davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (NY)

Discover is reporting to all the credit reporting agencies that the line of credit is open, available for use. Its showing {$1400.00} available ; however they had suspended my account years ago with no immediate plans on opening it, so I technically dont have access to those funds.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.
Consumer complaint received 2019-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX bill payment services processes the bill payment services for my credit union. On XX/XX/2018 XXXX issued 2 checks for XXXX XXXX XXXX XXXX XXXX  Check 1 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$260.00} Cleared : XX/XX/18 XXXX Case # XXXX Check 2 Payee : XXXX XXXX XXXX XXXX XXXX Amount : {$230.00} Cleared : XX/XX/18 XXXX Case # XXXX The checks were delivered to wrong person and cashed by the wrong person at a Bank of America branch. The canceled check images show that the following endorsement stamp information : Wrong Payee : XXXX XXXX XXXX XXXX confirmed the that correct payee did not receive the checks. They attempted to contact XXXX XXXX XXXX but were only able to leave voice mails with no response. XXXX submitted a request to Bank of America for a credit return in XXXX XXXX. 

During monthly updates from XXXX, I have been told that Bank of America just doesn't see the charge return request of {$500.00} big enough to bother with. 

I need Bank of America to recover the funds deposited into the wrong payee and return the funds.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$18000.00}, {$7400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with  a balance of {$3800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- OPEN ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Consumer complaint received 2020-04-27
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}
Consumer complaint received 2020-05-12
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. (MO)

I have filed several disputes with Equifax regarding errors that appear on my consumer report. I have sent letters of dispute and the items have remained. Equifax has claimed that some of the information was verified but failed to disclose how that information was verified despite the fact that my letter specifically asks for that information. The way Equifax does business is unfair to me specifically and people like me generally. It has caused me great distress and financial harm. I have suffered so much with Equifax ( the  data breach, reporting inaccurate information etc ).
Consumer complaint received 2020-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Search ROI, LLC (CA)

This company sent me an email stating that I had applied for a loan through them, and that my application was complete according to the subject line in the email. This company pretended that I had applied for a loan from them even though I have not.
Consumer complaint received 2020-04-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2020-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Verify Method of Verification. 

CFPB Complaint was submitted and the response was received in Report # XXXX Date XX/XX/20. Federal Register outlining the Federal Trade Commission 16 CFR Part 660 Procedures To Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act ; Final Rule ; Guidelines for Furnishers of Information to Consumer Reporting Agencies ; I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. If e-oscar was used please show verification fo Metro 2 compliant data. 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

15 U.S. Code 1681i. Procedure in case of disputed accuracy ( 6 ) Notice of results of reinvestigation ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

The proof of Investigation methods and proof that I am using a third-party service is requested in the failure to remove the following items : Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account XXXX XXXX Creditor : XXXX/DEPT OF ED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXXXXXX Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2019-10-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I noticed fraudulent activity on one of my Chase credit card accounts. I filed a dispute with chase and they were able to resolve the issue. Because I was a victim of identity theft, I filed an Identity Theft Report with the FTC noting fraudulent activity on my credit card account. As a victim of identity theft, I am entitled to place an extended fraud alert on my credit report and send in the required documentation to XXXX to do so. Upon sending my request in to XXXX for an extended fraud alert, XXXX, on their own accord, without asking me, sent a dispute investigation for fraud to Chase. Because of the dispute investigation sent to Chase, Chase automatically closed my entire credit card account. Chase stated that they closed the account because the dispute investigation sent by XXXX  stated that it was a fraudulent account. This is not the case. The identity theft report that I filed and the personal statement on the report clearly states that I experienced fraudulent activity on my account, not that the entire account was fraudulent. Chase will not reinstate the account unless XXXX retracts the fraud dispute investigation. XXXX is stating that they can not retract the fraud dispute investigation and that Chase has the ability to re-report the account on my credit report. It seems that XXXX   made an error by sending a dispute investigation to Chase without my permission and without due cause. If you review the personal statement on my identity theft report, it clearly states that I was reporting fraudulent activity on my account, not that the account in itself was fraudulent. Now I am stuck in the middle with both agencies ( Chase and XXXX  ) saying that they can not do anything further. Re-opening the account is of importance to me because the account that was closed has over XXXX rewards points attached to it. Since the account was closed without any notice to me, I have essentially lost XXXX reward points and can not reclaim the points unless the account is re-opened. Further, the account has been open since XX/XX/XXXX and paid in full each month. If the entire account was fraudulent, I would have reported it as so much earlier and I would not have paid off any of the balances on this account.
Consumer complaint received 2019-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (UT)

" NEW ISSUE '' I have completed papers in XXXX  District Court in XXXX XXXX XXXX and called Synchrony to speak with XXXX XXXX several times with no response. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in Third district court in XXXX for damages to my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live. And fraudulent balances being reported to the credit bureaus willingly and freely without any contact with the Detectives or police department. I am now requesting since XXXX XXXX Synchrony Bank representative who refuses to answer or respond to my phone calls. The address where to send legal affidavits for Synchrony. If they do not won't to answer my responses on the amount of well-documented negligence then I am requesting from a Judge in XXXX District court to look at the matter. 

" MARKING THIS AS A DUPLICATE '' will show a Judge further negligence.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I contacted the credit bureaus to inform them of the debt was paid to original creditor and collection agency should not be reporting the debt is due. Two of the three credit bureaus removed the negative account from my consumer report. I do not have an open balance with my XXXX XXXX XXXX and IC System Collections should not be on my consumer report as the debt is not due and has been paid as agreed. The negative collection is still on my XXXX Consumer Report.
Consumer complaint received 2019-10-18
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. (NY)

EXPERIAN CREDIT BUREAU IS REPORT A CHILD SUPPORT DEROGATORY ACCOUNT. WHY IS NYS CHILD SUPPORT ENFORCEMENT ACCOUNT NUMBER XXXX REPORTING TO EXPERIAN CREDIT BUREAU. THIS TYPE OF ACCOUNT DID NOT STEM FROM A CREDIT TRANSACTION. NO CREDIT WAS EXTENDED SO HOW COULD THIS BE REPORTED TO THE CREDIT BUREAUS. 

THE XXXX SETTLEMENT AGREEMENT FROM 2015 : THE CR 'S SHALL PROHIBIT COLLECTION FURNSHES FROM REPORTING THE DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY ( INCLUDING, BUT NOT LIMITED TO, CERTAIN FINES, TICKETS, AND OTHER ASSESSMENTS ). 

THE CRA 'S SHALL IMPLEMENT A PROCESS DESIGNED TO REMOVED FROM THE CRA 'S RESPECT CREDIT REPORTING DATABASE ANY EXISTING DATA REPORTED BY COLLECTION FURNISHES RELATING TO THE COLLECTION OF DEBT THAT DID NOT ARISE FROM A CONTRACT OR AGREEMENT TO PAY. SUCH EFFORTS SHALL INCLUDE BUT ARE NOT LIMITED TO, SHARING BEST PRACTICES FOR KEYWORDS AND SCREENING PROCEDURES DESIGNED TO IDENTIFY DEBT THAT DID NOT ARISE FROM ANY CONTRACT OR AGREEMENT TO PAY. 

PLEASE ASK EXPERIAN CRA 'S TO REPORT THE NYS CHILD ENFORCEMENT ACCOUNT TO DELETE THIS ACCOUNT. THIS ACCOUNT DID NOT RESULTS IN A CREDIT TRANSACTION NO CREDIT WAS EXTENDED.
Consumer complaint received 2019-06-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge Pite, LLP (CA)

Dear CFPB, Under my private rights of action and administrative process I want to report that Clear Recon Corp. Debt Collector and Foreclosure Trustee has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. I never contracted with Clear Recon Corp at any capacity and have never had any business relationship verbal or written. 
In addition, I want to inform Clear Recon Corp that the XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, corresponding to my property at XXXX XXXX XXXX XXXX XXXX, CA XXXX were created without my authorization and through identity theft of my personal and private information. 

The Second Notice of Fault in Dishonor and Opportunity to Cure was served to Clear Recon Corp.on XX/XX/XXXX Certified Mail # XXXX XXXX. 

The Third Notice of Default in Dishonor, Discharge of Obligation to Pay Instrument was served to Clear Recon Corp. on XX/XX/XXXX including my Notarized Affidavit of Non Response Certified Mail # XXXX. 

Fourth, you will find a notarized Affidavit of Non-Response from XXXX XXXX XXXX served to Clear Recon Corp.on on XX/XX/XXXX Certified Mail # XXXX. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

I have some different card, at the end all of each account are together with a bank name SYNCHRON. I lost hours of job because of my payee put her private doctor office with a clinic. With this mix, I lost 5 hours weekly of my job, in the end, my salary is less. I contact a company name XXXX XXXX XXXX   to help me to pay my debt. I started the program 2 months ago. They told me to enter to the internet pages of my different credit card and gave its number to contact them, I did, but this bank called me ALL the days several times including my job and weekends at XXXX XXXX. I called my represent in XXXX XXXX and told me that I need to give its number and request to call them, I did but they continue harassing me. 
I need help with this.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I HAVE A FRAUD ALERT ON MY CREDIT FILES. I AM INFORMING ALL THREE CREDIT BUREAUS TO REMOVE ALL OF THE FRAUD ALERTS ON MY CREDIT FILE. REMOVE ALL FRAUD ALERTS ON MY CREDIT FILES.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (CA)

I discovered an unknown collection account on my credit from a company called The Bureaus Inc Account Number XXXX alleging that I owe a debt to XXXX  XXXX. I have never had a XXXX XXXX card in my wallet or in my possession. I have never received a bill or nothing of the sort from XXXX XXXX. Now as of yesterday- there are now in fact 2 collection companies reporting on my credit in regard to the same unknown account with XXXX XXXX. The new company is called XXXX XXXX XXXX. 

Once again, I have not received a notice from XXXX XXXX because I have never had dealings with them. I also never received a collection notice from either of the collection agencies and they both are reporting the account on my credit and coming after me for the same debt at the same time.