davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MD)

To whom it may concern : I contacted Barclays Bank Delaware ( 'Barclays XXXX regarding a fraudulent file that was listed on my credit report for over 9 years now. 

I received a letter from a Representative named XXXX, thats the account was never settled, that it was sent to a collection company named XXXX XXXX XXXX. LLC. 


The investigation she completed was some what incorrect. 

Additionally, Barclays Bank Delaware changed the reporting codes from closed to charged off on my credit file and damaged it more within the past 3 days. I dont understand why a simple request, turned into more effects to damage my credit report Attached you will find a company response from XXXX XXXX XXXX XXXX XXXX ( CFPB report XXXX ) As mentioned, I had to settle this account for less than the amount because I was facing losing my government employment due to this fraudulent account. 

When I was made aware of this fraudulent account, I took all of the necessary action to protect myself and your company did nothing to assist me the victim! 

Attached is FTC fraud report XXXX filed XX/XX/XXXX FTC report XXXX filed in XX/XX/XXXX. Additionally, Ive place 7 years fraud alerts on my credit report because of your inability to verify and screen applicants correctly. 

Furthermore, XXXX XXXX XXXX did settle the account, and agreed to remove the fraudulent account from my credit report. Which ultimately means that Barclays Bank Delaware still wrote this off as bad debt. Meaning, Im still owed documentation to report it the IRS from Barclays Bank Delaware. 



I kindly request the removal of the 9 year account based on the above mentioned facts.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

date : XX/XX/XXXX Trans Union, XXXX, XXXX To Whom it may concern The accounts is fraudulent on my credit report. I am taking action to get them off my credit report. I did not open these accounts it wasn't by me they are affecting my life Since COVID 19 I've been having problems with fraudulent accounts on my profile XXXX XXXX XXXX XXXX Account Number # XXXX opened on XX/XX/XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3500.00} XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$5900.00} XXXX XXXX XXXX Account Number # XXXX opened XX/XX/XXXX Total fraudulent amount : {$3700.00}
Consumer complaint received 2023-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MI)

National Recovery Agency ( hereinafter NRA ) is obligated and has failed to comply with 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency. has furnished adverse/negative information about this consumer to XXXX, XXXX and XXXX. 
NRA has a duty to this consumer to provide this consumer with a written notice prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency. 
This consumer has yet to receive a written Notice of negative/adverse information from NRA and the time allotted for doing so has since expired.

NRA has incurred statutory liability under the Fair Credit Reporting Act as a direct result of its failure to comply with the above mentioned title and section.

NRA is obligated to this consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

NRA has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ). 
NRA has failed to apprise this consumer of his right to dispute and request validation of the information being communicated by it to XXXX, XXXX and XXXX. 
NRA has incurred liability under the FDCPA as a direct result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ). 
On or around XX/XX/2023 NRA communicated a text message stating I owe a debt without informing me that this debt can be disputed. I communicated back to mark this debt as disputed and to cease contact. On XX/XX/XXXX, I received back to back phone calls with a voicemail left regarding this alleged debt. Another clear Violation of the FDCPA.
Consumer complaint received 2021-10-19
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. (MD)

Both XXXX accounts XXXX and XXXX were closed XX/XX/2019 but is showing as " past due '' on my TransUnion consumer report. ( See attachment reflecting CRA 's reporting incurrent information. ) A closed account can not be reported as past due. This inaccurate information is causing harm to my reputation.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Under credit inquiries both Transunion and XXXX are showing XXXX hard credit inquiries. I have made XXXX ( XXXX ) transactions that would trigger a hard inquiry. 
All inquiries shown have been made without my knowledge, consent or action with companies that I have an on going relationship and should not be shown as hard inquiries, but as soft inquiries made by companies without any effort or permission on my part. Thank you for correcting this matter.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I looked at my credit report and noticed some things are incomplete and not accurate and according to the fair reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates this account. XXXX XXXX ACCOUNT XXXX is not complete and is not accurate. ACCOUNT OPEN DATE IS NOT REPORTING CORRECTLY, DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT, THIS IS NOT ACCURATE. 

XXXX XXXX ACCOUNT NUMBER XXXX Is not accurate. 
XXXX XXXX  ACCOUNT NUMBER XXXX Is not accurate.
Consumer complaint received 2020-09-29
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. (TX)

in XX/XX/XXXX, I notice that XXXX XXXX reported inaccurate credit information to the three major credit bureaus : XXXX, XXXX, and Trans Union. 

XX/XX/XXXX : I Fiuled a Ch XXXX Bankriptcy - the payment history according to XXXX XXXX ( inaccurate and incomplete ; also an account I don't even recognize ) -recording as NEW derogatory account credit bureaus are not investigating it -have contacted them several times to verify and correct this inaccurate and incomplete information. 

I have records of all of this : documents by both XXXX  and XXXX  and Trans Union saying it was verified, but there is no verification, m according to furnisher ( XXXXXXXX ) under factor 3:12- fair and accurate transaction act, I'm entitled to the information that XXXX  allegedly has, and has reported to the credit bureaus. It's been seven months, ( will include documentation of all correspondence )
Consumer complaint received 2020-09-29
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. (MD)

I contacted the credit bureaus on numerous occasion in regards to erroneous items on my credit report. I tried reaching out to XXXX, XXXX, and Equifax. I have yet to receive any documentation and its investigations have extended longer than the 45 days. I am now requesting these erroneous items be removed from my credit report.
Consumer complaint received 2022-09-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Two fraudulent charges showed up on my Bank of America credit card account in late XX/XX/2022. 
1 ) {$60.00} on XX/XX/2022, XXXX XXXX XXXX ) {$420.00} on XX/XX/2022, XXXX XXXX XXXX XXXX I notified Bank of America immediately. The bank issued me a new card and provided temporary credits on XX/XX/2022 and XX/XX/2022. 
The bank did not make any statements regarding filing a police report or contacting the vendor at that time. 
On XX/XX/2022, the bank put the charges back on my credit card. I called to ask why on XX/XX/2022. After being on hold for over 40 minutes, they said the fraud claim was denied. I was told that they can reopen the claim and temporary credits will be provided in two business days. But I need to contact the vendors to assist in the fraud investigation. 
On XX/XX/2022, no credit was given. After calling the bank again, I was told that the bank will not provide temporary credits anymore and they provided me with inaccurate information previously. I told the bank that we went to XXXX XXXX XXXX XXXX store and they can not help us much. After calling XXXX XXXX XXXX XXXX, I was told that the transaction was a store pickup and that the email on the transaction was not my personal email. However, I must file a police report regarding fraudulent charges as the vendors can only provide detailed information to law enforcement. 
I filed a police report and provided the police report number to the Bank of America fraud department. Even after all that, Bank of America still will not provide temporary credits to my account when the fraudulent charges are being investigated. 
As a matter of law, consumers should not be held accountable for fraudulent charges. The current business practices of Bank of America, in essence, are shifting the financial burden of fraudulent charges back to the consumer. This practice is immoral, if not illegal.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NC)

I had put in a dispute claim because I was XXXX  and had wrote netspend for the XXXX in S.C. telling them it's not me spend my money. They sent me out an letter so that got me permission to call them and order a new card to the jail. When I got out put in the dispute claim and they gone tell me they don't see an error. Money being spent XXXX XXXX and all over XXXX and I'm XXXX  the whole time.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Late Date XX/XX/19, XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc. (SC)

I have 2 late payments for the month of XXXX and XX/XX/2022, and my payments was never late. I think it been a error on they behave with the banks and now I have 2 late payments on my credit report that's messing up my credit. I did call and informed them of this and the customer care person did not want to call the credit bureau to fix this she just told me to file a dispute with the credit bureau. Been with this company for almost a year now and never had any issues. So I check my credit report again lately and someone change the date to XXXX and XXXX of me being late instead of XXXX and XXXX. This falls up under 15 U.S code 1666B billing errors
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (NC)

I am writing to formally report violations of the Fair Credit Reporting Act ( FCRA ) regarding Carmax, which I believe has engaged in unlawful practices concerning the reporting and handling of my credit information. 

In XXXX my debt was discharged in according to a 1099c that was filed with the IRS. Despite this discharge, I have noticed that Carmax continues to report this discharged debt to credit reporting agencies without my consent, violating my rights under USC 1681, which mandates that consumer reporting agencies and furnishers must ensure the accuracy and integrity of the information they report.

Additionally, I did not authorize Carmax to report this information, which raises serious concerns about their compliance with the FCRA 's requirements for consent and accurate reporting. The ongoing reporting of this discharged debt is causing significant harm to my credit score and financial reputation. 

I kindly request that the CFPB investigate these practices to ensure compliance with the FCRA and protect consumers like myself from such violations. I have attached supporting documentation.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-02-23
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. (NJ)

I've been disputing fraud accounts and inquiries on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2023-04-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (VA)

Affidavit of Truth Pursuant to 15 USC 1692d- You can not engage in any conduct to harass, oppress, threat, to harm my reputation, or property. Telephone to ring or engaging any portion in telephone conversation reportedly to annoy you. 
You continentally called my phone and trafficked my information without my knowledge and invaded my personal property to repo my car. Which is a form of identity theft, wheres my equal consideration? 
Pursuant to 18 USC 8- Obligation or other security of united states defined all debt public and private belongs to the USA .

Your phone calls is seen as a threat to me and caused me grief and the feeling of being violated at my own home leading me to a XXXX. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Law clearly states its a XXXX dollars per violation Under law each excessive phone call is a violation of a XXXX. 
I request I receive my car back under conditional acceptance with title Under the Gramm Leach-Bliley Act, a financial institution must provide its consumers with a notice of its privacy policies and practices, and must not disclose non-public personal information about a consumer to non-affiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosures. The act as well requires the commission to establish for financial institutions appropriate standards to protect consumers information Thank You, XXXX XXXX Without Recourse
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-07-18
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)

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that they were incorrectly reporting a bankruptcy on my credit profile. I sent a copy of this letter to Experian and asked them to certify this account on my profile. Experian said they spoke with someone at XXXX and that Experian was able to certify this account. I asked Experian for the name, address, and direct contact to the person they spoke with. I asked Experian several times to disclose this important information to me in order to resolve the account that is inaccurately reporting on my credit profile. My latest communication to them was on XX/XX/XXXX. Also, in this dispute I asked Experian for their investigation process regarding the Bankruptcy. In the end, I did not receive any specific information regarding who it is that Experian spoke with and how to directly contact this person who certified this account, so that I can resolve the issue and reconfirm the bits of information Experian did give to me. On XX/XX/XXXX, Experian stated : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
If our reinvestigation has not resolved your dispute. '' However, no investigation has been shared with me and I asked for a specific name of a natural person that they spoke with at XXXX so I can directly contact this person they say certified this bankruptcy. I provided a copy of the XXXX letter to Experian on several occasions and to no avail, as Experian is responding with an automated computer to my investigation request. I am still in dire need to speak with someone to remove this inaccuracy from my credit file.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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.