davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
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. (AZ)

I am writing to file a formal complaint against Transunion LLC Consumer Dispute Center regarding inaccurate reporting on my credit file. Despite providing evidence of the bankruptcy inclusion and discharge, TransUnion continues to report the account XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX as derogatory, misleading creditors and affecting my creditworthiness. 

Details : Account XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX included in bankruptcy discharged on XX/XX/XXXX. 
Formal dispute letter sent to Transunion XX/XX/XXXX along with supporting documentation. 

Requested Resolution : - Prompt investigation and correction of the account status to " Included in Bankruptcy '' or a similar designation. 
- Removal of any negative remarks associated with the account. 
- Written confirmation of the investigation and resolution. 

I believe this inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Enclosed are copies of the dispute letter and supporting documents for your reference. 

Please review this complaint and facilitate a timely resolution to ensure the accuracy of my credit report. 

Thank you for your assistance in addressing this matter.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2023 Equifax Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Notice of Dispute - Violation of FCRA Rights and Request for Account Removal To Whom It Concerns, I am writing to formally dispute the handling of my credit information by Equifax and to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. After reviewing my credit report, I have discovered that there is an inaccurately reported charge-off account from XXXX XXXX with the account number # XXXX. 
Under the FCRA, I have the following rights, which have not been adequately addressed in the handling of this account : 1. The right to an accurate and fair investigation : Equifax has failed to conduct a proper investigation into the disputed charge-off account, which is my right under the FCRA.

2. The right to dispute inaccuracies : As a consumer, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. This includes late payments associated with the disputed account. 
Based on the aforementioned rights, I hereby request that Equifax promptly removes the disputed charge-off account from my credit report, along with all associated late payments. I expect this to be done in a timely manner, as required by the FCRA. 
Failure to comply with my request and rectify the inaccuracies in my credit report may lead to further legal action to protect my rights under the FCRA. 
I have attached relevant documentation to support my dispute. Please review this information and take the necessary steps to correct my credit report accordingly. Thank you for your attention to this matter. I anticipate a swift resolution in accordance with the FCRA 's guidelines. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Firstsource Business Process Services, LLC (CA)

I, XXXX XXXX, approximately dated XX/XX/2022 was victimized of phone fraud and elderly abuse. I thought I was talking with XXXX XXXX  XXXX personnel, unbeknownst, to me, the caller was asking for my account information and balance, the caller stated that my account was charged {$18000.00} about child XXXX. The unknown caller further stated that he/she can assist me. I was so frightened and disoriented about the charges and such charges as this. The caller stated to further assist me I needed to go to certain places and obtain gift cards in varies amounts to further utilized my own credit card. I went to varies stores and I did exactly what the caller requested in amount of {$2000.00}, i scratched the cards and sent via image over the phone as they had requested. As i realized after talking with my son, I informed my son what had happened, frightened in my mind about the charges of child XXXX, I thought the police would show up at my door. I immediately went to the nearest police station and filed a report. I there after went to XXXX XXXX  XXXX only to be even more victimized. As of XXXX XXXX, I am now receiving debt notices from the collection agency, which XXXX XXXX XXXX XXXXXXXX apparently sold my personal data information.
Consumer complaint received 2019-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I was called by a chase bank representative on XX/XX/2019 at XXXX. This representative had given me a call to notify me of some fraudulent charges that were trying to be made, with that, they wanted to verify my account information so that they can close the account and issue a new debit card. So with that information being given from the representative, I assumed this would be safe also with the number not showing up as scam. So we proceed and I give the person my information needed to access the account, they said a verification text will be coming to me and to repeat the verification code, sure enough I got the code and gave to them, things still sound good. Then after about 30min being on the phone, they gave me two confirmation numbers to use to reference this call and that my account is closed and card will no longer be active and will be sent another card within 10 business days. All fine and dandy, til I never heard back from chase after the 10 days, I actually called within 5 days to  check in. Sure enough the chase representative says there was no call regarding this activity and that my account was still active and card was still active. Right away I knew this was a fraudulent/scam call and they got into my account and transferred {$1200.00} using quickpay to XXXX. I never signed up for quickpay nor did any transactions ever with XXXX. So Chase 's claim department denied the claim and I'm at loss of {$1200.00} to someone I have no idea who it is. Chase 's claim department says since my account was compromised and that I gave them my info, they can't do anything about it. This is total bs, I surely wish I knew, but when the scammer calls acting like a chase representative, knowing exactly what questions to ask and verifying them, why wouldn't I give them my info. If this is the case with all calls, then everyone would be a victim. In which I researched and sure enough this has been an ongoing fraud or scam going around, and chase chooses not to do anything about it. So i'm looking for help, my account is in the negative now because of this, many insufficient charge fees, etc. I've changed all pw, used virus scans, etc. and finally got back access to my online account and need this fraudulent transfer resolved. I'm now suffering because of this.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

This is in response to complaint number XXXX, filed against XXXX. XXXX  seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that XXXX  is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. XXXX  HAS NOT followed the law according to the FCRA by sending me this validation. Yet XXXX  only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
Consumer complaint received 2023-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a customer for XXXX  XXXX XXXX since XXXX. I have NEVER been late in my credit card payments, all my payment are current and paid on time. On XXXX, XXXX XXXX I called XXXX XXXX XXXXXXXX about a late payment reporting error took place, and advised me to reach out to the credit bureau agency who is reporting this error by mistake. I reached out to the credit bureau XXXX in this case and never received an update for more than 30 days now. I am asking for this late payment error to be removed.
Consumer complaint received 2023-07-26
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. (PA)

After multiple failed attempts Experian continues to publish erroneous information pertaining to my credit profile. I've been disputing accounts with Experian whom continues to respond that they have investigated my complaints which they claim are accurate and verifiable. I deem this information to be false based on the DELETION of the same accounts from other Credit Reporting Agencies. Per the Fair Credit Reporting Act all information must be 100 % accurate. This stands as a violation of the FCRA for multiple violations 15 usc 1681e ( b ) ( Accuracy of Report ) 15 usc 1681c ( 5 ) 15 usc 1681 ( b ) Reasonable Procedures 15 usc 1681 ( a ) Accuracy And Fairness Amongst other violations these inaccurate reports have negatively affected my credit worthiness.
Consumer complaint received 2023-07-26
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: Experian Information Solutions Inc. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2019-01-17
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ( XXXX  ) XXXX to whom this may concern My name is XXXX XXXX and I want to file a complaint against XXXX XXXX, XXXX. Experian because the information that they are putting on my credit report is not accurate and it's fraudulent.

I have been a victim of this crime twice and this time am fighting back am no longer going to allow the credit company to keep putting fraudulent accounts on my name with out proof it's me. 
I had a block put on my credit report many years ago so what am trying to understand is how do one have a block and still criminals still some how gets a hold to my personal information and open up fraudulent account with my driver license number and my social security number and how do they get this information it baffles me every time. I lost my driver license back in XX/XX/XXXX in XXXX XXXX when I went there to visit my mother but I never thought nothing of it until I look at my credit report and saw all that fraudulent stuff on it and I made call to each and one company and nothing has been done. I even call the account holders about the account and they told me it was in my name my I.D . and my social security and there is nothing they can do about it and am not going to stand for it no more longer. it's there job to keep that fraudulent mess off of my report and if I have a block I should of been notified when account were open in my name but I was never notified about anything and when I look at my report I just seen so many fraudulent account so many different ways of my name and many address that I never live at ( like XXXX XXXX ) I never live in XXXX XXXX in my life and when I told them they did nothing about it. 
then they had a address that was a XXXX XXXX and how I found that out I live on XXXX  and when I saw the address I went to it and it was a close XXXX XXXX and I fall to the floor when I seen that.

so now am more convince that the accounts on my report are fraudulent and that's not right for some one to open up account in my name when I have a block on my name. 
I want all those fraudulent account remove from my credit report because I no nothing about any of those accounts the only I want is my name right and not put something on me that I did not do. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

XXXX XXXX sent a notification saying my credit score changed. When checking the credit score, it stated on XX/XX/2019 I had two hard inquires from XXXX XXXX and XXXX XXXX XXXX XXXX . The issue is that I have a cell phone however I am not the primary on that account, so requesting an inquiry for two different companies does not make sense. Please advise on how to handle this situation. 

Thank you XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to LVNV FUNDING  which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all XXXX credit reporting agencies or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2024-10-23
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. (GA)

I am filing this complaint to inform you that Equifax has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to bully me I will not stand for it I HAVE RIGHTS!!!

this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Consumer complaint received 2019-01-10
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is reporting an incorrect account status remarks from Capital one. Capital one should be reporting the following account status remarks " Disputed '' Capital one is currently reporting account status remarks Charged off account Account closed by credit grantor. Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from Capital one.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (MA)

Got three unauthorized transactions from XXXX XXXX XXXXXXXX debit card through Remitly : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for Remitly. Remind employees said they are the third party merchants so they refuse to refund me and the person who told with me firmly claimed that it is none of your business. But I also received another email which state that the fraud transactions with small-amount would be settled back to my back account
Consumer complaint received 2023-07-27
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. (DE)

The following accounts have violated my rights according to Fair Rights Credit Reporting Act. According to laws 15 USC 1692 B ( 2 ), 15 USC 1692 B ( 5 ), 15 USC 1692 C ( A ), 15 USC 1692 D ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I received a wire of XXXX dollars from XXXX XXXX. She owed money to a friend of mine that asked if it could be placed in my account. I told my friend ok an I would give it to them. XXXX XXXX sent the money herself. Now I get a call yesterday XX/XX/24 from someone in the fraud department from wells Fargo claiming I commited fraud when I did not. XXXX put the funds in my account on her own. I should not be penalized for her claiming she did not authorized the transaction when clearly she did. Now my account with wells Fargo that in just opened is going to be closed leaving me with no access to my own money. Which is not fair what I do with my own money is no ones business. The lady who called me claims I scammed XXXX which I did not. Please help me reverse this. I can't open any bank accounts withother banks because of this
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I obtained my XXXX  and Experian credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. XXXX  and Experian has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. Experian sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.
Consumer complaint received 2019-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I mailed my monthly payment of {$280.00} for my auto loan. When I called the bank to check the statues on my account in XXXX, the told me, they have received my payment for XXXX, and my next payment was due in XX/XX/XXXX. After I mailed my XXXX payment on XX/XX/XXXX, they told me they did not receive a payment for XX/XX/XXXX. Now they want me to pay an extra {$280.00} for the month of XXXX. The name of the bank is called BBVA Compass bank.