davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-08
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. (FL)

My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hello, this is a formal complaint that you are reporting inaccurate and incomplete information on my Credit Report. This is resulting in me not being able to qualify for a business loan and having higher interest rates. I am already dealing with financial hardship because I was laid off from work and XXXX XXXX. I dont need any more stress. Please investigate the following information. I have a bankruptcy record from your court appearing on my credit report. Ive disputed this item with XXXX, XXXX, and Transunion. XXXX and XXXX investigated, found the inaccuracies, and removed the bankruptcy record from my credit report. Transunion sent me a letter stating that they verified the record, and it is accurate. However, this cant be true because I was a victim of fraud so I froze all of my credit files ( including XXXX XXXX ). I also contacted the bankruptcy court and they sent me a letter stating that they DO NOT verify their records with any of the credit bureaus. 
I am going to attach the letter. I have disputed this record with Transunion several times asking them to provide the procedure which they used to verify the account with me and the only thing that they kept doing is sending me dispute result letters saying the record was verified, but not by who. Like Ive said before Ive contacted the courts and they dont verify public records, so I believe that my bankruptcy record was never verified in the first place. I have disputed this record 7 times starting from XX/XX/XXXX, to XX/XX/XXXX. The reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. I am going to attach the letter from the court showing that they do not verify information with the credit bureaus. I am also attaching proof that the bankruptcy was deleted from XXXX and XXXX as well.
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: CITIBANK, N.A. (NY)

They did not exchangXXXX XXXX XXXX XXXX by the rate. The exchanged it XXXX pound and XXXX euro each for {$1.00} US.dollar. everyone knows XXXX XXXX XXXX are worth more than USD. When I was buying it, it cost me more. Please help. I've been robbed by Citi.Bank
Consumer complaint received 2021-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate XXXX accounts. XXXX has not removed these duplicate accounts. XXXX  and XXXX  have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXX, XXXX submitted an in-school deferment request to XXXX. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove Kohl 's which was paid in full on XX/XX/XXXX. They have failed to remove that as well.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MA)

I have a debt owed to XXXX XXXX. The problem is 2 separate collection agencies are reporting that they own the debt and I currently have 2 negative reports on my credit. I have disputed both charges between XXXX XXXX XXXX as well as midland funding. They both claim to own this one debt, have added on fees and are trying to collect on it.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2020-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMO Bank, N.A. (FL)

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by BMO HARRIS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein show I have sent 2 cease and desist letter in which BMO HARRIS BANK N.A continue to take money from my account for an alleged debt that is not owed. I am the original creditor and BMO HARRIS BANK N.A . have not verified where the credit came from because banks can not give credit nor loan money. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Exhibits attached show my attempt to collect on my money that I loan BMO HARRIS BANK N.A . but the haven't did so as of XX/XX/2020. Exhibits showing my efforts for BMO HARRIS BANK N.A . to rectify this matter.
Consumer complaint received 2022-12-08
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian and XXXX 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 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$630.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) 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 fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and 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 and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX  ; XXXX  and Transunion are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Consumer complaint received 2021-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

In XXXX of XXXX I switched auto insurance companies. XXXX  sent me a letter in the mail stating that I owed a partial balance but I did not receive it because I moved. In XXXX of XXXX they sold the supposed debt to " Credit Collections Services '' of XXXX. XXXX XXXX XXXX Ma XXXX. On XX/XX/XXXX Credit Collections Services started reporting this debit to XXXX  and XXXX but by XX/XX/XXXX the debt had already been paid to XXXX. When I disputed it with XXXX on XX/XX/XXXX XXXXredit Collections Services submitted false documentation to XXXX stating the debt was still unpaid. Despite me submitting documentation to XXXX and XXXX proving there is no debt owed, the false documentation submitted by Credit Collections Services caused my score to drop almost 80 points and they are still reporting this false information as of XX/XX/XXXX. I want this IMMEDIATELY REMOVED FROM MY REPORTS AND I WANT THIS COMPANY INVESTIGATED FOR THEIR FRAUDULENT PRACTICES!!! They have caused me physical and emotional harm, as well as major harm to my credit score and report, which I work very hard to maintain and keep positive. 

I have submitted documentation showing that on XX/XX/XXXX my debt of {$270.00} was paid to XXXX and according to them I do not owe anything.
Consumer complaint received 2023-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (NY)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal XXXX XXXX XXXX. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, XXXX XXXX Code XXXX ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-08-24
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. (NC)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Consumer complaint received 2020-12-07
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: Experian Information Solutions Inc. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2020-12-07
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: Sequium Asset Solutions, LLC (TX)

This is my THIRD compliant with this company!!!! The agent whom is responding does not answer her phone and her voice mail is full. Her response of " Sequium Asset Solutions , LLC is a collection agency representing XXXX in association with a collection claim on a defaulted account XXXX XXXX is listed as the responsible party and all communication from our offices has been regards to account XXXX. Per your complaint, the account has been closed as cease and desist. You will receive no further communication from our office regarding the account. On behalf of Sequium Asset Solutions , LLC I want to apologize for any inconvenience that this may have caused you. '' DOES NOT FIX THE PROBLEM! They are refusing to REMOVE the account from my credit although they have admitted it is not valid, agreed to close it and agreed to cease collection. The problem is the account is appearing on my credit and is hindering me from obtaining a mortgage. REMOVE the account from all three credit bureaus urgently.
Consumer complaint received 2023-08-24
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)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts ASAP.
Consumer complaint received 2024-09-14
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. (CA)

Credit inquires on credit report are not recognized. They have been requested with agencys to be removed and no action has been taken. A identity report has been attached. I request if these inquiries may be removed due to be inaccurate and not me.
Consumer complaint received 2020-12-07
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: CAVALRY INVESTMENTS, LLC (NY)

On XX/XX/2020, CAVALRY PORTFOLIO SERV add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Original creditors : XXXX and XXXX XXXX. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there were no written form of communication, contract or signature for those accounts debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAVALRY PORTFOLIO SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-07
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: SYNCHRONY FINANCIAL (GA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2023-06-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (SD)

I am writing to express my significant concern about a problematic feature in the user interface of US Bank 's online bill payment system, which has twice led to unintended financial consequences. 

In its current design, when a user creates a new bill payment and has not previously chosen a default account for payment, the system automatically selects the first account from the user 's list. In my case, this has been a savings account that I did not intend to use for these transactions. This automatic default mechanism contradicts the user 's autonomy in making explicit choices about their financial actions. 

As the current setup stands, the system doesn't provide an empty default state, requiring users to actively select the account they want to use for payment. Instead, it prematurely pre-fills the account selection field, which can lead to unintended transactions, especially if the user overlooks this pre-filled information. 

This issue has twice resulted in an erroneous deduction from my savings account, amounting to a total of {$92.00} in fees. Although US Bank has refunded these fees, this situation underscores an inherent flaw in their system design that can potentially lead to similar issues for other customers and unfairly increase US Bank 's income. 

In the realm of banking, I firmly believe that there should be no default values attributed to financial transactions unless they are expressly specified by the customer. This would minimize risks associated with erroneous transactions and strengthen the overall user experience. 

The current system behavior, as it stands, is not acceptable. Therefore, I strongly urge US Bank to review and revise this functionality to prioritize explicit user selections and XXXX  against unwarranted financial consequences.