again!! I 'm behind in bills because of Rushcard. I 'm being penalized for something they did on their end! I NEED my MONEY!!
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX - FRAUD, PLEASE DELETE!!! 
The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (OK)

In mid 2022 I fell victim to a multilayered scam orchestrated by XXXX. This involved transfer of XXXX dollars from my bank to a recipient in EAST WEST bank who has cheated me of my hard earned money. 
I have down loaded details of the transaction and request for resolution to the bank and with no response from them.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit report in regards to XXXX. XXXX has failed to provide any verifiable evidence that I owe them anything ( see your own investigation notes Case number : XXXX ). The credit bureaus legally has to investigate within reason a dispute. Claiming that the company verified the account information simply by responding with " verified '' is not enough enough to keep reporting inaccurate information. And although credit bureaus can report unverified, false information, they are liable for the information they CHOOSE to keep reporting.
Consumer complaint received 2024-02-16
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. (AR)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my [ account/reference number ]. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

Since then, I have diligently contacted your company 's customer service department on [ list dates of previous attempts ] to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX/XXXX  XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX : {$50000.00}.