davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written XXXX XXXX on several occasions via certified registered mail requesting that they validate the alleged debut. XXXX XXXX has yet to supply me the information requested.I am an XXXX XXXX XXXX with the XXXX XXXX. I was XXXX with my platoon on XX/XX/XXXX and only return XX/XX/XXXX. How can I have signed a lease with XXXX XXXX apartments per the name listed on my credit report. I XXXX the company and filed a complaint via the XXXX XXXX XXXX via complaint number XXXX. I received the following email from the company 's contact persons by the name of XXXX XXXX. Stating she would make sure that the item was removed as she agrees with the documents submitted that this was an error on their parts.This was XX/XX/XXXX. Yet I am still seeing this item on my XXXX, XXXX, XXXX reports. Under the laws of the FDCPA, I have contacted the collection agency ( as well as the originator per my credit report ) myself and have been unable to get them to verify that this is indeed my debt. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and has surpassed the 30 day validation mark. I urge you to remove this item before I am forced to take legal action.So my question to XXXX, Transunion, and XXXX is " what was used to validate this debut in order to add this to my profile when the company is stating it should be there? '' I am giving you all 7 business days to remove this from my credit profile.
Consumer complaint received 2023-10-25
Product: Credit reporting 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. (TX)

I sent a certified letter to TransUnion and XXXX XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XXXX XXXX in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXX Account # XXXX charge off date XXXX XXXX XXXX  Partial Account # XXXX charge off date XXXX XXXX XXXX Appliances partial account # XXXX Charge off date XXXX XXXX However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. 

In addition, I did not give TransUnion or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXXXXXX XXXX XXXX # XXXX Closed Accounts XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-10-25
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. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Accounts : XXXX XXXX XXXX # XXXX Closed Accounts : XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I opened a business account. Account # XXXX in the name of XXXX XXXX XXXX XXXX at JP Morgan Chase Bank On XX/XX/2023 I deposits a official cashier check from XXXX XXXX  in the amount of XXXX they put a deposit hold on there until XX/XX/2023. On that day I went to make a withdrawal and and my card declined so I stepped into the branch and they told me my account was restricted and that they was in the process is closing my account and the reason they gave me didnt make any sense and its been almost a whole 2 months and I havent gotten this situation resolved because every time I visit the branch they give me a different reason why my account is closed and my funds are restricted I provided all necessary documentation and receipts and still they refuse to either reopen my account or send me my funds back to me. I spent countless hours on the phone talking to representatives and going back from the issuing back to chase bank to try to resolve this matter and still havent gotten anywhere I have all receipts and transactions receipts from XXXX XXXX  issuing me a cashier check in the amount of XXXX to me opening business account at Chase and to me making the deposits at the branch.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (TX)

To Whom It May Concern, I am writing to express my profound concern regarding the assessment of my credit profile and the unprofessional behavior I have encountered from your representatives. Despite my diligent financial management and a strong credit history, it appears that my credit profile does not accurately reflect my financial responsibility. 

Here are the specifics of my credit situation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Throughout my credit history, I have NEVER had any derogatory marks, late payments, or collection accounts. Every account has been managed positively. 

Furthermore, I have made multiple attempts to address my concerns with your representatives. However, I have been met with dismissive behavior, including being hung up on multiple times. I can not help but feel that this treatment is due to XXXXXXXX XXXX  as I am XXXX. Such behavior is not only unprofessional but also discriminatory. 

In light of the above, I would like to draw your attention to the Equal Credit Opportunity Act ( ECOA ), a United States law that prohibits creditors from discriminating against any applicant based on race, color, religion, national origin, sex, marital status, age, or use of public assistance. The ECOA mandates that all applicants should be treated fairly and without bias. Given my credit history, financial standing, and the treatment I have received, I am deeply concerned about potential violations of the ECOA. 

Based on the principles of the ECOA, I believe I should have fair access to credit and should not be unjustly denied or provided with unfavorable terms. I request a thorough review of my credit profile in light of the ECOA 's provisions, an investigation into the behavior of your representatives, and an explanation for any discrepancies. I have always prioritized my financial responsibilities and expect my credit profile and interactions with your representatives to reflect the same. 

I urge you to rectify any potential violations of the ECOA, address the unprofessional behavior of your representatives, and ensure that my credit profile is a true representation of my financial history and responsibility.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

I have sent NFCU a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to NFCU and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to NFCU.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I owe debt but not to these companies, They scammed me into taking my account number and routing number for payment. They owe me money. 

XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (AK)

The company ( XXXX  Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Consumer complaint received 2018-04-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Onity Group Inc. (MA)

me and my XXXX sister are being targeted for eviction by XXXX XXXX XXXX XXXX XXXX for a mortgage debt thats not ours, they falsely put mine and my sisters names on a couple of notices to quit when technically it should have been my mother whos name is the only one left on the mortgage bill, they are working exclusively with ocwen who have actually defrauded my parents, they are terrorizing my sister who again is XXXX and is terrified that she's losing her home because of these scam artists i want them shut down and any entity that is associated with them.
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Financial Bank in XXXX, Florida incorrectly lists 2 Care Credit accounts on my credit bureau reports. I had one account only. It was opened on XX/XX/XXXX. 
The account number begins : XXXX They transferred this account number to another office and closed it when they did this. 
After that, a duplicate account was opened in XXXX of XXXX. 

Synchrony Financial Bank should never have opened the second account and it needs to be deleted from my credit files with XXXX, XXXX, and XXXX XXXX credit bureaus. 

I did not need another account, I just wanted the original account from XX/XX/XXXX, to stay open. 

I did not give them permission to close my original account and open another one! 

I should only have one account, the one from XX/XX/XXXX, listed on my credit bureau reports. 

I did not give them permission to transfer my original account to another office and close the account.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe (GA)

I received an alert from XXXX  that a new account was reported to my credit report negatively. This account is not new! Im addition this account is with a collection company that is collecting on behalf of XXXX. I am in an agreement with Conserve however XXXX is reporting the debt and not conserve. I have been in the agreement with XXXX only a couple months and have paid as agreed. XXXX have report no payments but states on a recorded call that I recorded they have received the payments but refuses to show the payments being made. When they reported the account they did not report the correct amount. I dont care if I pay them {$2.00} a month they have gotten on my XXXX nerves for this {$2.00} XXXX dollars they are going to report it! I refused to let them reage an account illegally and as well show inaccurate information
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Citi sent a promotional e-mail for my XXXX XXXX XXXX card on XX/XX/XXXX with a subject line of " Don't forget, XXXX, starting next month you'll earn more at restaurants and gas stations ''. I did not read the e-mail and deleted as I don't typically read promotional e-mails. 

On XX/XX/XXXX Citi sent a second e-mail which stated " Corrected subject line : Don't forget, XXXX, starting XX/XX/XXXX, you'll earn more at restaurants and gas stations ''. When I saw " corrected subject line '', I decided to open the e-mail and see what the e-mail was in regards to. There are two pictures and three paragraphs which refer to earning 2xs miles at restaurants and gas stations and a {$100.00} flight discount, among other things. Some of the text is bolded and some information was included in large red boxes. However, when you scroll to the end of the message, in the very last paragraph, with text that is NOT bolded or in a red highlighted box, they disclose the annual fee will be increasing. 

This seems like the definition of deceptive. The increased fee should not be buried in the bottom of a promotional e-mail after the new benefits are highlighted, which is not in the same font/size as the promotional information, and the subject line does not reference the fee.
Consumer complaint received 2017-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (LA)

Someone broke into our business email account and sent our customer fraudulent ACH transfer instructions. They requested our {$250000.00} payment be changed from a check to an ACH payment at a Wells Fargo bank with a fraudulent account. The instructions stated our business name on the account, but when we called Wells Fargo, they said that our business name was n't the name on the account. We asked them why they accepted funds into this account with improper instructions and they told us to contact their legal department. They will not give us any additional information
Consumer complaint received 2018-07-21
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. (MI)

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXXXXXX, XXXX XXXX MI XXXX. 

THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. 

I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. 

THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. 

MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE.

SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesXXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off/Never late. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$5100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$12000.00} Terms 1 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

On XX/XX/18 I called and was told I would receive my card yesterday XX/XX/2018 I call and ask where my card their response is no one ever marked it as such after speaking to five different ppl, its ridiculous
Consumer complaint received 2018-07-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

on XX/XX/2018 i sent a wire transfer to a bank for {$4500.00} to help a friend with travel arrangements the beneficiary was the travel agency. my bank in hawaii and XXXX XXXX XXXX have traced the wire transfer to the beneficiary.that the wire was complete however the travel agency is saying the bank did not receive the funds. I have all the files regarding this transaction as well as all the evidence showing the wire was complete. I have tried to e mail it to you as well as faxed it but I have not heard from you confirmation that you recieved it. Could you please HELP me??????
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I received an offer in the mail to settle my Capital One Account. I contacted the collection company and spoke with a Supervisor with the collection company and Capital One who advised that if I paid the account off the same day for the agreed upon amount that both the collection company and Capital One would totally remove the debt from my account as a good faith removal. I paid the agreed upon amount and received a receipt. However, Capital One has not held up their end of the bargain. It was not beneficial to pay the debt for the charge to remain on my credit as this is still destroying my credit. I reached out to Capital One and even sent a letter to them regarding this reporting still showing on my credit ; to date they have not been responsive. Any assistance you can provide to ensure Capital One is being held accountable for what they told me would be greatly appreciated.
Consumer complaint received 2018-07-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Consumer complaint received 2018-07-21
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: Bread Financial Holdings, Inc. (OR)

XXXX XXXX reported that I opened a credit card account with them on XX/XX/18 which is a very generic date ( people don't get everything done on XX/XX/XXXX, so this date is obviously fraudulent ). I've never done any business with XXXX XXXX and when I disputed this information with XXXX TWO TIMES they did not remove the account from my report even though I didn't open this account. I have been given no proof that I opened this account, probably because I don't didn't, and any proof would thus be fraudulent.
Consumer complaint received 2023-10-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NC)

Despite multiple notifications to Equifax regarding the constant reporting of an incorrect amount owed by XXXX XXXX - XXXX, the issue persists. I have repeatedly informed Equifax that I have never made direct payments to XXXX XXXX. Instead, I make payments to the original creditor, XXXX XXXX, for which I owe only {$300.00}. Any medical debt under {$500.00} should be promptly removed from my credit report. Please refer to the attached recent bill from XXXX, which clearly indicates a balance of {$300.00}. 

Failing to rectify this account after being informed of its inaccuracy would be a violation of my rights under the FCRA. Enclosed, you will find copies of the bill showing a {$300.00} balance owed. 

I'm also attaching proof that Equifax is allowing the reporting of the balance owed to constantly be increased and decreased. It is now increased to showing over {$600.00}.