davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (TX)

Cavalry claims to have purchased a debt I allegedly owe from XXXX XXXX. I sent a validation letter from the reference # XXXX The only paperwork they have sent in their collection efforts is statement on a credit card billing cycle. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I am requesting the dates and a signed contract showing I have previous business with this companie. 
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA. 
I would like them to cease collection activity with regard to this account.
Consumer complaint received 2020-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

I have an account with chase bank. I reported a dispute on XX/XX/2020 for a little over 700 dollars. These disputed charges included a XXXX XXXX restaurant charge, atm withdrawals from 2 different locations including one in XXXX. I reported the dispute after noticing the charges in the middle of the night. I called chase and the automatic machine directed me to lost/stolen cards division to report the dispute. One week later the dispute was denied, and the reason was due to me not informing that the card was stolen. This was false because I did report it stolen, even when directed by the automatic machine. I appealed this dispute many times, and later was moved to the executive branch department to handle. The executive branch at chase still denied my dispute. I feel like this is very unfair to be charged for something that was stolen from me.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS XXXX DOB XXXX XXXX. I was looking over my credit report and notice my XXXX XXXX CREDIT CARD IS NOT REPORTING ON MY CREDIT REPORT!
Consumer complaint received 2023-01-03
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. (KY)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03
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. (KY)

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-31
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. (TX)

XXXX XXXX XXXX is trying to collect for an unknown debt. They have not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$2300.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am so upset right now. My loan was transferred to XXXX as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to XXXX effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my XXXX is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the XXXX it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that XXXX illegally reported my account as XXXX days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (ID)

I had a contract issue with XXXX XXXX in XXXX with a sales person who wasnt truthful. concelled the service and XXXX sent the account to a collection company for a XXXX fee. We settled and paid the account. The collection company XXXX XXXX has marked the account as " Disputed by Consumer ''. They refuse to remove this and provide me a petter on their letterhead stating the account is not disputed by the consumer. I have tried numerous times to have this removed and they refuse. Im the consumer and I DO NOT DISPUTE. Their failure to remove this is holding up a mortgage loan causing me now to have a higher rate because of their delay.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I was the victim of identity theft in XX/XX/XXXX, and a seven year freeze was placed on my credit report at all three bureaus. When I needed to temporarily lift the freeze for a mortgage to be processed, I sent Experian the required identification documents on two occasions with a request to supply a retrieval pin so that I could designate when and to whom my credit file is opened to. Attached are the responses that I received, and this has been going on since mid-XX/XX/XXXX. I have already lost a real estate property due to their inefficient handling of my request. 

XX/XX/XXXX : I requested a retrieval pin to lift my security freeze ; They sent a letter that THEY TEMPORARILY REMOVED the security freeze in Mid-XX/XX/XXXX ; XX/XX/XXXX, I again requested a retrieval pin # : XX/XX/XXXX, I received a letter stating Experian PERMANENTLY REMOVED THE SECURITY FREEZE! 

This process is so easy with both XXXX and XXXX  -- I can call, identify myself, and they open the file for the designated period and purpose. Now, I am afraid that they, based on the Experian debacle, will lift the security freeze and leave me vulnerable to another identity theft episode that was absolute XXXX to maneuver through before.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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
Consumer complaint received 2020-05-31
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)

XXXX XXXX XXXX XXXX is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/20 the full balance of the account was paid in full. 

On XX/XX/20 an interest charge was applied for {$76.00}. 

On XX/XX/20 I spoke on the phone to a Wells Fargo customer service agent who advised me that the fee would be waived and my account would be credited {$76.00} to offset the charge. 

I waited for some time and saw no transaction reversing the charge. 

On XX/XX/20, I initiated contact through Wells Fargo 's message center. 

On XX/XX/20, nearly a month later, I received a response stating : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 
I apologize for the delay in our response. 
I received your email regarding the charge of {$76.00} that is showing in your account. 
Our records show that on XX/XX/20, we processed a reversal of the fee. 
You'll see the adjustment on your next billing statement. '' It's now XX/XX/20, and my next billing cycle, and there is still no reversal of the charge. 

The least sophisticated consumer in this case would likely have taken Wells Fargo at their word and assumed the charge would be reversed. This would have created a situation where the account would continue to roll forward in delinquency and impact the customer. This is an unfair or deceptive practice. It's preying on unsuspecting consumers, many of which are experiencing a terrible time financially. It just so happens I actively use and pay the account and have monitored the situation. 

I've now worked through a phone contact, email contact, and a CFPB complaint. My next step will be to consult with an attorney if this is not resolved.
Consumer complaint received 2023-01-03
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. (CA)

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing TransUnion that I was a victim of identity theft. TransUnion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-07-13
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. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage is reporting a late payment to XXXX XXXX XXXX XXXX that is a billing error. The information is not 100 % accurate and I have reached out to their XXXX XXXX whom did not want to help me. She was very mean and rude after telling her the issue. I need them to fix my credit report asap. I didnt even give them permission to report these transactions. The information they are reporting is defaming my character and i am being denied credit cards and car which has left me carless.
Consumer complaint received 2022-07-13
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. (GA)

i asked the company to investigate these inaccurate and incomplete for these accounts : XXXXL XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i asked the company to investigate these inaccurate and incomplete for these accounts : XXXX XXXXXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX XXXX ( Original XXXX XXXX ) : Account number : XXXX, XXXX XXXX : Account number : XXXX, Inaccurate, XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX, the date of last active is inaccurate, and the balances is inaccurate
Consumer complaint received 2022-07-20
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. (CA)

1. In accordance with the Fair Credit report Act XXXX  account 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 is also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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.
Consumer complaint received 2022-07-13
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. (CA)

On XX/XX/XXXX My wife started the process to refinance the loan through another company and remove my name from the account. I informed XXXX XXXX XXXX of what I was doing, and they said it was fine there was nothing needed on their end. The new company sent out the final payment in XXXX and it was received the second week of XX/XX/XXXX. XXXX XXXXXXXX XXXX marked on my credit report the XXXX payment as late, even though they knew they were getting a paid in full, and with COVID around this time unfortunately the mail was late. My daughter was in the ICU, and XXXX XXXXXXXX XXXX marked it late having a negative impact on my credit score even though they received the paid in full amount.
Consumer complaint received 2024-10-10
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: Experian Information Solutions Inc. (NM)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX,
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Financial Management Solutions, LLC (GA)

I lived at this property for over a year I had ended up not being able to pay the rent due to covid the government ended up paying my balance to XXXX $ and paid up to the next month which was XXXX which was paid as well i called the rental office and they told me that I can move out and that I had to give them a 30 day notice I told them that I had already moved out which was now XX/XX/XXXX and that I didnt want to do a 30 day notice mind you I was on a month to month by that time I had my brother turn my key in because when I moved I moved to a new state and didnt want to leave it in the drop box they billed me for another month and the rent was XXXX when I lived there I have a XXXX $ balance on my credit report which is illegal to charge me when 1 i moved before they are saying I moved and 2 thats not the amount that I owe