davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Credit reporting 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. (MI)

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am writing to dispute the following information that appears on my XXXX, TransUnion, and XXXX consumer report 's. 

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 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
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 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
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

XX/XX/ 2024 Subject : Continuous Fluctuations in Collection Balance by National Credit Systems and Failure to Validate Alleged Debt ( CFPB ) Dear CFPB, On XX/XX/2024, National Credit Systems once again decreased the collection balance. However, they engaged in the deceptive practice of removing a collection account from my credit report only to re-add it shortly afterward. This unethical behavior, known as " trashing the consumer 's credit report, '' is completely unacceptable. It appears that each time I file a complaint, XXXX retaliates by further damaging my credit report. 


I am writing to express my profound frustration and outrage regarding the deceitful practices of National Credit Systems, which are significantly undermining my financial stability. 


Their manipulative tactics, such as adjusting collection balances by minuscule amounts and unlawfully changing delinquency dates, have led to significant decreases in my credit score. These underhanded maneuvers have persisted unchecked for over a year, eroding the reliability of my credit report. 


While these alterations may appear minor, they carry profound implications for my creditworthiness. The repeated manipulation of balances and delinquency dates creates a false impression of new collection accounts being added to my credit reportan infuriating scenario. 


It is crucial to emphasize that collection agencies like XXXX do not possess the authority to tamper with original delinquency dates or alter account opening dates. I have neither authorized any payments nor incurred any charges related to this account. Therefore, the original delinquency date should remain unchanged and be removed from my credit report after seven years. 


I implore severe penalties to be imposed on National Credit Systems for their flagrant violations of the FTC Act. They must be held accountable for their manipulative practices, which not only harm consumers but also undermine the integrity of the credit reporting system. 


A substantial civil penalty, such as XXXX XXXX dollars, is warranted to address the severity of these unfair and deceptive practices. The evidence indicates that XXXX knowingly engaged in conduct that is both unfair and deceptive, necessitating swift action from the Commission.

The CFPB must take decisive action to protect consumers and restore trust in the credit reporting system. Your attention to this urgent matter and your commitment to safeguarding consumer interests are deeply appreciated.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I had paypal balance of {$25.00} and a prepaid card from XXXX of {$50.00}. I was attemtping to buy something above the price of the prepaid card and Paypal wasn't allowing me to split the payment between my balance and the prepaid card the only way I could afford it so I transferred {$25.00} from my PayPal balance to the Prepaid Card. It ended up being {$24.00} to the prepaid card after Paypal transfer fees. On XXXX it shows the same amount as a purchase and it was deducted from my account and also from my paypal account. Both companies are pointing the fingers at each other and not understanding the situation. I filed a dispute with Paypal and it was denied they told me the money was sent I filed a dispute with XXXX and they told me it takes up to 90 days and I'm sorry I'm not waiting that long. I lived on a fixed income and {$50.00} nearly that I've lost is a lot of money to me. I don't know who's fault it is its just pointing fingers on my paypal account it shows the money transfer from the Paypal balance to the XXXX  prepaid but on the XXXX website it shows a purchase from Paypal. This has to be some sort of major screw up or potential fraud on their behalf. If the card isn't loadable it shouldn't allow you to attempt to load it and outright deny it. But instead of that it deducted the money from both ends. The companies of course are playing XXXX not understanding what I'm explaining with no help at all.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$410.00}
Consumer complaint received 2023-10-05
Product: Credit reporting 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. (MN)

Hello : Im just going through my credit report a few days ago and I saw Transunion, XXXX XXXX XXXX has all these hard inquiries some listed more than once on my report I dont know where those companies came from and I saw the date is XX/XX/2023 it was when I went in for a car purchase but I had no clue XXXX was going to just throwing my information all around and he said it would be just two or three. I saw to many to understand I was very angry and confused.
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Dispute Regarding Collection Account Under Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 



Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. 



Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. 



Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. 



Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. 



In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. 



I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I was released I checked my credit and notice I have a collections from a XXXX XXXX  credit card that was opened in XXXX of XXXX. I called Portfolio Recovery Associates , LLC to explain to them that it was not me and that I was in XXXX  so someone used my identity to open this account as well as XXXX XXXX which I have already talked to XXXX and had resolved. I sent Portfolio documents from my release paper from XXXX but still have not been able to resolve this matter.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00}
Consumer complaint received 2023-10-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (FL)

My aXXXX XXXX have the Florida Empowerment Scholarship for Unique Abilities -- aka XXXX students. Step Up for Students, the scholarship administrator, teamed up with US Bank to assign us Focus cards to get reimbursements paid on. US Bank will charge all kinds of fees. There is no branch of US Bank in Florida. We did not ask for these cards -- they were opened without our permission. It is difficult to pack up and take XXXX children to ATMs and banks every time we need a reimbursement for an educational expense. XXXX XXXX, the Florida Marketing Manager for US Bank, bought his way onto the SUFS Board of Directors, and now we are being forced to use his bank 's cards. If I don't activate the card, then I can't get reimbursed for educational expenses I have already paid for. This seems really, really illegal and corrupt. Because you fined them last year, can you investigate our problems this year? Thank you!
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WI)

We purchased a new washer and dryer and XXXX. We took out a new credit card at the time, it was a XXXX from XXXX XXXX. We had an old American express card with XXXX that we had not used since XXXX. We had only used it once for a previous purchase. We no longer have the physical card or the card #. We did not authorize the use of this card. 
XXXX XXXX put the charge on the wrong credit card, they must store them in their system. 
We went back to XXXX and they refunded the American Express card, but for some reason not the entire amount. They say delivery charge and hook-ups for the appliances did not get refunded. We have gone back and forth with XXXX as well. 
American Express has tacked on 2 late fees for {$70.00} during the time this was being disputed. 
I have sent them a check for {$170.00}, the amount that XXXX did not refund, but refuse to pay the late fees. I never gave anyone authorization to use that card, nor do I even have the physical card. 
American Express is being absolutely ridiculous about the entire matter.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My account was closed after I deposited two checks on XX/XX/2023. I got the two checks from auto dealership because I sold two cars. Chase said they will mail me the cashier check at XX/XX/2023. But they did not ship out yet. The amount are XXXX buck. I need the fund to pay my house payment and my credit card. All my money is in this bank. If I can NOT get that money, My house Payment will be late pay. If I still no pay the house payment, My home will be auction. I have XXXX kids. They are XXXX and XXXX years old. I do not want my kids to be homeless.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To whom it may concern, I, am writing about my credit account with XXXX credit card. I established a hardship contractual agreement in XXXX of 2023 to make a monthly payment toward this account of an amount both parties agreed to. I have and continue to make payments as agreed and on time!! My credit report with the credit bureaus continues to reflect that NO payment has been made as agreed upon. My XXXX payment was made via phone with a representative after much difficulty. I made two separate payments in XXXX, on the XXXX as scheduled, and a second extra payment on XX/XX/2023. A payment for the month of XXXX was also made on time as scheduled and is yet to be reflected. In fact, the credit bureau report reflects XXXX an XXXX  payment was made for XXXX, and the XXXX payment is not acknowledged at all either. This is contrary to the fact two payments were made in XXXX along with my payment in XXXX as scheduled. Despite the fact I had a confirmation number for my payment, I also spoke with a XXXX supervisor who also confirmed the payments had been received but gave no information as to why payment was not being reported. Hence, the company continues to report nothing for more than 60 days OR report it was not received either. I have filed a dispute through XXXX disputing this report on my credit report and spoke with a credit card supervisor asking for this to be corrected. However, to my dismay, XXXX credit company still refuses to correct my credit account and reflect payments made as agreed to my 3 credit bureau reports. 

I am seeking to have my payment history updated and credited accordingly immediately to reflect the correct credits to my account. 

No one especially a senior should have to be subjected to all this!! Thank you in advance for your assistance.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My credit report is showing late payments to BK OF AMER XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICAs customer service representative.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$310.00}