davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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. (OH)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate and so much more. This grounds 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 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : CXXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX ( XXXX removed XXXX XXXXXXXX XXXX due to inaccuracies ) Account name : XXXXXXXX XXXX  Account # XXXX ( XXXX removed XXXX XXXX XXXX due to inaccuracies ) Account name : XXXX ( XXXX and XXXX have it has XXXX ) Account XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX Also the credit bureau took more than 30 days to complete my investigation , here is my complaint ID # XXXX opened on XX/XX/2022 and company responded on XX/XX/2022
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-29
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: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank is paying approximately .01 % interest in savings balances. When the national interest rates were near zero, that made sense. Now, short term interest rates are near 4 %. The bank is taking advantage of small savers and making massive profits with the miniscule payouts to their savings customers. Probably happening at XXXX XXXX XXXX XXXX XXXX 
Should be getting some national attention. 

Can you help bring this to light????
Consumer complaint received 2024-02-10
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. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2022-11-14
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-02-10
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX Balance : {$6700.00}.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WI)

On XX/XX/22, I inadvertently paid {$1800.00} to The Home Depot via my online banking bill pay system. The payment should have gone to XXXX ( my mortgage company ). I discovered my error within days. Since that time, I have spent upwards of 15 hours on the telephone with various Home Depot payment escalations teams, managers, supervisors and also directly with CitiBank ( who services their credit line ).

Because my Home Depot credit card was 'cancelled ' several years ago due to non-use, everyone is struggling to locate my payment. I involved my bank, Associated Bank, who faxed a letter ( at CitiBanks 's request ) to their payment research team at XXXX. They claim they did not get the fax. 

On XX/XX/22, I was told to obtain proof of payment from my bank. I did this. I provided my ( now closed ) account number, the payee routing number and last 4 digits of their account number. I also provided the credit trace number and file trace number to help them locate my payment. This, too, did not help them. 

On XX/XX/22, I filed a formal payment error claim with my bank. 

This is extremely frustrating to not get any help from Home Depot or CitiBank. It has been close to 7 weeks. If they received payment referencing an account number that has been closed for years, I should have received a check in the mail by now ( many people I have talked to at both Home Depot and CitiBank have said this as well ). Nothing!

My CLOSED account number with Home Depot is XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Any help you can provide would be greatly appreciated.
Consumer complaint received 2021-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (MI)

XX/XX/2021 Credit Solution Sent a notice that a notice was sent on XX/XX/2021 an attempt to collect a debt of {$190.00} they're third party debt collectors I do not owe this debt I don't have a contract with this company
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$13000.00}.
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp. (AR)

I recieved a summons from a lawyer representing Absolute Resolutions Investments , llc . XXXX. 
The complaint alledges that I owe {$1100.00}. 
I checked my credit report and saw that Absolute Resolutions Investments , llc had already reported this alledged debt to my credit report opened XXXX Under the rules of FDCPA credit report entries do not constitute a form of first communication. 
According to the FDCPA a communication in the form of a formal pleading in a civil action shall not be treated as an initial communication. 
According to the FDCPA before a debt collector can report a debt to a credit reporting company they must notify you about the debt by phone, mail or electronic communication. 
I was never notified of this alledged debt and was never notified of my right to dispute said debt
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$13000.00}
Consumer complaint received 2022-11-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (FL)

XXXX XXXX does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, XXXX XXXX reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act 15 U.S. Code 1681b, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, Equifax, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.
Consumer complaint received 2022-11-14
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. (AL)

XXXX submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX Account # : XXXX Balance Owed : {$4900.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$940.00} Date Opened : XX/XX/XXXX XXXX  BANK Account # : XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 

Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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.
Consumer complaint received 2023-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX - I received email from Bank of America that I had messages to review. When I logged in and opened them, it had to do with insufficient funds. But there was over $ XXXX in the account. 

When I called in, I was told the account was on " hold '' due to an ACH transaction I had initiated with another already-verified institution that I was told could not be " verified ''. I was told the " hold '' began on XX/XX/XXXX. After several conversations with the Fraud department at BofA, I was told the only resolution was to bring a copy of my bank statement from the other financial institution showing I owned the account. 

WHY WAS I NOT CONTACTED DIRECTLY BY THE BANK?? INSTEAD, I HAD TO CALL THEM. 

XX/XX/XXXX - I worked with a banker ( XXXX XXXX at the local BofA branch to accept the statements and he made copies while I was there and I was told it should take XXXX hours for the " hold '' to clear. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. 

XX/XX/XXXX - I called BofA Fraud department and was told the " hold '' was still in place. After asking for escalation I was then informed that no one received the paperwork and was told I would need to revisit a branch and provide the forms again. 

XX/XX/XXXX - I visited a branch and again provided the statements that were asked for. I was told that as long as the information looked correct, that I should expect my " hold '' to be removed by the end of the day. 

XX/XX/XXXX - I again called BofA Fraud department and after escalating to a manager was told that they could legally have a " hold '' on my account for up to 30 days while they go through the verification process.
Consumer complaint received 2017-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC (MD)

I sent two letters via certified mail,  one  to  XXXX  and  one  to " Debt Recovery Solutions ''  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX , regarding the same debt ( {$170.00} ) asking both to verify the debt.  XXXX  did not respond. Howev er, Debt Recovery Solutions sent a copy of an old bill as " verification '' of the debt. This debt was previously discharged in bankruptcy. This negative mark has been on my credit reports for months causing harm to me. I have asked " Debt Recovery Solutions '' to remove this from my reports to no avail. I am prepared to file suit against this company, but would am attempting by other means to try to resolve it first. The bottom line is that the debt is not owed. Debt Recover Solutions is reporting false and inaccur ate information on my credit reports.
Consumer complaint received 2022-08-06
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. (FL)

This is not mine. XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX, XXXX, VA XXXX. ( XXXX ) XXXX
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XXXX and and maintained at least 70 days. So far still do not receive the bonus from Citi. 
I received the personal invitation code XXXX from the bank and did what they requested, they should credit the {$500.00} right away