davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
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. (IL)

This is 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 items 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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1500.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$84.00} ; XXXXL XXXX Balance : {$84.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-02
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. (CA)

I have called several times asking Midland funding to remove the dispute, I have sent several letters asking them to remove the dispute and they refuse. It gets taken off for 24 hours then they put it right back on.
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NC)

I have told them to stop calling me. They keep calling from spam numbers and call 3 or 4 times a day. I have told them to stop calling and they don't. This is getting old.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX  XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX  XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-05-23
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. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I went to a car dealership to start my car search and without my permission my credit was shot around to MULTIPLE companies and i would like the hard inquiries removed. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (SC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-08-20
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: NCB Management Services Inc. (MS)

In accordance with the fair credit Reporting act the all credit collection accounts under my name has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ar purpose.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2021, I checked my account to ensure that money I was expecting cleared. I noticed that the amount in my Chase checking account was not what it should have been and upon further gland, I noticed that money -- {$5500.00} was unauthorized and taken out of my Chase checking account without my knowledge by an XXXX XXXX account. I immediately called my bank to inform them of what occurred and I filed a claim on XX/XX/XXXX. I went into the bank the same day and informed the bank personnel of what occurred and they restricted both my checking and savings account and opened new ones for me. They informed me that I should come back within a week to ensure that everything was going well to receive documents requesting additional information from me in order to process the claim. I went back to the bank on XX/XX/XXXX as I did not receive the paper work and the personnel told me to give the documents an additional 3-4 days to arrive. They also linked my card to my new account as I was having issues making transactions. 

On XX/XX/2021, I received a notice letter from the bank stating they were not going to honor my claim due me having done pervious transactions the merchant who withdrew the money and not disputing those previous claims. They were referring to deposits made to my checking account in the amounts of XXXX cents and XXXX cents made by XXXX XXXX on XX/XX/XXXX. I did not notice or realize these transactions until XX/XX/XXXX. I have never had financial transactions with XXXX XXXX. XXXX has told me to take this issue up with the merchant, XXXX XXXX however in speaking with them and providing sensitive and confidential information, they do not have a profile for me as I have never done business with them. I have now consulted counsel who told me to go down to one of the Chase branches and have a meeting with a manager who needs to provide me with information the investigation and who as well as where the money went to based on the transaction that they authorized. Counsel also guided me to file this complaint with the FTC. I am hoping to get some type of resolution in this matter as it is very hard to work for money, make plans to spend it on imperative and pressing matters, only to then have it taken from you.
Consumer complaint received 2021-03-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Recently my wife XXXX and I tried to obtain a new car loan. A collection appeared from Portfolio Recovery Associates that was purchased from XXXX XXXX. The account shows a XX/XX/2017 transfer date. The account is being intentionally re-aged by Portfolio Recovery Associates, even though the timeline for collection is already passed, and XXXX XXXX did not get permission from our bankruptcy trustee to sell the debt. The debt must be transferred back to XXXX XXXX, no exceptions. The account is fraudulent and can not be rectified as XXXX XXXX has already purged our files. This account is in violation of all existing protections under the U.S. Bankruptcy Code as well as the Fair Debt Collection Practices Act. This collection must be deleted permanently!!! 

XXXX XXXX
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I suffered from identity theft after the XXXX  credit breach. My capital one credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Consumer complaint received 2020-05-02
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: Experian Information Solutions Inc. (GA)

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. 
Please send me that information or remove these accounts from my credit, the law is very clear about this. 
Thank you.
Consumer complaint received 2019-04-26
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)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; U S DEPT OF EDXXXX XXXX ; US DEPT OF ED/XXXX XXXX ; XXXX XXXX ; US XXXX XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2020-05-02
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. (MA)

I suffered from identity theft after the XXXX  credit breach. My XXXX  XXXX credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized purchases totaling {$7300.00} we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit. In XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted, as Bank of America made a decision within 10 days of me filing a dispute. There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (GA)

on the date of XX/XX/2019 there was an inquiry made on my credit report by Global Lending Services that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from XXXX XXXX XXXX XXXX. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (AZ)

I refinanced and took a cash out loan on my home financed with XXXX XXXX XXXX XXXX on which there was a low remaining balance. My payment history was perfect and my credit scores with the three major credit reporting agencies ranged between XXXX and XXXX. I have spent a lifetime building that credit history. I am considered lower income, elderly, and XXXX, but have perfect credit. The closure on my refinance application was very short. I received coupons to make two payments on the loan, the first of which was due on XX/XX/2021 to my primary lender, Homeside Financial. I immediately made the first two months ' payments. The checks were cash on XX/XX/XXXX by Homeside, as documented in attachments. Within days, I received a notice from XXXX XXXX that they had purchased my loan and assigned it to XXXX XXXX. I was assured that I had no tasks before me, that any payments would be automatically credited to XXXX. I received those assurances from Homeside, XXXX, and XXXX XXXX. Homeside refused to transfer the payments to XXXX, and XXXX refused to pursue the issue with Homeside. After complaints to XXXX XXXX and multiple email contacts with Homeside, XXXX acknowledged receipt of the money from Homeside on XX/XX/XXXX, with the notation on my account that the payment was 22 days late. I was assured by all three agencies that my payments from Homeside to XXXX by law needed to be transferred and credited when paid, and I had nothing to do whatsoever, that the process would proceed smoothly and without incident. I now have a fraudulent entry on my account and credit history. In addition, the principal should have been credited with the payments on XX/XX/XXXX, when tracking ( attached ) indicates the payments were deposited into the account of Homeside. I have a considerable amount of interest on the principal to which XXXX  has refused to credit my account. All of those issues are violations of the agreement between Homeside and XXXX XXXX, the law, and my written contract. Homeside has been unwilling to correct any issues relative to the results of their fraud.
Consumer complaint received 2020-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (SC)

Purchased a set of golf clubs from XXXX XXXX XXXX on XX/XX/XXXX Processed payment through my XXXX account. Received clubs on XX/XX/. Opened packaging on the 7 iron and hit a few balls. Did not like the feel of the club so put it back into its individual wrapping and put it back in the original box with the other clubs. Returned the set of clubs to XXXX XXXX by XXXX on XX/XX/. A few days later I received a call from XXXX at XXXX XXXX saying they received the clubs but one of the clubs was used indicated by the wrapping. Was told that a full refund could not be given because I used their prepaid return label which I was {$7.00}. Was told that the {$7.00} would be deducted from the total of {$1000.00} to which I agreed. Waited several days to get notification concerning my refund. Made several calls to XXXX XXXX and spoke to different people each time getting different answers. On XX/XX/XXXX, I wrote a letter to XXXX and disputed the claim online. On XX/XX/XXXX, XXXX acknowledged receiving the case # ( XXXX ). The reply from XXXX stated that additional info would be requested from XXXX XXXX. On XX/XX/XXXX, got email from XXXX saying my case was denied. I did not pay for the clubs that I returned. Attempted to purchase a home to find out that XXXX XXXX, by way of, Midlands Credit Management , Inc. had placed an amount of {$1400.00} on my credit report for collection.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/2024 and XX/XX/2024, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Consumer complaint received 2020-12-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (NY)

XXXX - Account Edning XXXX XX/XX/2020 Citibank NA Was asked during XX/XX/2020 to close my Checking Plus account number ending in XXXX. They have terminated my account with an outstanding balance principal {$100.00} and total balance of {$220.00}. They have sent a letter {$110.00} outstanding late fee and {$5.00} outstanding interest has been waived. They regret to waive the remaining {$100.00} outstanding principal balance which was fees that they imposed. They did not close my account during the COVID-19 period which was requested. They continue to charge and impose interest on this account which should have been closed. After repeated calls some of which were dropped and transferred they did not follow the request asked and avoided closing the account.