davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CLGF Holdco 1, LLC (PA)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting, validation, that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue, I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please note : This notice is attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

A credit card was opened in my name with wells fargo. I never applied for one. Never!. Someone opened a cardwith all my information when my mortgage was transferred to to wells fargo company. 
My mortgage has since been transferred no one would talk to me about the card or why one was opened in my name.
Consumer complaint received 2023-02-04
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. (TX)

In accordance with the Fair Credit Reporting 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 also states a consumer reporting agency can not furnish an account without my written instructions.

ACTION TAKEN - Sent Certified letters for past 3 years since XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, Contacted all 3 credit bureaus to file investigations to have removed. 
XXXX XXXX XXXX XXXX Past Due Amt : {$1500.00} - Orig Charge Off Amt : {$1700.00} Date Opened : XX/XX/XXXX ACTION TAKEN : Several attempts made to Remove debt due disability insurance on account. 

XXXX Business & Dates Requested : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX Account Type : Individual Auto Account Status : Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Amt : {$11000.00} High Balance : {$20000.00} Balance {$0.00}
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Tried to log into account on XX/XX/XXXX Citi informed me that a XXXX transfer from XXXX XXXX Savings was rejected. I was unaware at the time that I was only allowed to do a daily transfer from savings of XXXX Therefore, Citi closed my account on XX/XX/XXXX with a checking balance of XXXX As of today XX/XX/XXXX I have not received my money. I call Citi but the representatives are rude and short with me. I just want my XXXX
Consumer complaint received 2023-02-01
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)

This is my seventh endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-02-04
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: Resurgent Capital Services L.P. (FL)

I am writing to file a complaint regarding inaccurate information in my credit report. I believe that this information is in violation of the Fair Credit Reporting Act ( FCRA ) and I am seeking its removal.Currently, it seems the CRA 's are trying to wrongfully initiate more disputes, when I have instructed them to remove the inaccurate and erroneous information. 

The information in question is : LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX This information is incorrect and has been removed from the two of three CRA 's. XXXX is the only CRA still reporting this inaccurate information. They continue to perform illegal disputes and investigations without providing any information. 

As you are aware, the FCRA requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports. Specifically, Section 623 of the FCRA requires CRAs to maintain reasonable procedures to ensure the accuracy of the information in their credit reports, as well as to reinvestigate consumer disputes if the consumer provides new information ( 623 ( a ) ( 1 ) and ( b ) ). Furnishers of credit information are also required to provide complete and accurate information to CRAs ( 623 ( a ) ( 2 ) ). Furthermore, CRAs are required to delete information that is outdated, incorrect, or can not be verified ( 623 ( c ) ). 

In light of these requirements, I demand that the negative information in question be removed from my credit report immediately. I have already taken steps to dispute the accuracy of this information with the credit reporting agency, but to no avail. I believe that this information is damaging to my credit standing and I am entitled to a fair and accurate credit report under the FCRA. 

I also would like to bring to your attention that I have also reviewed my rights under Section 609 of the FCRA, which requires credit reporting agencies to provide consumers with a notice of their rights when they receive a copy of their credit report. This notice must include information about the consumer 's right to dispute errors in their credit report and to request a credit score. Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the accuracy of the information in their credit reports. 

I kindly request that you take immediate action to investigate this matter and to remove the inaccurate information from my credit report as soon as possible. I look forward to hearing back from you regarding the resolution of this matter. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

These derogatory remarks need to be removed from my credit report under the law US C 1681 and US C 1681s-2 XXXX XXXX XXXX {$810.00}. : XX/XX/XXXX XXXX XXXX XXXX. {$380.00}. XX/XX/XXXX XXXX. XXXX {$370.00} & {$62.00}. : XX/XX/XXXX
Consumer complaint received 2019-06-13
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. (MN)

I disputed some incorrect information that was showing on my XXXX, XXXX and Transunion credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate. 

I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. XXXX did fail to send me an updated Credit Report after the information was allegedly verified as accurate. 

XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of Status is moved back to XX/XX/XXXX? 

TransUnion provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with Transunion are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX XXXX did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for XXXX is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation. 

Also, XXXX 's After Dispute report is showing a 30 day late in XX/XX/XXXX with the charge off in XX/XX/XXXX. Transunion is showing a date closed of XX/XX/XXXX with multiple lates. XXXX on the other hand is show the account closed with no date but, a perfect payment history through XX/XX/XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX? 

How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

About 7 years ago I lent my cousin my fifth third bank credit card to provide some assistance during tough times. I never renewed this card, and figured when it expired after a couple years my support for my cousin would cease as well. 

However, about a month ago I received a notification from XXXX Bank regarding a credit card in my name that had a missed payment. I believe this cousin of mine fraudulently kept this account open past its original expiration using my personal information. I went to the physical bank on XX/XX/23 to figure out whats going on. I spoke with a banker named XXXX who said there was nothing they could do to remedy this issue. So now XXXXm stuck with {$10000.00} balance in my name with seemingly no recourse. Attached you will find two credit card statements. One is the one correctly addressed to my home. The other one is the address of my family member that perpetrated this act. I believe she finally switched the address on the account so I can assist her in payments. 

Additionally, I can not even access the account through Fifth Thirds phone line because after my social they request the account PIN number. Since I did not sign up for this account, I dont know the PIN and am unable to speak with someone.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

There is a late payment on my credit card reporting from XXXXXXXX. They bought the Credit Card section from XXXX bank. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXX XXXX  for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX  despite the fact I paid the Credit Card with XXXX XXXX before it was transferred over to XXXX. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the XXXX. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a late payment on my credit card reporting from XXXX. They bought the Credit Card section from XXXX XXXX. I have paid my credit card each and every month, when XXXX XXXX XXXX XXXX bought the Credit Card division from XXXX XXXX they did not transfer over the payments from my account to XXXXXXXX XXXX for that month and gave me a late payment despite the fact that I paid the Credit Card. I have called XXXX several times to get them to correct the error on their end and remove the late payment becasue it has dropped my score XXXX points. The late payment occurred in XXXX of XXXX despite the fact I paid the Credit Card with XXXXXXXX XXXX before it was transferred over to FBT. 

I have disputed the account with the credit bureaus 2 times on XX/XX/XXXX and XX/XX/XXXX stating this : " Please remove the 1 late payment from my report. The error was on the end the PFCP. It was when they bought out XXXX Credit Cards ; I paid XXXX and the payment processing did not transfer and XXXX told me to dispute the inaccurate late payment with the bureaus so you will remove it since the error was on their end. '' The Credit Bureaus stated that XXXX validated the late payment is accurate which is false.
Consumer complaint received 2023-02-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MN)

This is now the 4th Complaint in a series of complaints hoping to resolve this matter that is over 100 days old. 
Please see the prior complaints : XXXX XXXX XXXX According to the USBank response to complaint XXXX, I had not sent the Affidavit of Unauthorized Paper Debit form, that the bank requested that I prepare and submit. I submitted it on XX/XX/2023 and then again today ( XX/XX/2023 ), to the email address provided : XXXX I continue to get zero satisfaction with these complaints and only responses indicating " We appreciate that you have chosen us as you banking partner... blah, blah, blah ''. 
I want my over payment addressed timely and thoroughly. I do not believe that to be an unreasonable request. Either I am being given the run around or this is truly one of the most incompetent organizations or at least complaints processes ever. I challenge USBank to do better. I am starting to think that I need to elevate this concern to the OCC and of FRB, and if that is not enough, getting a lawyer and initiate legal proceedings to address this matter. I have wasted so much time trying to resolve this issue ( phone calls, visit to the bank, and now filing these complaints ), but it is now the principle of the matter.
Consumer complaint received 2020-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (VA)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-02-05
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)

To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by then 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 2020-06-29
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. (NY)

I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, transunion, XXXX, XXXX XXXX, XXXX XXXX is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.