davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Home Address : XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX I called XXXX XXXX XXXX XXXX in XXXX between the XXXX and the XXXX. I requested and was approved for a loan extension for the months of XXXX and XXXX. I was told that I will receive the documents to sign via USPS mail. 

I received the documentation on XX/XX/2020. I signed the documentation, scanned it and sent it to the email provided on the paper. 

Today XX/XX/2020 I get a notification that XXXX XXXX XXXX XXXX  has reported me 30 days late for the month of XXXX. 

In addition to me being approved and submitting loan documentation my XXXX payment is NOT 30 days late at this current time. My XXXX payment is due on XX/XX/XXXX and today is XX/XX/XXXX which is ONLY 25 days. There is no reason for me to be 30 days late at this current time ( especially since an extension was granted ). 

Attached are : Screenshot of submitted email, screenshot showing 30 days late on my credit. Also the approved and signed extension agreement. 

This brings me to my next point. This bank does anything to suppress and attack XXXX XXXX. I have reported them over and over for interactions like this and in-person interactions at the local branches. It's obvious to me that local, state, and federal officials are in bed with XXXX XXXX XXXX. When I complain XXXX XXXX XXXX  responds by retaliating. I am sick and tired of this crime syndicate, what it represents and the poison that it spreads. I've said it before and i'll say it again. This organization is run by XXXX XXXX.
Consumer complaint received 2020-09-08
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. (FL)

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, Equifax, XXXX  ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX  Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX    XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Consumer complaint received 2020-09-08
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: U.S. BANCORP (CA)

I submitted CFPB complaint XXXX regarding information being misreported/missing on my XXXX  credit report regarding my US Bank credit card ending in XXXX. 

US Bank sent me a response that they determined an update to XXXX  is appropriate and they have already communicated the correct info to XXXX but so far nothing has reflected on my report even though my other US Bank account has reported since then to XXXX. 

I attempted to contact US Bank regarding this by calling the numbers listed in their response and all I got was front line customer service representatives with limited to no access to such information who kept transferring me from one department to the other.

Attached is a copy of US Bank response to my first complaint from someone named XXXX with the office of the president who promised that the reported information will be corrected but it wasn't and she didn't share her direct contact information to further discuss this leaving me with no option but to submit another complaint. I can be reached by email XXXX and phone XXXX.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

This complaint is a follow-up to already open complaint # XXXX. Please see attached copy of both this new complaint and the prior complaint for background. Company still has not addressed and resolved any of my prior expressed concerns, and JPMorgan 's executive office liaison has not been responsive to my inquiries since opening a CFPB complaint on XX/XX/2020.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/2020 I mailed a request for validation of debt from debt collector. 
On XX/XX/2020 I received a letter from debt collector, Cavalry, dated XX/XX/2020 acknowledging receipt of a letter of dispute and for me to provide them, the debt collector, with specific information and explanation of the dispute. However, my original letter mailed on XX/XX/2020, to the debt collector was a request for validation of the debt under the FDCPA asking for information of debt they claim I owe. According to Section 809 of the Fair Debt Collection Practices Act I have the right to request a collection agency to validate the debt they are trying to collect. Cavalry needs to mail me such verification of the debt or a copy of a judgment.
Consumer complaint received 2020-09-08
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: Experian Information Solutions Inc. (TX)

On XX/XX/2020, I XXXX XXXX of XXXX XXXX XXXX # XXXX XXXX XXXX, texas submitted to Experian XXXX XXXX XXXX TEXAS, A notice of pending litigation seeking relief and monetary damages under fcra section 616 and section 617, to amicably resolve their continued violation of the fair credit reporting act, regarding refusal to delete unverified information from my consumer file, a certified copy of this letter, and 3 previous certified letters with proof of identification, failed to delete these accounts from my consumer file, the law clearly states under section [ 609 ] ( a ) ( 1 ) ( A ) and section [ 611 ] ( a ) ( 1 ) ( A ) which requires they provide me a copy of any original documentation ( a consumer contract with my signature on it ) furthermore under the FCRA SECTON 611 ( 5 ) ( A ) They were required to delete all information which can not be verified! ON  XX/XX/2020, I XXXX XXXX received a letter in the mail from experian, report # XXXX That the had completed their reinvestigation and they found all of unverified accounts as accurate, without proof to me ( the consumer ) these unverified accounts remain on my consumer file despite these violations of the FCRA, THE LAW IS VERY CLEAR, to the civil liability, and the remedy available to me ( section616 and 617 ) please enforce my rights under the FCRA. THANK YOU, SINCERELY XXXX XXXX
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I transferred XXXX USD = XXXX EUR from my USA account to my XXXX account on XX/XX/2020 with moneygram.com They have already charged my USA account and promised to deliver within 10 calander days. Today on XX/XX/2020 the the amount has not been delivered to my XXXX account. Today I call moneygram.com customer service. talked with different departments. The did not give me different reasons. 
one agent telling that they have technical issuues. 
other agent telling that they put my transaction on hold. 
a third agent telling my transaction is under investigation. 
they refused to return the money and told I have to file a written request for refund and it will take upto 90 days after receipt of refund request and the refund process will has charges. but they can not to tell me when they will be able to deliver the amount to destination account.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was a victim of identity theft, accounts were opened with out my knowledge and the credit bureaus refuse to close this fraudulent account. They have submitted my information to a debt collector that wants me to pay for an account that I never opened.
Consumer complaint received 2020-09-08
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: Total Card, Inc. (FL)

I have not worked since XX/XX/2020 due to underlying medical conditions and an essential worker at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has XXXX XXXX XXXX XXXX  we have no income coming in until he returns to the XXXX XXXX which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
Consumer complaint received 2020-09-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

LoanCare applied my XX/XX/2020 payment to my account and then reversed it to another persons account in XXXX and will not reverse the credit after providing proof of payment and it's been since XX/XX/2020 and still has yet to be corrected! I had received help from XXXX XXXX XXXX XXXX through Covid for 2 months of Mortgage help. LoanCare keeps " researching '' where they reversed my payment to another customer 's account and after submitting PROOF of the check and CACS, myself and LoanCare talking on the phone ( all three of us at the same time EVERY SINGLE WEEK SINCE XXXX ON MONDAYS ), they can not seem to reverse my payment and hurting my credit score for something THEY need to correct! 
Also, the newest issue ... I made yet another payment XX/XX/2020 and they OVERCHARGED my account another {$20.00} without permission and is holding the {$26.00} that is suppose to go to principle in " suspense '' for NO reason and when calling to get that corrected XX/XX/2020 they said they will correct that THAT day and will see the correction within 24-48 hours and STILL have yet to see that change!
Consumer complaint received 2022-12-19
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}.
Consumer complaint received 2023-02-28
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. (NJ)

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. 


XXXX XXXX # XXXX - has violated my rights 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 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Consumer complaint received 2020-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

Account XXXX XXXX police case # XXXX I filed an identity theft and police report on XX/XX/XXXX XXXX a copy of both was sent to the National credit adjusters on XX/XX/2020. They continue to call and refuse to remove it from my credit report.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Didn't receive enough information to validate debt First I dont have to write an explanation demonstrating any errors on my credit reports. Second your send a copy of a letter from XXXX XXXX  where says the acccount is sold to Midland Credit Managment the document that you sent me does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation.

I want you cease and desist all collection activity from this account. Because I dont want Midland Credit Managment report invalidated information to major credit bureaus
Consumer complaint received 2020-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHECK INTO CASH INC. (OH)

My credit report reflects a payday loan taken out in the amount of XXXX at chechintocash in XXXX XXXX.This is not my loan.I sold my house in XXXX of XXXX and had plenty of money in the bank with no need for any payday loan.I disputed with the credit bureaus and they have not removed it. 

In addition thier is also a payday loan on credit report for speedycash in the amount of XXXX from XXXX this is also not mine and I have disputed with credit bureau 's in which it has not been removed. 
I cant get a hold of anyone at the credit bureau 's and will not deal with any payday loan people.
Consumer complaint received 2022-12-19
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. (CA)

I have a loan with XXXX. The current status should not be showing late because I paid it on time. XXXX and Equifax Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or update the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise udate this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (FL)

My debt is from Americollect in the amount of XXXX dollars. The debt was opened up according to their reports on XX/XX/2022. Per the new law that took affect XXXX XXXX2022 the time to report negative debt on credit reports increased to 1 year. Medical doubt less than XXXX dollars shall not reported to the credit bureaus.