davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (CA)

I had an account with XXXX XXXX ' XXXX in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX XXXX XXXX XXXX sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Fidelity National Information Services, Inc. (FNIS) (CO)

Under the Fair Debt Collection Practices Act, debt collectors are required to identify themselves in any communication with a debtor. Complete Payment Recovery Services called me on XX/XX/2021 without stating who they were, their company name, and what their purpose was.
Consumer complaint received 2023-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cawley & Bergmann, LLP (UT)

As of XX/XX/XXXX I received mail again after advising to no contact.Cawley & Bergmann , LLC is trying to collect a debt that is owe to XXXX XXXX XXXX. XXXX has been advised and given proof of my identity theft affidavit I sent but yet still trying to collect through this debt collector. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. Furthermore, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. This Cease and desist include but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY. 15 USC 1692c ( c ) Ceasing communication FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations My next step will be under FDCPA 813 [ 15 USC 1692k ] Civil liability Your Options are as follows : Delete this account and cease and desist with all collection activities ; Settlement ; or We go to court and you incur lawyer fees, plus pay me Actual damages plus legal fees This account wasn't opened in XXXX XXXX XXXX XXXX XXXX acquired this account in XXXX. I was informed it was in XXXX when this Theft occurred and I wasn't aware their was a credit card in my name. Cawley & Bergmann LLC that the company they are collecting for can report this to reporting agencies if unpaid even if they can't sue! Well know you laws correctly Under the New Rule REGULATION F which took effect XX/XX/XXXX, If XXXX XXXX XXXX XXXX will violate my right under the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. So no neither you or XXXX XXXX XXXX, will no such thing until you have done an investigation to proof this debt! You don't have license to collect in this state and this account is past the law limits.
Consumer complaint received 2022-05-25
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. (GA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-19
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. (GA)

I have been a victim of identity theft fraud. I have no idea of any of these inquiries. I have never opened any of these inquiries or I have never gave any permission to any company. Why do I have these unknown items in my report? This is a big mistake. Please review this and remove them from my credit report as soon as possible. Please investigate
Consumer complaint received 2023-03-23
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX 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
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX never inform me by mail or by phone that my payment was return my payment was due the XXXX my statement date was XXXX the XXXX and my payment was return the XXXX of XXXX they never notified me by phone call or my mail and the dashboard wasnt showing me that I have any payment due until the the XXXX when my statement was already close and now I have a delinquent on my report that I have a miss payment that ruin my credit worthiness and damage my mood of living the payment was return it wasnt my fault they should have notified me that my payment was return so they need to update my payment history or remove the Miss payment because I did make a payment they never let me know my payment was return
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (NJ)

On XX/XX/XXXX i disputed the completeness and accuracy with XXXX and Equifax and i received reinvestigation results from each of them and there were very noticeable inaccuracies. They verified these accounts as accurate when each of the companies documents are reporting very different things. 

For XXXX and Equifax the account XXXX XXXX acct # XXXX the account has multiple violations and inaccuracies. 

1. They failed to mark the account as disputed even though they said the account in dispute was verified as accurate. They Violated 15 usc 1681s-2 ( a ) ( 3 ). XXXX is knowingly reporting this account without being marked as disputed when they are not allowed to do so. 
2. The payment history from XX/XX/XXXX to XX/XX/XXXX they are reporting the account 120 days late consistently every month when Equifax is reporting the same account as 180 days late consistently in the same time period. 
3. The payment status is incorrect. XXXX is reporting the payment status on the reinvestigation results as 120 days late or past due while Equifax is reporting 180 days late or past due. 


For the other XXXX XXXX XXXX  Acct # XXXX the account was not marked as disputed from either one and is a violation of 15 usc 1681s-2 ( a ) ( 3 ). To take it a step further XXXX is reporting the last update as XX/XX/XXXX when the reinvestigation results were issued to me on XX/XX/XXXX. This shows negligence and willful non compliance. 

These obvious inaccuracies are hurting my ability to obtain credit and i demand they be removed immediately from XXXX and Equifax. 

I have Attached the Letters i sent out on XX/XX/XXXX and the reinvestigation results from each company I have also attached My identification
Consumer complaint received 2023-07-20
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: EQUIFAX, INC. (NY)

in accordance with the fair credit reporting act XXXX accounts 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  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 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent
Consumer complaint received 2023-03-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XXXX XXXX XXXX I redeemed {$10000.00} ( face value ) in U.S. EE savings bonds. After scanning the bonds, the teller informed me that I'd be receiving {$39000.00} in total for interest and principal. She also told me this money had to be deposited in my U.S. bank account for the transaction to be completed and I agreed. I thought the total was a little high but who was I to question the computer system and a trained teller. Well later that day, I received a call from the same teller informing me that a mistake had been made ( by the scanner ) and that she'd get back to me to let me know by how much. I didn't hear anything so on Thursday, XX/XX/ I went back to the branch in XXXX and spoke to the manager. He said he was aware of the problem and that my guesstimate of the overpayment was probably correct. Again, I asked for a phone call and written confirmation of what went wrong and how much I should have received for the bonds. The next day I found out when looking at my U.S. Bank App that {$18000.00} had been taken out of my account. Other than the initial phone call and the in-branch discussion, I never received a verbal or written explanation of what went wrong. To make matters worse, on XXXX XXXX XXXX, U.S. Bank withdrew an additional {$18000.00} from my account without notifying me! I didn't realize the money was missing until Thursday, XX/XX/ but called the XXXX branch as soon as I found out. Again I spoke with the XXXX and he said he'd look into it and call me back the same day. Well he didn't call me back but to his credit he managed to correct the error immediately. I called U.S. Bank customer service on XX/XX/ and filed a complaint. Soon after I received a survey for that call and I attached an email similar to the one you are reading now dated XXXX XXXX XXXX I followed up with another call to customer service on XX/XX/ and the gentleman said my complaint had been forwarded to the XXXX branch manager and he was in the process of mailing me a letter that day. Well it's XX/XX/ and I have yet to hear from anyone at U.S. Bank!
Consumer complaint received 2023-01-06
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. (FL)

I did not apply for anything in XXXX and XXXX! Must be FRAUD!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Transunion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
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 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 My correct name is XXXX XXXX XXXX and maiden is XXXX XXXX XXXX Please delete ALL fraudulent names from my report My current address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Thank you for your time and help in this matter.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ACCOUNT NUMBER # XXXX CAPITAL ONE AUTO FINANCE My name is XXXX XXXX XXXX, and my account number is XXXX. 
Your outstanding customer service is the reason Ive remained a loyal customer. Ive always I have financed XXXX XXXX XXXX ( XXXX XXXX ) with Capital One Auto Finance on XX/XX/XXXX, however I did turn the car back into the dealership in exchange for XXXX XXXX XXXX with the same dealership on XX/XX/XXXX. 
My credit report shows a late payment for XX/XX/XXXX, which is not accurate, because I turned the car in before my payment day, which means on XX/XX/XXXX I no longer was the owner of the car, and I leased a new car with the same dealership and made a payment for the new car. PLEASE SEE EVIDENCE ATTACHED! MY DUE DATE WAS 21 DAYS AFTER I ALREADY TRADED THE CAR!!!! I DID NOT RECEIVE ANY MAIL EMAIL OR PHONE CALL REGARDING THAT PAYMENT!!!! 

I have tried to contact customer service, by phone email and mail!! I have been told that it didnt show update in the system until mid XX/XX/XXXX, which makes it the dealership fault on not reporting in on time! The dealership where I got the car from is no longer in business and I cant contact them regarding this issue
Consumer complaint received 2022-07-31
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. (NJ)

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON TRANSUNION AND XXXX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. TRANSUNION HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. tRANSUNION HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XXXX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Consumer complaint received 2023-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (FL)

I reviewed my consumer reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2023-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to you in reference to the following : I have disputed this account information as inaccurate with you, and you have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. 


The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Miscellaneous Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Reason : Account is closed Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX ) Account XXXX : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX Reason : Account is fraudulent
Consumer complaint received 2021-01-20
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. (SC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (CA)

I was charged a huge amount of fraud charges on my credit while not even having my credit card in my possession. I believe someone has my access information to my bank as this has been happening for a year now. Ive been with my bank for over 10 years and dont have any history of reporting fraud until a year ago. 

XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud following up XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud again with not even having a valid credit card in my possession. 

My bank is not accepting my fraud claim and believes the transactions were valid which is not okay and not acceptable the fact that they have not even given me any option to protect my information that is clearly being used. Ive physically gone to a bank to see what I can do to change my information to access my account and I have not gotten any treatment as to fix that.