davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I've sent a payment check to the company back at XXXX and they cleared it only this week, reporting late 120 on my credit report, closing my XXXX XXXX XXXXnd causing my damages to my credit and losing my mortgage!
Consumer complaint received 2023-06-13
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For Transunion/XXXX/ XXXX  & Attorney General/Consumer FinanceXXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX  XXXX XXXX  ACCT : XXXX AMT : {$760.00} XXXX XXXX XXXX  ACCT : XXXX XXXX : {$1600.00} XXXX XXXX, XXXX. ACCT : XXXX AMT : {$100.00} XXXX XXXX XXXX  ACCT : XXXX AMT : {$150.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : You also have an inaccurate address listed, which will be removed immediately without prejudice : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX  and XXXX, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2024-02-21
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. (OK)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (WI)

In XXXX of XXXX, i received a letter from Rausch Sturm, advising me of a debt that is owed. I called, set up a payment plan, paying 50 % down, and the rest in a series of payments. A week later i was able to come up with the funds, and called them to just resolve the remainder owed. I set up a check by phone in XXXX of XXXX and paid the balance. I never received a receipt for either payment, and didn't hear from them again. Until i received a letter in the mail in XXXX of XXXX stating i still owed the other half of the balance. i called right away to let them know i paid this. The person i spoke with stated she will notate my account as disputed and if they need to contact me they will. I didn't hear anything more from them until XXXX of XXXX when i was served court paperwork. I called them again to find out what had happened with my dispute and the fact that this was paid. They told me that the check in XXXX of XXXX for the 2nd half was returned as not authorized. I never received anything from my bank or from them informing me the payment didn't go through. They have violated so many FDCPA laws by not contacting me back about my dispute, my payment that " didn't '' go through, and then after i paid it 2 weeks ago- they still have not dismissed my court date which is still showing in 2 days as active. I called today to find out why this hasn't been dismissed and they advised it is my responsibility to handle the court case. I again don't have a receipt showing payment in full, so i don't have any ability to show the courts that this has been resolved. This company has made my life XXXX. I have done everything the right way, and yet here i am still having to take care of their mishandling of things. i have sent 3 complaints online, and none have been acknowledged. I asked to talk with their compliance dept and was refused. They said they would have someone call me. Something needs to be done with this company and their treatment of consumers. I paid my bill and i am still having to deal with everything.
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BANK OF THE WEST (FL)

We are the sellers of our RV that is financed with XXXX XXXX. The buyers are financing with Bank of the West/Essex Credit Division . 

Our signed Purchase Agreement dated XX/XX/XXXX, states {$83000.00} has the sales price for the RV. We also signed a Power of Attorney giving Bank of the West the ability to do the title and registration once the Purchase Agreement was executed. 

On XX/XX/XXXX, the buyer, per instructions of Bank of the West, sent our bank, XXXX XXXX, a check for {$100.00} On XX/XX/XXXX, a check from Bank of the West was sent and posted to our XXXX XXXX  account for {$78000.00} which paid off our RV Loan. We did not see any other payments posted except for this {$78000.00}. 

On XX/XX/XXXX, we contacted the buyers to arrange for the remaining balance which we calculate as {$4400.00}. Once the balance was paid, we'd arrange for buyer possession. 

On XX/XX/XXXX, the buyers contacted us and said Bank of the West instructed them to sent {$100.00} to XXXXXXXX XXXX and to pay us {$4000.00} ( which is what Bank of the West calculates as our balance owed ). We disagreed with the amount owed. We communicated that clearly in email and texts to the buyers and to their bank and that the amount owed is {$4300.00} after crediting {$100.00} sent to our bank. 

On XX/XX/XXXX, we are still in disagreement with the amount owed. We communicated that clearly again in email to the buyers and to their bank and that the amount owed is {$4300.00}. Since we weren't in agreement, we asked the buyers to arrange a conference call with their bank, the Bank of the West for XX/XX/XXXX at XXXX EST. 

On XX/XX/XXXX, we could not get the parties to join a conference call. We communicated that we are still owed the {$4300.00} to complete the Purchase Agreement. 

We are very concerned we will not see the amount owed of {$4300.00} and the buyers bank is proceeding with the title transfer and registration of the RV. We are still in possession of the RV and the keys and have communicate we revoke the Power of Attorney for the tiltle transfer and registration unit the amount owed of {$4300.00} is settled.
Consumer complaint received 2020-07-17
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. (IL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

My account was opened on XX/XX/22 with the promotion : Open an M & T XXXX XXXX or XXXX checking account and receive a sign up bonus of {$250.00} when you set up a qualifying direct deposit of {$500.00} or more within 90 days of account opening. 

On XX/XX/22 I received a Direct Deposit from my employer in the amount of {$1000.00}. 

The promotional bonus was due on XX/XX/22 yet it has not been credited to my account.
Consumer complaint received 2021-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed inaccurate, unverified and HIPAA VIOLATION account information on credit report on XX/XX/2021. It has been more than 30 days and XXXX, XXXX, and TransUnion hasn't removed inaccurate, unverified and HIPAA VIOLATION accounts.
Consumer complaint received 2020-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (AZ)

Went to get car fixed. The total in charges was roughly 4k. Because of covid I could finish the payments withing the three months allotted. They doubled the amount owed to over 8 thousand dollars. The funny thing here is the taxes where on the bill so it should have been part of the loan. Everytime I make a payment they charge me another tax on top of what was included in the bill. Didnt the U.S. get rid of these types of business that are extorting money at an outrages amount. Now I'm being told that they wont work with consumers due to covid and the supervisor XXXX just hung up on me. What can be done?
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (SC)

Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MO)

I have sent two validation letters in XXXX/XX/XX/2021 to Transworld Systems regarding them that they're in valuation of HIPPA law in attempt to try to collect on a debt. The company has failed to validate my debt. Instead they sent me a list of my medical records instead of my HIPPA release form which I requested in the letters I sent which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. I also requested for Transworld Systems to send me this specific information in those letters with my signature and to see how they receive this private information regarding my personal health and they failed to do so. This negative reporting is damaging my credit worthiness to obtain housing for my family in these struggling times we all are living in. Please delete this information from my credit file and cease all collection activities failure to do so I will be perusing legal actions. 

Thank You
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When I opened the account I used my government-issued ID ( Passport Card ) to start a new account with Capital One.

Somewhere along the line I lost my old phone and got a new one. Upon attempting to reach Capital One about updating my account they stated my Passport Card was not a government-issued card. I then got transferred to a manager in the XXXX with agent ( XXXX XXXX ) that stated that my Passport card was a " XXXX '' and not a government ID. And to go get a Drivers License. I am a XXXX Veteran I can not drive. 
After disputing for over 2 hours I was sent to the fraud department with agent ( XXXX ). Where they told me to take a picture of the ID. I took over 10 pictures and the sofwate would not recognize the passport. She stated there was nothing else possible to do. 
after I mentioned her I was a XXXX veteran the call disconnected.
Consumer complaint received 2020-07-17
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. (IL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

Last Friday ( XX/XX/XXXX ), someone used a virus to hack my phone and accessed my bank to attempt to deposit two bad checks while taking some actual money out. This led to Chase deciding to restrict my account. I tried to talk to them, but they insist on punishing me even though I was the victim of a computer hacker. The big problem is my SSI ( government benefit ) came in today ( XXXX ) and my rent is due, but they refuse to release any of my money until paying them {$25.00} for the bad checks the hacker left behind and waiting until Monday. This is unacceptable because my rent is due and these are government benefits and I did nothing wrong. Now I have to shell out extra money I don't have just to get my Social Security benefits! They really have no right to hold my federal entitlement, and this could get me kicked out of my housing because the landlord has been getting strict on everyone in the building and has personally had it out for me for years. I have no idea how I'm going to make it through the next few days now.
Consumer complaint received 2022-09-12
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. (MS)

This account been on my report for reporting incorrect or inaccurate. It has caused me a lot troubles including job turn downs. I have been in contact with bureaus about this incorrect report. 
In accordance with the Fair credit reporting Act. Everything has to be 100 % accurate on my report. 
The credit bureaus stated my accounts was properly investigated but this is not possible if balance is not being reported correctly, no information of validation from debtor, wrong address on report it not deliverable. ( XX/XX/2022 ) balance updated is inaccurate ( XX/XX/2022 ). Account has been on report for 7 years. Has been report deliquent for 6 years or more. High balance of XXXX on TransUnion and {$170.00} on XXXX. XXXX o investigation was done. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States that I have the rights to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting can not furnish an account without my written instruction. 
Also the credit bureaus did not validate these debts and provide me with proper documentation requested that should have been provided in there investigation and placement of this account XXXX my credit file.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (OH)

I tried to link my bank account directly to a charity to save them some fees on XX/XX/2020, and PNC will not allow the connection to be made. I also utilize a savings service app that can not to connect to my bank account multiple times a week, even though it's a service I pay to use.