davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

Received the debt collection notice from the CBE group Incorporated XXXX XXXX XXXX XXXX 

It states I owe XXXX {$3300.00} and I have not used XXXX and at least 15 years. Made some phone calls and I just get a runaround and they're asking me to purchase XXXX gift cards to be able to resolve this collection issue which to me sounds a bit off. I have not used XXXX I think this is 100 % fraudulent They gave me a reference number of XXXX XXXX XXXX
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

So I had filed for Bankruptcy Chapter XXXX on XX/XX/XXXX and then it was dismissed by the courts on XX/XX/XXXX due to failure to appear in court, but it was actually because I was in the process of having an attorney help me and I had filed the wrong information and needed help so they wouldn't let us use my original case we had to open a new one, so the court automatically closed it due to non appearance. The second one was opened XX/XX/XXXX and closed on XX/XX/XXXX. Both of these cases were not finalized and finished through the court system meaning where the courts discharged my bankruptcy and I had to pay anything or they paid any of my creditors. These bankruptcies were not finalized and finished therefore they should not exist on my credit reports since we didn't follow through with the actual BK. I should not have to suffer with a BK public record when we didn't even finalize anything and go through with the actual BK. Please have these both removed from all three of my reports. I have my documents if you need them to show the dismissal was on my end not the courts end and that there was nothing finalizing the actual BK Cases. Case numbers XXXX XXXX This is all through the Arizona Bankruptcy Courts and I have reached out to XXXX, XXXX and Transunion and nothing has been removed.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Consumer complaint received 2021-11-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (MS)

on XXXX XXXX, I sent CREDIT COLLECTION SERVICE a letter about a error concerning a alleged debt of XXXX. I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$140.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-11-05
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. (NC)

I got a letter from TRANSUNION dated, XX/XX/2021, stated We received the identity theft block request you recently sent to TRANSUNION. However, TRANSUNION at this time declines to block the information you have identified for one or more of the following reasons : a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/or c ) you have obtained possession of goods, services or money as a result of the transaction issue. So, I sent TRANSUNION a cover letter stating, If I received goods or services, please have a senior executive certify under the penalty of perjury I received goods or services as a result of these transaction pursuant to 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ), certified mail. I included an identity theft report, for the 3rd time, an affidavit of truth, two forms of ID, and a bank statement. TRANSUNION received all of this on XX/XX/2021, at XXXX XXXX  Eastern time. I will provide the documentary evidence as well. Today, XX/XX/2021, I checked the dispute results and TRANSUNION stated the item would remain because it has been verified. This is inaccurate because all of the accounts Ive listed are apart of identity theft. I never gave my consent to have any of this. Also, nothing under 15 U.S. Code 1681s-2 ( 7 ) ( A ) requires negative information to be furnished to a consumer reporting agency. What is required by a furnisher is to report 100 % accurate information if the company engages in the act of reporting information to a consumer reporting agency. To misconstrue the requirements of reporting accurate information with the non-requirement to report negative information is a direct violation of 15 U.S. code 1681s-2 ( 7 ) ( E ) and constituted my information being reported without lawful authority.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Credit score went down significantly although nothing changed on my report. I called Experian and spoke with representative XXXX and asked for an explanation as to why the company took such a large number of points from my score and continue to take points. His response to me was that the company can not give me an explanation. 
My email address is XXXX XXXX
Consumer complaint received 2021-11-05
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 have disputed these 4 accounts straight thru conns home appliance and the bureaus numerous times. The bureaus have failed to delete these 4 accounts and continue to report inaccurately and have violated my rights for over a year. I tried to get this resolved with XXXX  with conns and to no avail. XXXX  is reporting a past due balance on all 4 accounts. nevermind the fact that i sent the settlement amount they last requested and they didnt mark it as settled, they in their own words have sold these 4 account balances to other companies but continue to report past due amounts on all 4 charged off accounts which violates double jeopardy rules. The 3 bureaus continue to side with Conns and not properly investigate and delete as these are FCRA violations. Please see the attached XXXX  investigation response from conns showing these 4 accounts have been sold. Please also see the 4 accounts showing past due balances on accounts they do not own anymore ( PER THEIR WORDS ). This exact dispute was sent to all 3 bureaus and " verified ''. Who is on the consumers side when actual violations happen?
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (TX)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2021-11-05
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. (GA)

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy was not deleted from my credit report. 

Additionally, XXXX has publish documentation on their website confirming that they provide your company, Transunion, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file.
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

Chase Follow Up XX/XX/XXXX XXXX EST Contacted Chase at XXXX. No option to speak with someone about my account. The wait time was over 2 hours, so I requested someone call me back. Still no response. 
The number provided is the same number I have called in the past, and been transferred multiple places with no assistance. Given I have not been able to resolve this issue over the phone either in the past or this morning, I would prefer someone from Chase contact me at the phone number listed on my account to resolve this issue. 

Reference : Complaint XXXX
Consumer complaint received 2021-11-04
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. (TN)

AFTER FURTHER REVIEW OF MY CREDIT REPORT, I HAVE NOTICED SOME ACCOUNTS THAT I HAVE BEEN AFFILIATED WITH. I DID NOT AUTHORIZE ANY PERSONS TO USE MY INFORMATION FOR THESE ACCOUNTS AND WHAT HAS BEEN RE-REPORTED TO THE BUREAUS AND IS NOW ON MY CREDIT IS 100 % INACCURATE. PLEASE ASSIST WITH DELETING THIS ITEM EXPEDITIOUSLY AS I AM NOT THE PERSON AFFILIATED WITH THESE UNKNOWN VENDORS.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Between XX/XX/XXXX and XX/XX/XXXX a series of about 24 transactions totaling over {$10000.00} occurred on my Wells Fargo Debit card ending XXXX. I filed a claim on XX/XX/XXXX and found it was denied on XX/XX/XXXX. Claim number was XXXX. The majority of the charges were only discovered after seeing a series of 4 charges on the XXXX each for {$500.00} from XXXX which I do not use at all. I then went through my history in detail to see if anything else was suspicious and noticed numerous online merchant charges not made by me across these months from merchants in XXXX and other overseas locations. I have never used or interacted with any such merchants before and I have had claims in the past that were approved for similar if not the same international merchants. But this time they just denied the claim and as a result, I am unable to pay for anything since I am out so much money now. The merchants charged my card internmently and in amounts in the low hundreds to high hundreds and all accross this broad date range and since I hadn't made it a habit to check every day and since I never received alerts or text notifications, I never spotted the fraud. Wells Fargo claims it's consistent with my pattern of use but it definitely isn't since I have successfully complained about such charge types on previous accounts with them and they say some of them require one time passcodes sent to my number to work, but I never received any passcodes. Most likely my card info and phone was leaked online and probably the texts were being sent in some way that masked the number as my number and so i never actually received those texts if that is what happened. I am the victim of large scale fraud, and I demand an appeal of this and refund of my money to my account. The suffering here is real and I can't let this go.
Consumer complaint received 2021-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

At the time my card info was stolen, I was in between living situations and found myself in a undesirable position of having to file a police report against a person that at the time I thought was helping me out when nobody else would. I reviewed my transaction history after about a two week period I realized some of my funds might be missing or inaccurate charges were possibly being made. On XXXX XXXX, i filed a claim dispute against several charges i did not authorize. I no longer had the card in my possession which is why i decided to file a report and open a dispute claim for the unauthorized transactions and to report my card stolen. I went over all transactions with a wells fargo claim specialist who advised me to add all transactions i did not authorize and right away noticed that a few of the unauthorized transactions were already closed and removed from my dispute before the investigation was complete. I worked with every dispute specialist i talked to and folliwed all the directions given to me to resolve my claim but in the end mt claim was closed and denied without any resolution as i never recieved my stolen funds back nor did i ever recieve the reasons why wellsfargo felt that i wasnt owed back any money that has been stolen from me. Ive contacted wells fargo several times and still have yet to actually resolve my claim and get my money back. My account is still open but only until i get reimbursed my funds. The amount in unauthorized transactions nearly amounts to {$1700.00}. Please help me figure this out losing that money has putme back quite desperate for a resolution i can agree too.
Consumer complaint received 2021-11-05
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: Experian Information Solutions Inc. (FL)

After two weeks I continue to receive the INCORRECT CREDIT SCORE. A score which is NOT reported to lenders. This is a major financial impact because it misleads and DOES Not represent the entire story.bl frankly in my opinion by hundreds of reports filed this is a deliberate falsehood that continues to be propagated and allowed by you. You do Not even read XXXX on these complaints you merely immediately forward them to the agencies for THEIR UNRESOINSIVE REPLY. THEN CLOSE the report upon receipt doing NOTHING. It is indicative of who you truly are NOT who you claim to be. Here is the proof once again ... XXXX Learn more Experian Data XX/XX/2021 XXXX Fair XXXX See all 3 Bureau FICO Scores Credit Usage 97 % Total Debt {$160000.00} Open Accounts 6 Inquiries 70 ... yes and the inquiries mount and they will reply DUPLICATE ... OF COURSE -HUNDREDS FILLED UNTESOLVED. YES BY OPINION OF EXPERIENCE a great sham.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/XXXX I received in the mail a letter from midland credit which mentioned legal action could be the next step multiple times. This is the second letter I have received from this company, the other one was very vague and looked like a scam. 

This letter received yesterday, was dated XX/XX/XXXX. It does not have a postmark on it and was delivered on XX/XX/XXXX. It demands a reply or payment by XX/XX/XXXX. 
I receive delivery notifications by USPS through my email and have attached that notification in which an image of the envelope was shown in an upcoming mail delivery preview for XX/XX/XXXX. 

I believe this company is engaging in tactics that violate my rights. I have still not received a validation letter in the mail after initially requesting one months ago after receiving one letter with limited information from this company. 
I am again requesting debt validation by mail today and have attached those documents.
Consumer complaint received 2021-11-04
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. (VA)

Transunion, XXXX, XXXX Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Consumer complaint received 2021-11-04
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: Nelnet, Inc. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-02-01
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: DISCOVER BANK (UT)

Im a 100 % XXXX veteran. I opened a discover account from a mailing advertisement. 
Not long after having the account I found transactions from a prepaid cell phone company, no one at discover card could help me so I canceled my card and had them issue me a new one and started disputes on the fraudulent charges. Even after changing cards Discover still allowed fraudulent charges on my account it was unstoppable I had no place to go but except paying {$65.00} a month for something I never authorized. After disputing them and having issues doing it I closed my entire discover account and Im not going to be a customer of theirs ever again. But now theyre sending me letters theyre crediting me for some of the monthly fraudulent charges but yet saying some of them theyre going to call valid because I closed my account. This is pure fraud on somebody with XXXX.