davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

Account Number : XXXX XXXX XXXX is reporting this account as a " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX  XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX XXXX XXXX before my planned XXXX, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the XXXX XXXX. I have disputed this account numerous times within the past 3 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Consumer complaint received 2023-02-16
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. (NJ)

This is my second attempt to resolve this issue. XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Consumer complaint received 2022-07-28
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. (HI)

I sent a letter on XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$270.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-16
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: CREDIT ACCEPTANCE CORPORATION (NC)

While looking at my credit reports I have noticed the following account has discrepancy in the " payment history '' section of the listing : Credit Acceptance XXXX The charged off account is reporting payment history each month when it should since the account has been charged off. This is falsely manipulating the statute of limitations which is FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : CREDIT ACCEPTANCE XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On tuesday XX/XX/2020, I was scammed out of all my money. I was called by this scammer who posed as a government official who said my identity had been stolen and in my name there are many properties and bank accounts and even criminal activity. I was told that all the accounts would be frozen and I had to pull my money out and convert to digital data through gift cards. I went to my Chase bank in XXXX. I said I needed {$20000.00}. They said they could only give me {$10000.00} and they called the Chase on the XXXX  side of XXXX and told then I would be coming to withdraw the remaining {$10000.00}. The scammer was listening to all the conversations. I went to the easy XXXX Chase bank and asked for {$20000.00}. The women said she was told {$10000.00} but would go ahead and give me the {$20000.00}. I pulled a total of {$30000.00} out of my account in 1 day and lost it all to the gift cards. Looking back, the bank should not have allowed me to pull that much out in such a short period of time in case of these types of scams where and individual is under duress.
Consumer complaint received 2020-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I applied for a {$50000.00} mortgage to buy a {$260000.00} home about 90 days in advance of closing on XX/XX/XXXX. From the very start I was asked to upload my taxes, print and sign a myriad of documents, prove my retirement income and social security, and to upload 2 months of transactions from my local bank accounts. I do my taxes on paper, not software. I offered to send copies. No good. I couldnt print. I asked for the documents to be sent to me, I would sign and return. No good. Navy Federal Credit Union has been receiving my military retirement pay every month since XXXX, and my social security pay every month since XXXX. No good. I had recently cashed in two certificates of deposit ( issued by Navy Federal ) in the  amount of nearly {$55000.00}, and had received over {$180000.00} in proceeds from the sale of my home, a copy of the signed settlement statement being provided to NFCUa total of $ XXXXmore than adequate to cover my down payment. Again no good. As it turned out, I was 4 business days from closing without an approved mortgage, and was asked to show 2 months of transactions from my local bank accounts, even though I had already proven I had the funds. I ended up paying cash. I was a member of NFCU for 40 years. Was.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. 
XXXX XXXXXXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX account # 's XXXX, XXXX, XXXX, XXXX, XXXX XXXX account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT #, XXXX XXXX XXXX XXXX ACCOUNT #, XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX  XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Account Number : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.
Consumer complaint received 2022-07-28
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. (SC)

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! 


In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: OneMain Finance Corporation (FL)

In accordance with the fair of credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 a section 2 its also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2023-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

Ref : NewRez LLC also XXXX Shellpoint Mortgage Services- XXXX XXXX XXXX NewRez Account # XXXX - XX/XX/2022 Notification of non-payment from NewRez LLC when in fact my payment was credited to another account. 

- XXXX XXXX Accounting Check # XXXX presented for payment on XXXX. 

- Payment Credited to NewRez Account # XXXX This was actually discovered through my own investigative process. 

- Have had multiple conversations and email communications. No resolution or acknowledgement of receiving then crediting the incorrect account. 

- Our on-line payment account is a complete disorganized mess - Our account indicates multiple late payment charges. 

Please assist as appropriate. 

Respectfully, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-07-28
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. (KS)

Account XXXX : XXXX XXXX XXXX XXXXXXXX is reporting this account as " Legally paid in full for less than the full balance '', which should not be any derogatory mark. I paid this account in full, then requested the account to be closed before I joined the US Army and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the US Army ( XXXX XXXX ), I obviously moved and updated my address, in which, but XXXX XXXXXXXX XXXX failed to notify me of the account 'NOT '' being closed. The XXXX XXXX XXXX XXXX representative sales XXXX stated my account was at a XXXX balance and my account was closed, in XXXX of XXXX of 2015, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces. I have disputed this account numerous times within the past 5 years and I have not received any instrument of indebtedness, contracts with my signatures, or statements of agreement. This company has continuously violated my consumer rights with incorrect account reporting and negligent account reporting. Please update this account to " paid '' and remove all associated late payments or delete the account in its ' entirety.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (OR)

my trust fund that I have with Wells Fargo got moved from XXXX XXXX XXXX XXXX XXXX soon there after the XXXX XXXX XXXX sold all my blue chip stocks of and left me with a huge capitol gains taves! I have tried to resolve with weellsfargo XXXX XXXX and they won't answer my calls any more. My quarterly statement from XX/XX/XXXX shows a balance of {$940000.00} to XX/XX/XXXX is {$890000.00} and they have not only charged me {$700.00} a month but they have not given me enough money to pay my rent for XXXX monthes out of the last XXXX monthes!!!!! My Name is XXXX XXXX XXXX ( XXXX ) XXXX and XXXX, XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX. PLEASE CONTACT ME BEFORE I END UP HOMELESS AND BROKE OR BROKER THAN I CURRENTLY AM.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

Transaction date of XX/XX/year> I was at XXXX XXXX XXXX and went to the cashiers window to do a cash advance for {$2000.00} + XXXX casino fee using my debit card.The transaction was declined. The gentleman ran my card again for {$2000.00} XXXX casino fee. Again, the transaction was declined. I did have one go through for {$1000.00} + {$52.00} fee no problem on this one. I didnt realize until 2 days later that the total of {$4300.00} was removed from my account. I called and filed a claim and, was told that since it was a gambling establishment there was nothing they could do to refund what they illegally took from my account. They denied the claim, not using all of the information that I provided from the casinos transaction reports that show both transactions were declined. I filed another claim and again was told the same thing and if I got a letter from the casino stating the money would not be used for gambling purposes they could possibly help me with my refund. I then contacted Chase Bank executive offices in New York again they denied the claim and used only the page that shows the intended transaction amount, not the page that showed the transactions declined. Again, they denied my claim. The transaction reports from the casino were getting ragged since I have been fighting this over 3 months. I went back to casino to get a fresh set of transaction reports and they could not find the 2 declined transactions. They said that only declined transactions dropped from their books after 90 days and that was the reason they couldnt no longer pull the report. The one that was approved in the amount of {$1000.00} was there, not the 2 declined. This is more proof that the transactions were declined the casino will verify this. I have been with Chase Bank for 22 years and never heard of them being able to tell someone how or where they can spend their money. This, in my opinion is blatant theft of {$4300.00} from my personal bank account. I am attaching the snapshot where my account was debited and the transaction reports from the casino.
Consumer complaint received 2021-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

Hunter Warfield ( XXXX XXXX XXXX XXXX, XXXX FL, XXXX ) wrote a letter to me indicating that they are collecting a debt on behalf of XXXX XXXX XXXX in the amount of {$330.00}. XXXX XXXX XXXX is an apartment complex based in XXXX XXXX, Texas. 

I called Hunter Warfield and asked what info do they have linking me to this account to which they supplied my Name, Date of Birth, and Social Security Number which is off by a digit from mine. Therefore, this fradulent charge is not related to me. However, they still proceeded to report this to the 3 credit Bureaus, which has negatively affected my score. 

I relayed to Hunter Warfield that this is fraud as I have only resided in California. I filed and supplied Hunter Warfield with 1. a police report from XXXX Police Department indicating that this is Fraud 2. a copy of my Driver 's License. 

Right now, Hunter Warfield is insisting that I need to supply more information to remove this from my file. Please assist to help me fix this fraudulent claim. 

Further, Hunter Warfield should validate all information before claiming to collect a debt that is not assigned to me.