davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
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. (MA)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 2017-04-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

A few years ago I contact ed Citi bank  regardi ng my sears cr edit card account and inform them I will like to dispute the balance on my account because I 've been paying for this account for years and the balance has n't changed. If anything it has increased exponentially.   I also advised citi to not contact me by phone and and requested any sort of correspondence should be done via mail. Needles to say they completely disregarded my request and kept calling me and NEVER validated my balance or submit to me my request of original application for this account and the original Terms and Conditions. I keep paying on this account even though my request went on deaf ears. About a year or so ago I contacted them again and requested the interest rate on this account reduced so that when I make payments on the account it will actually help reduce the balance owed .... that request was n't honored. I then again requested a validation of this debt. Months went by and I never heard from citi again. As far as I 'm concerned they have violated the CFPB laws,  Udap, Fcra a nd multiple rules with respect to honoring my demands. Due to citis violations of these rules I am requesting that this account should be closed and deleted from my credit reports.     XXXX   XXXX   XXXX   also called me and mailed me with regards to this dey stat ing Citi sold t he account to them. I explained to the representative that this account should be closed and deleted from my credit reports due to Citis violations. The rep advised they will not be doing such thing. The rep then proceed to offer me a settlement offer, completely ignoring my demands. This collection agency has a horrible reputation for strongarming customers into paying disputed debts. I am her by asking this debt to should be closed and deleted from my credit report. I will be forced to hire a legal professional to assist me with the matter if citi and   XXXX   XXXX   refuses this request.   Thank you
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : 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 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 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I have sent all the information requested in order to have fraudulent accounts removed. I have provided police reports, Identity Theft Report, and documentation that several accounts and address on my report are fraud. I have followed al l protocol provided by the FTC to handle Identity Theft. I still have accounts on my report that not been blocked or removed according to section 605B of the  Fair Credit Reporting Act.
Consumer complaint received 2017-04-21
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I had a secured card with  Wells Fargo  for {$2000.00} which I deposited. Then they paid out a {$2500.00} fee to disputed account and after many attempts to refund my scammed money the bank refused to issue credit but instead charged me the money and used my secured money. It 's now being reported to the credit companies as a negative account for - {$2500.00}. This is fraud and they need to be investigated.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX BALANCED {$1400.00} XXXX XXXX XXXX XXXX BALANCED {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 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 2017-04-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Management Solutions, LLC (PA)

I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I used   XXXX   XXXX   XXXX   for a loan when I purchased my home in Florida. I am a realtor and when the market went down I had challenges paying my mortgage. Whenever I asked for assistance I was unable to find out from  XXXX  who the owner of my loan is now that   XXXX   XXXX   is gone. I truly believe that if I could get to the real owner of my loan, I could explain what happened and work something out with the owners so I can make my mortgage payments.  XXXX  will not reveal who this is.
Consumer complaint received 2017-04-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (WA)

I went to use my card at the ATM for a {$80.00} cash transaction the ATM printed a receipt saying an error occurred and that  XXXX  dollars was dispensed. My American serve account was still charged the {$80.00} plus ATM fees of {$5.00}. After calling customer service  XXXX  times to let them know what happen they still are refusing to refund the money to my card even though they can see that the transaction did n't go threw. The reason I have been given is that it takes  XXXX  to investigate and up to  XXXX   XXXX  to refund my money. I do n't understand why they have the right to hold my money when on their end they can see the ATM did n't give me the  XXXX . This is basicly theft for them to take money that I never reiceve and then refuse to refund it even though they know that the ATM did n't process the transaction.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Financial Ba nk will not leave me alone. I had 15 months to pay {$600.00} and I paid them off  XXXX  of this year but had until   XXXX   of this year (  XXXX   )  to pay them off. I got  XXXX  windows from   XXXX   in  XXXX , MO I payed them off way before I was suppose to..I then I got  one  more window in   XXXX   XXXX   XXXX  . I made payments each month of $  XXXX  {$60.00}. then they wanted more and more money and when I just about paid them in  XXXX  of this year they said I owed {$73.00} dollars ( I owed {$190.00}   XXXX   XXXX   of which I paid ). In  XXXX  of this year they charged me a late charge of {$27.00} which I did n't owe because they said I only made a {$49.00} payment in   XXXX   XXXX   XXXX     XXXX   XXXX   I owed {$600.00}, if you divide that by 15 months you get  XXXX  These people wo n't leave me alone. Worse company I ever dealt with. Anything for money. and they keep harassing me. ( per my bank  XXXX   XXXX   paid {$400.00} dollars,  XXXX / XXXX / XXXX  I paid {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  {$200.00},  XXXX / XXXX / XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  $  XXXX  {$130.00}. ) They keep sending me letters and I told them to leave me alone, not to call or write or anything. but I got another letter today.  XXXX / XXXX / XXXX  stating they are looking into it. there is nothing to look into. My payments were always due the  XXXX  of the month. They were in Texas now I get them from  XXXX   XXXX . IA.
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Re :  Portfolio Recovery Acct #  XXXX  Last year,  Portfolio Recovery Associates  bought an old account from  XXXX   XXXX  and started attempts to collect it from me. As part of these attempts, it reported the account as a collection to a number of consumer credit reporting agencies, such as   XXXX    and  XXXX   XXXX .     I was concerned about the impact of this to my credit. I called and specifically asked  P.R.A. if they could request deletion of their tradelines to the credit bureaus if I paid and settled the account. I was told P.R.A.  was willing to do this, and I settled the account on  XXXX   XXXX ,   XXXX  .     As of  XXXX   XXXX ,   XXXX  ,  Portfolio Reco  very  is continuing to report the aforementioned account to the leading credit reporting bureaus. In fact, when I disputed the tradeline to  XXXX   XXXX ,  P.R.A . apparently told  XXXX   XXXX  the information should remain reporting to my credit and not removed.     PRA agreed to request deletion of this account once I paid off the debt, so this reporting should cease.   The  XXXX  debt was paid off in  XXXX    XXXX   and has yet to be removed from my record  three  months later.   I request that this account be deleted, as promised, since I upheld my side of the agreement.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is regarding the mortgage account at  CapitalOne 360  Mortgage where I have seen erroneous fees charged to the account, a payment in suspense account not being applied to anything, and utter confusion as to how this mortgage account has been handled, since the loan modification was done in   XXXX  . I have attached a detailed summary from   XXXX   to Present showing the fees/charges with no explanation as to what is being charged for. In addition, the mortgage balance has not decreased in spite of payments being made on time for the past 6 months, since the modification was completed. I am really at a loss for an explanation from  CapitalOne as to what is the status of this account and the account manager, who is listed   as a point of contact has never contacted me via phone to explain for this account. I have left several messages for her to reach out to me yet no response.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

First - it took 3 years to consolidate because  Fedloans h ad trouble getting someone to process paperwork, they requested multiple copies of documents due to lost forms by them. Now,   XXXX   renewal of  XXXX . Was sent documents  XXXX , not due til  XXXX  ... .posted on site    XXXX   . Documents they gave to me and documents requested. It is now    XXXX    and I have been calling them each week. A supervisor states each time documents are correct and complete. They do not understand why this has not been completed yet ... .my payment should be  XXXX  same as last year. Now I am crying everyday, I am a single mom and found out today they are denying and wanting same paperwork again. They are going to take  XXXX  out of my account because they can not process paperwork and I will lose my home because of the payment and  Fedloan  not doing their job correctly. having trouble typing cause I am crying. Is there someway of making this go away? I can not handle this every year ...  .the threat of losing everything because they are incapable of doing their job ... PL EASE HELP
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I have been a victim of Identity theft, My credit cards and ID was stolen and this information was used to apply for credit. A police report was filed. I have been trying to fix these issues on my Equifax credit report. But Equifax has done the opposite and has caused more issues. 1. Equifax removed my old address and refuses to correct it. 2. Refuses to take off the company name XXXX 3. Removed one XXXX XXXX XXXX inquire but the inquires have now quadrupled. 4. Removed XXXX XXXX / XXXX but it is back onto my credit report and the debt is now doubled. Showing up twice. Please review the 11 page letter that I put together. Its provides all the information, backup documents and my proof of identification. I have been having issues since XXXX XXXX 2016. I am done with this and I am seeking legal counsel to get this resolved if this is what needs to be done. CC : Attorney Generals Office
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

This collection agency  I. Q Data International is att empting to collect an alleged debt that I do not owe to them. They have also reported it to all three credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agreed to pay any debt t o I.Q. Data International. The y also have not provided any information showing where I have agreed to pay them for the alleged debt. Furthermore they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the Secretary of State according to Sectio n 392.101 of the Texas Finance Code.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of America Ltd. (OH)

I have a a unverified account from  Collections Bureau Of America  #  XXXX . I had previously disputed this account. I have never done business wit h Collections Bureau Of America.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15  U.S.C.1692g, I  dispute the validity of the debt purport I owe. I reque st thatCollections Bureau Of America Provide  verification o f the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Collections Bureau Of America Cease and Desist all further communications and collection acti ves and provide the verification of the purported debt.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ERC (MN)

Date of Opening Account requested, plan of service, history of plan to prove this account should be removed ENHANCED  RECOVERY CORP  Balance {$25.00} Original Creditor :  XXXX  High Balance  XXXX   XXXX ,  XXXX  Opened Date  XXXX   XXXX ,  XXXX  Last Reported Individual Account.     Remove from my report Immediately
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (UNITED STATES MINOR OUTLYING ISLANDS)

XX/XX/2022 Credit Card with JC Penny 's was paid to a XXXX balance and account was closed by the order of the owner. While I was in debt consolidation Synch Bank/ JC Penny 's agree with XXXX XXXX XXXX XXXX company to take payments on credit card that was already paid and closed with a XXXX balance. I tried to contact JC Penny in regards to matter, they never would give me an answer. In retaliation for finding their fault, JC Penny 's now are reporting late payments on my credit report. When I spoke with XXXX ( agent ) from JC Penny call reference # XXXX he agreed that the credit card was totally paid off with a XXXX balance/and closed. XXXX could not confirm why JC Penny would cut a deal with XXXX XXXX to consolidate the debt.
Consumer complaint received 2024-11-03
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 am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of any information related to identity theft. 
Accounts to be Deleted : XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$6900.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$190.00} Inquiries to be Deleted : XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

I have disputed on multiple occasions with the CRA 's and directly to the creditor, XXXX XXXX. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$3000.00} limit, with having a past due balance of $ {$770.00}. That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 200 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a re-investigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However, XXXX, XXXX, and XXXX continue to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.