davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : 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 2017-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P. (FL)

Dear Credit Protection, This letter is in response to your collection on my credit report which was opened on XXXX XXXX, 2012. Since the amount is so small, I wish to save us both some time and effort by settling this debt. 
Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 
I am willing to pay [ this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within ten calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {$120.00} payable to [ Credit Protection in exchange to have all information related to this debt removed from all of my credit files.

If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of Credit Protection. The letter will be treated as a contract and subject to the laws of my state. 
As granted by the Fair Debt Collection Practices Act
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
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. (FL)

I received a response from Transunion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. ( XXXX XXXX ) XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct. So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I realized after logging into my Chase online banking that one of the balances in my accounts was lower than it should have been then opening that account I realized a wire in the amount of {$160000.00} was sent to an account within XXXX XXXX XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX located in XXXX Arizona. This is a company I do not know nor did I send the wire. I immediately went to Chase and changed all of my bank accounts and cancelled any online access to ensure nothing else could be taken from the account. I then find out within 48 hours that my cell phone has been hacked and the date it was hacked was XX/XX/XXXX the same day the monies were wired out from my bank account. It just so happens this was the same day that I had downloaded a mobile application from XXXX which I signed up for to protect me against Identity-Theft strangely their headquarters is located in Arizona the same place my monies were stolen from me and sent too to a corporation XXXX XXXX XXXX XXXX is also located and was formed a month prior to this all happening to me. I dont believe this was all a coincidence. Somehow me signing up with XXXX started a chain of events which ended in someone stealing my identity and wiring money out of my bank account. These monies have not been replaced and I after filing police reports, reporting with the FTC and DA And Chase Fraud department I still feel like no one is really helping or giving me any answers. No one can tell me anything except sorry we have done all we can do.. Tis is not an acceptable answer when monies that have taken me years to save up are now gone from my bank account.
Consumer complaint received 2017-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS.  Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call  center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I applied at the university of XXXX and decided that with schedule and time constraints I would n't be able to finish the semester. I had a balance on my account. They reported it as a loan. I have never had a loan nor have I ever signed loan documentation with this establishment. They went as far as to fictitiously set up a payment amount that I have been missing and place that I 'm my credit report. Is this legal? I called and spoke with XXXX XXXX and she said that this is just their billing practice and she would not remove it from my credit report. I said but this is a lie, I do not have a loan with you ''. She then spoke with her supervisor XXXX XXXX and she said the same thing. Even though you do n't have a loan with us we report it like this to the credit bureau 's and the payment amount is 10 % of what you owe us, even though you did n't agree to this this is our practice. I was then referred to their billing company Heartland, I paid the balance in full. I just want the inaccurate information removed from my credit report and hopefully their billing practice changed. This should be illegal for them to report in such a manner.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance wit the fair credit reporting act 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 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 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction.
Consumer complaint received 2024-10-28
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. (NC)

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account # : XXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$220.00} XXXX XXXX Account number : XXXX Balance : {$810.00}
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (IA)

The account was opened XX/XX/XXXX with XXXX XXXX XXXX by my then fiance without my knowing and i had no clue that the account was opened until after we were divorced in XX/XX/XXXX and i found out after the dissolution was made. The file was sold to Midland Funding LLC and i never received notice that it was in debt of {$720.00} and now being sued
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc. (FL)

Issue # 1 : Experian Accessing my Experian account online. Recently my account was hacked again as when I try to login, the system keeps provided the number XXXX, that has been reported hacked, while in XXXX, NY to the Police department, Experian and the other related services. So I am unable to check my credit report, gain credit increases as this account is the main one use by financial institutions. My contact number is XXXX. 

Issue # 2 : XXXX Account Similarly I can not gain access to my XXXX mobile account. The issue was reported to XXXX several times via phone without proper resolution, the old number is used to confirm or validate this account.

Both accounts numbers were changed by myself more than over a year ago in XX/XX/year>. Thanks in advance for your assistance in getting these issues resolved, your office has been very helpful. 


XXXX XXXX
Consumer complaint received 2024-10-28
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. (NC)

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX Account XXXX XXXX XXXXXXXX To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

I currently have a Citibank credit card. I had the usual no interest for the first year. I unfortunately didnt pay it off prior to the year end. That was XXXX. I am still getting charged XXXX dollars a month, or more, on purchases made prior to XXXX. This is going on nearly 4 years. They also charge me another XXXX dollars per month for regular purchases. At the most, I expected a year of paying the price for not paying off my debt from XXXX. This makes it almost impossible to keep the limit down.
Consumer complaint received 2017-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (CA)

OnXX/XX/XXXX my bank debit card was charged for {$99.00} for an app called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I did not authorize this purchase nor do I use this app for any purpose. I requested to have the funds refunded and the company wrote this to me : Hi, We received your refund request for XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), but we ca n't provide a refund for this purchase because it does n't meet with our policy. We apologize for any inconvenience caused. 

You can learn more about our Google Play refund policies here. 

If you 're requesting refunds for an app ( or in-app purchase ), it 's best to get help directly from the app 's developer. You can find developer contact information on the app 's page in the Play Store under the " Developer '' section or on your order purchase receipt. 

To prevent accidental or unwanted purchases in the future, we recommend that you turn authentication on or change your password. 


Thanks, The Google Support Team
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (IL)

ACS, the student loan company is reporting my loan as past due for the months of XX/XX/XXXX and again for XX/XX/XXXX. Payments for both months were made in a manner that would ensure the payments would be made before their 2 to 3 day processing period. The payments, however, were never posted and the student loan company proceeded by reporting me and damaging my perfect credit standing. Calls to the company go unanswered and my credit disputes are never resolved.