davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (OH)

I trust this correspondence finds you well. I am submitting to formally contest the inaccuracies present in my credit report concerning a specific charge-off account. It has come to my attention that the reported balance for this account is incorrect, as it should indicate a XXXX  balance. Specifically, I wish to address the account : XXXX XXXX Date Opened : XX/XX/2014 Account Number : XXXX Balance : XXXX. I wish to emphasize that I have satisfactorily settled and cleared the outstanding balance on this account in full. Consequently, the accurate and updated balance for this account should reflect XXXX. Enclosed herewith are supporting documents. I respectfully request that you undertake a comprehensive investigation into the aforementioned discrepancies and promptly update my credit report accordingly. It is crucial that the reported information accurately reflects the resolution of these accounts to prevent any further adverse effects on my creditworthiness.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XX/XX/XXXX, I joined a fraudulent XXXX XXXX XXXX XXXXXXXX that I quickly noticed was defunct. I contacted them, stopped payment and told them to remove all information about me from their system. ( email attached showing they " expunged my financial information '' ) Bank of America was very helpful. 

XXXX years later, in XX/XX/XXXX, they started charging my card again. BOA was again very helpful but every time there was fraud, I had to change out my credit card number. The first charge was XX/XX/XXXX - charge declined - NEW CARD ISSUED *put stop payment on " XXXX XXXX XXXX XXXX * XX/XX/XXXX - merchant uses new name - charge declined XX/XX/XXXX - merchant uses same name - charge declined - NEW CARD ISSUED XX/XX/XXXX - merchant uses same name - charge declined XX/XX/XXXX - merchant uses same name - charge declined XX/XX/XXXX - merchant uses different name and amount - charge declined At this point, my husband contacted BOA because we want to know how these people keep getting our new card information. With their customer service, we realize that BOA requires us to opt in to the XXXX account updater. Apparently, other credit unions etc... allow you to opt out. BOA says it's XXXX 's fault - VISA says it's BOA fault. No one will help us and now we have to close our XXXX XXXX XXXX credit account while we are in the process of trying to buy a house. 

On XX/XX/XXXX, another payment went through to XXXX XXXX XXXX XXXX based out of NY XXXX in the amount of {$190.00}. NEW CARD ISSUED I have stopped payment and they have issued me a new card but will not do anything to protect my new card information from being shared. The customer service guy said something about a digital wallet ( which I don't have ) and seemed to know nothing about this XXXX account updater agreement. The next actionable item is to close my account. Any help is much appreciated.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (TX)

I have an account with Mercuryhttps : //mercury.com/ My company name : XXXX XXXX Mercury closed my account on XX/XX/2024 and withheld the balance on my account. 

The total amount involved is US {$87000.00}.

This resulted in my company XXXX XXXX paying a liquidated damages and currently facing the risk of bankruptcy It has been XXXX months so far, which is beyond the time for any bank review. I suspect that they are holding my funds maliciously. I tried to communicate with them by phone and email, but they did not make any reply.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Estate division since XX/XX/2023 when our XXXX XXXX  has not released XXXX funds despite numerous attempts on my part. This last time I was informed my paperwork had been 'deactivated ' in error and they would work to re activate it. When asked why the paperwork which I had been informed was correct was deactivated no one seemed to know why, I have spoken to numerous employees, I have called and emailed numerous times. Keep getting different answers. This is a simple TOD from my mothers account to my Wells Fargo Account, which they have placed numerous road blocks to prevent the timely transfer of these funds. They have sent emails meant for me to my sister whose name and email are nothing like mine. When asked why no one seems to know. 
This has been very frustrating and time consuming and does not seem to be any progress after these months of waiting and jumping thru their hoops. 
I have no idea what game they are playing but I've had enough. 
I have case numbers and confirmation numbers and a thick file of dates/calls and emails, and other correspondence but what I don't ' have is the money my mother left me. 
Please help me. 
Thank you
Consumer complaint received 2020-07-02
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)

I just received my social security number in XX/XX/XXXX and got up to inquiries and accounts opened from XXXX. Informed the CB  that file was mixed and they stated that I needed 30 days to resolve. This has affected my opportunity for employment and when asked for them to produce proof that information was mines they could not.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I do not spell my name in all caps. This means dead person. This is the corpation name given to me. My only lawful spelling is XXXXXXXX XXXX XXXXXXXX nothing else. 

Your credit reports state Discover {$3100.00} XXXX {$14000.00} XXXX {$1300.00} XXXX  XXXX {$4300.00} and {$1400.00} XXXX XXXX {$3700.00} XXXX  {$590.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$5000.00} XXXX XXXX  {$3600.00} No above account has that balance?? 

Since most businesses use the basic method of accounting the offset is mandatory as a result of their reporting practices. The law does require accurate reporting, and failing to report something means you are not accurate, it is not verified, it is not verified, and the law requires validated, verified and accurate reporting. It requires all these three issues to be addressed by every single creditor. This is the reason why we have the fair debt collection act in the first place. The fair creditors reporting act was Established because the creditors were not accurate at all. They must report debts accurately. 

XXXXXXXX XXXX XXXX XXXX XXXX. 
This case said creditor failed to update the consumers credit report. The debt was discharged in bankruptcy. 

IRS topic 453 They can not make no claims 1099c cancellations of debt 90 days document default 180 days they can write balances off.

After 90 days the IRS gives them a 1099v cancellation of debt. Its called write offs, charge offs, debt forgiveness, cancellation of debt. 

The creditor has a duty to report this information. The fair credit reporting act requires for accurate credit reporting and if a debt has been disclosed and or written off the creditor has to notify the creditor and the fair debt collection act as well as the uniform commerical code, but creditors receive a benefit and must notify the borrower as well. You are receiving a tax benefit to offset the debt. Every debt is associated with a contract, which corporates contract law : contract law requires parties to operate in good faith, clean hands, and to communicate with one another. The most basic part of contract law is parties have a duty to communicate with one and another. You also failed to take into consideration, receives a benefit from writing off a debt that is forgiven, it can not under the law under the fair credit report act, allow that original debt to remain unchanged. The benefit operates in a benefit or set off and that means the accounting must be offset, what ever you call it a charge off, write off etc is a benefit offsetting, benefit acts as a positive.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (MI)

Discover has on multiple occasions manipulated file data on closed account to further hurt score. Most recently they have moved the date of last payment to XX/XX/year> to further hurt score and prevent any new credit. Discover previously stated all information was verified but now are putting in data points specifically to further drop credit score. Previously the account was marked as having now payment since XX/XX/year>. When validity of these errors was disputed they began changing data to update to further add more poor marks to credit. Included are both the previous file as well as the updated file they have made false remarks on.
Consumer complaint received 2024-02-06
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. (OH)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXXXXXX Balance : {$83.00} XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$560.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$330.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$5200.00XXXX 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
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have some collections on my report from Portfolio Recovery. I sent them a validation of debt letter because this is something I need to be verified as the amounts do not sound correct. All they sent me was a credit card statement from the original creditor. As I am looking over the statements the amounts that they are saying I owe on my report are not accurate compared to the statements they have mailed to me. I disputed with all 3 bureaus I did do this online without knowing I should do this with a mailed letter. I asked the bureaus to do an independent investigation rather than taking their word for it. The bureaus did just that and took their word. I am trying to buy a home and this is damaging my credit report. I understand the collection agencies are to report information exactly how the original creditor provides to them. Not add a few cents on the dollar to collect from me. The bureaus claim its accurate and said it is updated when in fact it is not updated. The same info appears and all they did was update the Date of last activity on 2 of the 3 bureaus. I am asking this to be investigated thoroughly since the bureaus wont do it. I want this information deleted from my reports because the info they are provided is not true and accurate. Reporting past due balances on some of the collection accounts the account is past due by default. Reporting payment history after the close date. These are all things that should not be happening. I can not get the bureaus to do a thorough investigation so I am asking you to do so.
Consumer complaint received 2020-07-02
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. (TX)

XXXX ONEDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX   XXXX, XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred
Consumer complaint received 2024-02-06
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report :
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX
Consumer complaint received 2024-03-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC (MI)

Green sky has been told that this loan was fraudulently placed in my name and that legal services was attained. They started sending mail with XXXX name on it to my address I. Michigan and she does not live with me. I have no loan documents and never signed any. My son and XXXX have paid this account to be exact XXXX has made the payments only! They got divorced and now somehow I am on loan as primary. They are to collect money from her they had payments coming out of sons account so what happened! They are harassing me and attorney has said to cease contacting me.
Consumer complaint received 2022-08-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I purchased a home security system with XXXX and was provided a credit line from Citizen 's for the equipment ( XXXX ). When I moved, prior to completion of the contract, XXXX was contacted and I was informed I could leave the equipment and they would update Citizen to waive further fees. I then signed a new contract with XXXX and secured a new credit loan with Citizens for the new equipment ( XXXX ) in XXXX of 2021. Citizens One continues to try to deduct money for the closed account despite my good standing with the new account. I have spoken to Citizens One with XXXX in a 3 way call and was assured on 4 occasions that the matter was resolved. On the last call with Citizens, I was told it was an issue with XXXX and they would not be able to help me despite their continued collections on a closed account.
Consumer complaint received 2020-07-02
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. (TX)

show tooltip button XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXX.Dispute XXXXDispute XXXX   XXXXDispute OFFICE OF THE ATTY GENERDispute OFFICE OF THE ATTY GENERDispute XXXX XXXXDispute all ftc violations sent and filed
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (PA)

Mobile deposit of checks from my XXXX checking account are rejected. Customer Service could not provide explanation. Message via Chime Help option not answered. 
In addition, two rent checks {$440.00} each were returned to the Rental Management as Insufficient Funds. 
Funds were available in the account to cover these checks. There were no holds or pending transactions. 
I had to withdraw funds from the account at an ATM to purchase Money Orders. This has caused additional fees, inconvenience and the XXXX XXXX will no longer accept checks for rent payment.
Consumer complaint received 2024-02-06
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX