davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.
Consumer complaint received 2023-08-07
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. (FL)

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Consumer complaint received 2023-05-15
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-07
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. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2023-05-15
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. (CA)

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX Balance : {$710.00}
Consumer complaint received 2023-08-07
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-15
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. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW ACCEPTANCE LLC (IL)

On XX/XX/23 I went to try to get an auto loan. My XXXX  was ran and the agent stated it shows I never had a auto loan paid off. I paid the car off XX/XX/23.
Consumer complaint received 2023-05-15
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. (FL)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Inquiry : XXXX 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 XXXXInquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXXXXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX Balance {$4500.00}. 

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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-15
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

I had a balance of {$5400.00} when I unfortunately had to file for bankruptcy back in XX/XX/XXXX. This account was not included in the bankruptcy -- I paid the entire amount owed ( {$5400.00} ) per XXXX XXXX 's instruction - {$170.00} for 30 months -- this amount was marked paid in full. Reference no. XXXX -- please update my credit report to reflect the correct information -- thank you!!
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I sent an investigation request to Transunion regarding 8 accounts that should not be reporting on my credit report any longer, These accounts have passed the legal statutory time that they should be reporting on my credit report, they are intermediate accounts which means they are closed and paid in full. They are over 7 years old. 

Furthermore, the accounts are enrolled in the Dept of education XXXX XXXX program which states This program eliminates the negative effects of default for borrowers with defaulted federal student loans. Credit Reporting Features and Protections Due to the Fair Credit Reporting Act, loans that have been delinquent for more than seven years generally do not appear on credit reports produced by credit reporting agencies. To ensure the maximum opportunity for borrowers with eligible defaulted federal student loans to get a fresh start, XXXX will delete reporting about loans that have been delinquent, even if the borrower enrolls in a repayment plan through the XXXX XXXX initiative ; report all other defaulted loans to credit reporting agencies as current and not in a collection status ; and use a loans original date of delinquency if borrowers become delinquent or go into default again after this XXXX XXXX opportunity, which will not reset the seven-year timeline for a borrowers credit report. 

PLEASE REMOVE THE EIGHT ACCOUNTS. AS THIS IS PART OF THE FRESH START PROGRAM TO NOT REPORT COLLECTION OR DELINQUENCY. 

I have included all supporting documentation
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We were to receive a wire for the purchase of products from us for the amount of {$60000.00}, on or around XX/XX/2014. The bank checking account through Wells Fargo was XXXX, under the name XXXX XXXX XXXX XXXX. We checked with the bank the day before the wire was to be received to make sure we had the correct information and that the account was in good status to receive. The follow day the wire was sent, but Wells Fargo then closed the account, with no reason. The account had been open for several years before hand, had no reason for closing and we do not see any reason for the account closing. Also the following day after the money was sent the bank could not give us a reason why it was closed. We received conformation from the sender XXXX XXXX that it was sent, and confirmed from his bank. It took several days for the bank to refund the money to the sender but would not let us received the funds, or reopen that account. We were told we had to open up new accounts and have them resend the funds. At this point the sender was not interested in resend and we lost our on the {$60000.00} sale with no explanation on how or why this happened from the bank. They tried to say that it was due to inactivity, but there were other transactions just two weeks before that.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is showing my credit score at XXXX. XXXX XXXXXXXX credit card was closed due to me being reported as deceased. I am unsure if this had anything to do with XXXX XXXX.
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NM)

Someone opened a credit card account and it popped up on my credit report. Account opened XXXX, JPMCBCARD. XXXX {$2800.00}, want account frozen and person found.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

XX/XX/XXXX Ocwen XXXX Department PXXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Re : Mortgage number XXXX This letter is to reiterate a challenge with the taxes on our property located at : XXXX, XXXX, New Jersey XXXX. 
We have XXXX lots of land with this property. When purchased in XXXX and since the inception of our mortgage, we have always had our taxes, insurance and premium combined in one payment. I realized a couple months ago that one of the properties taxes has not been paid for quite some time. We did contact the XXXX borough and Ocwen and we can not decipher where the problem began, what changed or more importantly how to rectify the problem. 
Seemingly, something happened ( not initiated by me or my husband ) where the taxes has not been paid or received by the city borough. Therefore, we feel it 's incumbent upon Ocwen and the XXXX to figure out what went wrong, when and resolve the matter. We have paid the mortgage amount given us with the all cost included and there is no way for us to figure it out. Since the XXXX and Ocwen have been exchanging funds, maybe you can find out when the amount changed and why. If there is something we can do to facilitate your research, we will be more than willing. This letter is being sent to all parties concerned, the FTC and CFPB. 
Please let 's all get together in some manner to figure this out without putting the full responsibility on my husband and myself. 
Respectfully yours, XXXX
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I received a notification in XXXX that a suspicious charge had appeared on my Sears/Citibank XXXX. I called the company and confirmed that I had not used the card since XXXX. They closed out that card and issued a new card. That number was also used fraudulently. Another card was issued and the same thing happened. I called again and was told that hackers get the card numbers from merchant databases. I explained that I had NEVER used those two cards, and that the fraud had to be coming from within their company. The third time I called, I asked for the account to be cancelled and all charges reversed. I was told I would receive a new card and I said, " You do not understand me. I do not want a card. I want the account closed. '' They apparently opened a new card number, and someone is again using it. I followed up with a letter dated XXXX XXXX. I am getting billing statements for these fraudulent charges and now the overdue status has hit my credit report.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

There were 3 charges on my CapitalOne/Walmart Mastercard that I did not make nor did I authorize anyone to make.The dates of said charges XXXX, XX/XX/XXXX and XX/XX/XXXX, the amounts were exactly the same on each charge, that being {$300.00}, for a total of {$910.00}. I notified XXXX XXXX, within 24hrs, via phone, once i observed these charges. Each time I was advised that they would investigate and advise and it could take up to 90 days to complete the investigation. I was given a reference number of XXXX which refers to the store the charges were made at, which turnes out to be Walmart in XXXX, Oregon. Also, one of the customer service people told me it also refers to what was purchased, which he said were tennis rackets from XXXX XXXX, Qatari phone # XXXX. Eventually, I filed a police report with XXXX XXXX XXXX XXXX, Deputy XXXX XXXX XXXX XXXX. He advised that due to this being international ( XXXX  ) they were unable to investigate and suggested I contact CFPB, this occurred on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX, I again contacted CapitalOne fraud department asking what the outcome of the investigation was. I spoke with XXXX who transferred me to XXXX at XXXX. She stated she would open a new case, I was to destroy my current M/C and a new one would be sent and a credit would be issued for the {$910.00}. Case # XXXX was assigned by XXXX. Within an hour I received 3 emails from CapitalOne, ( all three are attached to this complaint, in addition a second page of each email included the XXXX unauthorized charges and merchant name ) On XX/XX/XXXX at XXXX I once again contacted CapitalOne asking why the fraudulent charges had not yet been credited to my account and spoke with XXXX XXXX who would transfer me to XXXX XXXX XXXX, she then transferred me to XXXX XXXX XXXX XXXX who transferred me to XXXX. I was advised by XXXX that the charges were valid and no credit would be issued! I asked why, then, had I also received an email stating the charges were fraudulent and I would be issued the credit. She couldnt answer that question and put me on hold. I waited 45 minutes on the phone then disconnected. 
Please help me as Im XXXX yrs old and live on a fixed income, this event has me devastated and fearful I will be cheated out of {$900.00} I dont have. 
Thank you