davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

| was charged on XX/XX/22 in the amount of {$430.00} for XXXX charges that I did not authorize. I was not notified of the charges made until XX/XX/22,. At such time, | contacted XXXX and Chase Bank. XXXX advised me to reach out to my bank while the investigation was underway. XXXX indefinitely suspended my account and advised me to remove my bank information and to change my login information. This is due to the fact that XXXX found fraudulent activity on the account. My email that was linked to the account was different and that's how they knew it was fraudulent. Chase bank temporarily refunded me until XXXX concluded their investigation. Both XXXX and the bank provided written documentation stating that the charges made were fraudulent. 
However, the merchant ( XXXX allegedly provided information to the bank that stated the charges were legitimate and the bank removed the temporary credit and charged me back for in the amount of {$430.00}. After contacting the bank, was notified that there was nothing else that the bank can do and that XXXX had to supply me a direct refund. After reaching out to XXXX once again on XX/XX/22, I was told that a refund can not be issued due to the suspension on my account. I was also told to receive said retund, I had to reach out via email to the original email that stated the activity was fraudulent in the first place. I replied to the email on XXXX separate occasions and have not received a response to date. Email was sent to XXXX Sincerely, XXXX. XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercari, Inc. (NY)

Illegal cancellation of orders User ID : XXXX I have sold XXXX items on this selling platform, and I have already shipped those itemes to the buyer, but the Mercari platform illegally cancelled my entire order. I can't receive the payment ( XXXX $ ), I demand the mericari platform to compensate me for my loss!
Consumer complaint received 2023-01-11
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. (GA)

This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

Ive had my savings account with US BANK since XX/XX/2009 and have never been advised of the federal regulation D which states I can only make up to 6 transactions with my savings account otherwise Ill be charged a fee. It has almost been 10 years that I have had this account and no one has mentioned this detail. Also, while using their app to transfer the funds there is no warning to me as a client that a fee may be assessed after the 6th transaction. I was charged {$30.00} total, so I made XXXX transactions within this cycle. When I called to have this refunded and stated I had no idea, they refused. It should be the banks job to provide this information to their clients. I dont work in the banking world and I was not aware of this law when I was XXXX years old.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CA)

The company Helvey & Associates Inc is reporting negative information illegally, unjustifiably, and refuses to acknowledge or respond to my request for retraction of their negative credit reporting. I have notified them initially by telephone, that a utility bill for property address XXXX XXXX XXXX XXXX, Florida must be removed from my credit report for there failure to properly notify me of this debt as required by both state and federal fair debt collection practices acts. It has been established by both myself and there customer service representatives that they sent the original dunning notice to the same service address that they provided the service too, at this property that I never lived in since it was a short term ownership for investment purposes. Since I did not receive the proper notification of this account being delinquent, this account ended up on my credit report without meeting the requirements under law for credit reporting. I followed up with them notifying them of this situation in writing on XX/XX/2019 ( Exhibit 1 attached ) - a correspondence to which I have yet to receive an acknowledgement or response from Helvey and Associates. This situation is extremely frustrating as I am being penalized on my credit report for an unfair, unjustified collection that I was never given the proper notification as mandated in FDCPA laws. This error, and Helvey Associates refusal to correct there mistake is causing me significant financial, emotional, and psychological damages due to my credit score dropping significantly- and not allowing me to refinance my investment properties or acquire new ones at the best terms I would be getting. These damages are in the tens of thousands of dollars and I will be pursuing a legal claim for them if this situation is not rectified immediately.
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX and the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX are both a result of Identity Theft. XXXX had a data breach, and someone with access to my personal information is using it to make transactions that are damaging my credit. I have no idea what or who this may be. I have attached proof of a data breachfromXXXX.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported on XXXX and XX/XX/2020 for my First Progress Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for the sudden outbreak of COVID-19, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I haven't missed a payment. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments on XXXX and XX/XX/2020. 

Thank you for your consideration, and I hope youll approve my request. 

Best XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (SC)

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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Consumer complaint received 2020-05-27
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-05-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I authorized a money transfer of {$5500.00} from my HSBC Premier checking account XXXX to the account of my relative in XXXX on XX/XX/18. This money was never sent, nor did it reappear in my checking account.
Consumer complaint received 2020-11-13
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)

XXXXXXXX  Transunion and XXXX  have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Consumer complaint received 2023-01-11
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

IN THE YEAR OF XX/XX/XXXX I PURCHASED A HOME THROUGH THE Veterans administration.By time of the loss of my job i was under a financial crisis and paid XXXX towards my debt.After research called for the XXXX XXXX to find out why my filing had a different origination date.It was then confirmed that my information was not put into the Veterans XXXX XXXX base until XX/XX/XXXX XXXX i have had the XXXX different to try and Foreclose on my loan. My loan was sold and assign to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by the date of XX/XX/XXXX the equity in my home of XXXX had been stripped. we are challenging the fact that the Promissory Note and the Security DEED has BEEN Bifurcated because there is no clean title whereas XXXX  was not the entity who administrated the task. I filed a complaint with CFPB and it took the bank over 30 days to reply. I then received a response by a resolution XXXX by the name of XXXX XXXX from the cfpb case # XXXX which stated that their legal counsel to respond directly to my legal counsel XXXX XXXX spoke to my counsel and the next notice that was sent was an accelerated foreclosure notice for XX/XX/XXXX. In our Mortgage Audit it was declared by the Expert Witness XXXX XXXX  that fraudulent activity is prevalent and the supposed owner has to carry the burden of proof that the promissory note and the security deed are still together and available to XXXX XXXX XXXX and XXXX XXXX XXXX as XXXX XXXX IS DEFINED AS REAL PROPERTY NOW AND WE DECLARE TO BE THE OWNERS OF A CLEAR AND FREE TITLE IN XXXX WE TRUST ROMANS XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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)

I filed a dispute complaint through Experian, XXXX and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all XXXX Credit Bureaus. XXXX XXXX XXXX sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX my credit score has gone from the 700 's to the 600 's.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I opened a checking account with Wells Fargo. As a condition of opening this account, I was eligible to receive a {$400.00} bonus if I received {$3000.00} in direct deposits for three consecutive months. On Tuesday, XX/XX/XXXX, I reached that objective, and called Wells Fargo on XX/XX/XXXX to inquire about when I would receive the {$400.00} bonus. The customer service rep XXXX filed an Incentive Not Received claim and assured me that I would receive the bonus within the next 30 days. 

I called on XX/XX/XXXX to follow up on the bonus and was told by the representative that I did not qualify. I was transferred to her manager who spoke with an executive who also denied my bonus based on an overdraft on XX/XX/XXXX. I had met the qualifying threshold on XX/XX/XXXX. Also I had deposited money on the day of the overdraft and Wells Fargo reversed the overdraft and recalculated the balance the same day. 

I called Customer Service again on XX/XX/XXXX and spoke with XXXX. It looked to her like I qualified. She told me not to worry because the Incentive Not Received department was still investigating the claim and the people that I spoke with during the previous phone call were only representatives. 

On XX/XX/XXXX I received a phone call from XXXX at the Executive level and she told me I did not qualify because the qualification period was 150 days. In actuality, the bonus offer states that I was to be given 150 days to meet the threshold of $ XXXX for 3 consecutive months. I met that threshold on XX/XX/XXXX. She said that she could not override the decision already in place and there was no one above her that could override the decision either. 

I have received no written documentation regarding the bonus, my qualification status, nor the claim that was filed. 

It is obvious that Wells Fargo is doing everything they can to avoid honoring the Bonus Offer that encouraged me to open the account in the first place and which I qualified for on XX/XX/XXXX.
Consumer complaint received 2023-01-11
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. (TX)

I filed a dispute complaint through XXXX, Transunion and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX  keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all 3 Credit Bureaus. XXXX XXXX XXXX  sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX  my credit score has gone from the 700 's to the 600 's.
Consumer complaint received 2020-05-27
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. (SC)

I personally sent a letter for debt removal all accounts in my letter and all non account holding inquiries older than 30 days to TransUnion by certified mail. Which mean the bureau could process the letter because it was mailed by me. The tracking number states that the letter was received by agent on XX/XX/XXXX and it was never processed. Which further held damage against my credit report. The incompetence of TransUnion is damaging to me improving my credit profile.
Consumer complaint received 2023-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

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 account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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. (PA)

To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on XXXX  I am being hit with XXXX XXXX original creditor XXXX XXXX XXXX for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX XXXX   original creditor was XXXX XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on equifax it shows 2 and the other equifax has stated I do not owe.