davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my  Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter.

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 2021-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (CA)

On XX/XX/2021, a debt collecting agency named Credence Resource Management , LLC filed a derogatory collection notice to all three credit bureaus on behalf of the originating creditor named XXXX XXXX. The debt collecting agency did not provide a formal notification to the consumer ( Formal Correspondence for notification of Debt ) in order to validate the debt and provide the consumer the opportunity to dispute the debt if it was deemed invalid. As a consumer, I had to do my own research by contacting the debt collecting agency and the original creditor regarding the debt. After a thorough research it was deemed through XXXX XXXX that I have NO current outstanding debt with the company ( Based on the telephonic conversation with the XXXX  Customer Service Representative on XXXX XX/XX/2021 at approx. XXXX XXXX. I believe this debt collecting company violated the Fair Debt Collecting Practices as governed by the FTC and in violation of the Fair Debt Collection Practices Act under 15 USC 1601 ( 805-808 ). I am requesting assistance to have this derogatory report to be removed from all credit reporting bureaus.
Consumer complaint received 2019-05-14
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. (FL)

Racial Discrimination Complaint : XXXX XXXX v. 

XXXX, XXXX. & TransUnion Violation of Sec. 1681n. Civil liability for willful noncompliance : by not providing or listing to me in their numerous responses the name of the third-party that provided the public records on my credit report listed as a bankruptcy in the responses filed by the credit bureaus and the proof of the verified source that has caused me serious financial harm : 1. XXXX  XX/XX/2019 2. XXXX XX/XX/2019 3. TransUnion XX/XX/2019 I am outraged these companies continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third-party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Based on the fact that I am an XXXX  American, as well as the fact that I have provided these companies, XXXX, XXXX, and TransUnion with a copy of my driver 's license which represents my race, I believe these companies have targeted me based upon my race as an XXXX  American in the manner in which they have failed to provide evidence of who their " Third Party! '' Where in fact these companies have not verified this case with the actual courts based on using my social security number.

I have asked for the who the third party source over the past 8 months and each company has violated my rights under the Fair Credit Reporting Act
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This complaint is towards Capital One. I am a XXXX  citizen and I have been a card holder of capital one for over ( 10+ years XXXX. I notice on my XX/XX/XXXX - XX/XX/XXXX bill there was a late charge XXXX {$25.00} and interest {$7.00} XXXX. I call Capital One to inquire about the charges when I in fact ( 1 ) received my bill on XX/XX/XXXX and payment had to be submitted by XX/XX/XXXX and my payment was mailed to them on XX/XX/XXXX XXXX personal check ). After a lengthy discussion with an agent about the effects of COVID-19 on the delivery of mail, I was informed by the agent that there was nothing that they could do about the interest but they could remove the late fee. I accepted the removal and asked if I could speak to a supervisor about the removal of the interest. After speaking with a supervisor she stated that there was nothing she could do to remove the interest. On my XXXX - XXXX XXXX XXXX ) invoice I notice that there was a late fee {$25.00} + interest {$3.00}. I once again called Capital One to inform them of when I received my invoice and when I had mailed it off, XX/XX/XXXX XXXX bank cashiers check ). This time the supervisor stated that he would not remove the late fee nor the interest. According to Capital One 's agreement the billing period is ( 31 ) days and the card holder is asked to mail their payment within at least a ( 7 ) day period. On each occasion I mailed my payment more that ( 7 ) days given the mailing issues. It appears that to Capital one that I can get my invoice at least ( 10 ) days after the end of the billing period, which leaves me less than 28 days to send in the payment and this should be an acceptable practice. I am penalized for the downfall in the USPS but there is no penalty for Capital One. I'm not a XXXX citizen who is just speaking for himself but I am speaking for those XXXX  who will not speak for themselves and for those who can not speak for themselves.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (VA)

I paid my balance in full using my debit card on XX/XX/2021. The transaction appears on my bank statement as completed but there is no record on the creditors end as receiving it as of XX/XX/2021. They have reported the account 30 days late to all three credit reporting agencies.
Consumer complaint received 2024-02-21
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. (TX)

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 the XXXX, Transunion, and XXXX to investigate these accounts below. 

XXXX XXXX XXXX Account # XXXX I dont have the full account number but I did add what is reporting on my credit. 



However, 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 suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (CT)

Please help! After being a loyal customer for over ten years, TD Bank suddenly decided to " demarket '' my account. They blocked my online banking so I can not transfer my funds. I need your help. They are railroading me. 

On XX/XX/21 XXXX XXXX, the store manager, told the Customer Service Representative, XXXX, that all I needed to do was come to the branch and my funds would be released in-person. XXXX even said I could go through the drive-through to pick up the funds. So, I did what I was told. I arrived at the bank at approximately XXXX and XXXX XXXX and her banking associate, made me wait for almost two hours. They did not see me until XXXX. They knew who I was. They treated me with disrespect and discrimination. I would not recommend this bank to anyone. XXXX XXXX should not be a manager. She treated me like a common thug. 

Finally, two hours later, XXXX XXXX says she does not know what I am talking about. She tells her partner to call the mysterious " Marketing Department ''. The associate calls and leaves a voicemail. A voicemail? Really. XXXX XXXX said the department must be closed. She is a liar. I read that they department does not answer phone calls. She says they will get back to them in 24-48 hours. But, they never indicated when they will get back to me? Nor did they answer any of my questions. They did not explain why my account was de-marketed. They did not even want to help me. I asked why XXXX told me that the money would available when I got to the bank? They had no response for me. They were rude, cold, and they did not help me. They did not care about my situation. XXXX XXXX needs to be replaced with a manager who actually cares about human beings. 

I have over 2500 $ -3000 $ in the account. They blocked my online banking so I can not see what the exact total is. Please help. TD Bank is horrible. After being with the bank for XXXX years, you think they would have the common courtesy to treat you with an iota of respect. They are thieves. 

I trust you will help me get my funds back.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX To Whom It May Concern : The creditor that I am requesting a complete review on was one of several creditors I recently paid in full, and the agreement in place at the time of payment was that the account would be deleted from all pertinent credit reporting agencies. It would be appreciated if the account in question would be deleted immediately, and that my file to be purged accordingly. 

Thank you. 

XXXX XXXX
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was checking my bank account to see if my check was posted on Monday, throughout the day it appeared that I had plenty of funds. The next day, I checked my account and the check was listed as posted the day before, and a XXXX dollar fee was assessed by Bank of America. I spoke to them via chat function and they stated that they let the check go through and assessed the fee. They would not refund the fee as they state that the check. was posted on the day before ( even though it did not appear on my online banking app )
Consumer complaint received 2017-05-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AR)

I am in the process of closing on my home. I pulled my reports on  XXXX   XXXX ,    2017 and no tice this new collection from "  Jefferson Capital System '' add to  my reports. Which caused my scores to drop. I never received any notification from this company. They just added this collection to my report. There is a 30 day validation before adding a collection to a consumer report. I never received anything to my home address to ask for validation from the collection agency. This is a third party collection agency. I never signed a legal binding contract with them. I am very  XXXX  about them adding this negative account to my reports. I am a week away from closing on my home. I need this account immediately removed from all three major credit reports IMMEDIATELY. This negative account will cause delay in my home ownership.. #  XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I just received an alert from my 3 credit bureaus letting me know a collection agency by the name of XXXX XXXX XXXX is reporting negatively on my XXXX, Equifax, and XXXX XXXX Credit report. When I got access to my 3 bureau credit report, I noticed that they collecting on behalf of XXXX XXXX I immediately called XXXX and spoke to a rep by the name of XXXX, XXXX ID XXXX XXXX. I informed XXXX that I've never had any account with their company. He asked for my first and last name and social security number. I gave him my personal information and he was able to confirm that this account was a cancelled account and I owe no money to them. I then informed him that a collection agency by the name of XXXX XXXX XXXX is negatively reporting on my 3 bureau credit report that I owe them money and that they are collecting on behalf of XXXX XXXX The rep told me to reach out to this collection agency immediately because they are reporting a false account on my credit report which I owe nothing and ask them to remove this account immediately. 
When I called XXXX XXXX XXXX, prior to speaking to anyone, their system asks you to input your social security number in their system so that they can pull up any account associated with my social security number. When I inputted my full social security number, their system confirmed I do not have any account with their company. But I still wanted to speak to one of their agents because its reporting on my XXXX, Equifax and XXXX XXXX Credit Report. 
The agent 's name I spoke to is XXXX, Employee Number : XXXX. He is a supervisor with XXXX XXXX XXXX. He asked for my last XXXX of my social security number. I gave it to him and he immediately said he is collecting on behalf of XXXX XXXX So I asked if I could give him my full social security number instead of my last XXXX of my social security number. He refused to accept my full social security number. So I asked him if we could get XXXX on the phone so that they can tell him that I never had a XXXX  account and I owe XXXX no money. He refused to call them but instead he said he wanted to file a fraud case instead. So I asked XXXX what fraud was committed besides his company illegally representing XXXX as their client which their claiming to attempt to collect on behalf of because I owe XXXX no money at all . He responded with, " This is our process ''. 
Below is the account information of this fraudulent collection agency grossly overstepping their authority by falsely representing XXXX as their client which their collecting on behalf of : XXXX XXXX XXXX - XXXX they claim I owe : {$1200.00}
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing the late payment accounts listed on my credit report due to a tragic event that affected my finances. The associated banks have agreed to remove them under these circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I've discovered inaccurate information on my reportan incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (PA)

Hey Experian, I never gave XXXX XXXX XXXX nor XXXX permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Systems, Inc. (FL)

I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really? 

Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress. 

HELP!
Consumer complaint received 2015-06-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Northland Group Inc (MN)

I am a victim of identity theft and do not owe a debt to Northland Group Inc., XXXX A representative from Northland Group continuously called me back and harassed, verbally abused me and threaten me with being arrested by the XXXX Sheriff's Office of I did not pay the debt off. Northland Group Inc., is in violation of the Minnesota Debt Collection Laws and the Fair Credit Reporting Act.
Consumer complaint received 2018-06-11
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-11
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. (CA)

Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (NV)

The company is reporting inaccurate and damaging information on my credit report. The company failed to give notice prior to reporting this item on my credit report. They also failed to validate the debt. They are reporting 21 times a charge off on one account. How can any single account be charged off 21 times? A negative of 4 120 days late back to back. There are only 30 days approx in a month. How can I be 120 days late each month for 4 months? The date opened, credit limit, responsibility, and payment status is reporting inaccurately. There is also missing information not being reported. This inaccurate data is damaging my credit score. There is also inconsistent information being reported to different bureaus.