davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
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. (LA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file. 

This item XXXX  APP is inaccurate incomplete and inconsistent because balance owed and payment history within 24 months are different with both XXXX and Experian I have sent in disputes requesting the CRAs to validate the information and delete the information that does NOT MEET THE FCRA REQUIREMENTS I HAVE SENT ALL CRAs a copy of what is being reported to all three of the CRAs and the only CRA that has complied with the FCRA laws and my right to a Fair accurate consistent and complete credit report was XXXX. They deleted the account due to the factual information being incomplete and inconsistent and inaccurate. I have been harassed at home at my place of business after sending a ceased and desist letter email and verbal warning to collect a debt that has NEVER BE FULL VERIFIED PROPERLY by both XXXX AND EXPERIAN and HAS ALLOWED THIS CREDITOR TO CONTINUE TO REPORT ILLEGAL INFORMATION PAYMENT HISTORY AND BALANCES WITHOUT DOING A PROPER INVESTIGATION BOTH CRAs has a known history to not properly complete a full investigation of what the creditor is reporting and I am a litigation consumer and I will seek legal action if this matter is not resolved. i am requesting that this item be DELETED PERMANENTLY Enclosed is documentation supporting my request : DISPUTE RESULTS FROM XXXX AND BOTH REPORTS AND BALANCES IN WHICH BOTH CRAs statements the balance was updated back in XX/XX/2023 FCRA Violation 15 U.S.C Sec 1681i ( a ) Consistency Accurate and complete information should only be report the the CRAs by law anything that is not consistent complete or inaccurate is to be PERMANENTLY DELETED 15 U.S.C Sec 1681i ( a ) THIS ACCOUNT IS IN VIOLATION OF THE LAW DELETED PERMANENTLY this negative item does not meet the FCRA Requirements Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$650.00} 1

5 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (MD)

Received a letter dated XX/XX/23 signed by Attorneys for Midland Credit Management , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : XXXX XXXX XXXX. I have never done business nor have had accounts with this institution. 

This is a fraudulent attempt to collect money.
Consumer complaint received 2023-07-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (VA)

I had submitted a complaint about not being able to get proper insurance for my home. I cancelled said policy 's after discovering they were not accurate. I did this within a 48 hour time frame. XXXX sent me a letter confirming that afterwards saying that they received a policy but could not change it unless I authorized the change. Then I received a letter from them saying they had sent money to the company and it would be taken out of my escrow. Even though I never confirmed the insurance change. Before I could not get them to send the check and now they sent the check to XXXX without my knowledge. I did call XXXX and explain the situation with truest and inform them that I never received a refund check nor did I want one mailed to my house. They confirmed that the check was never cashed. And said they would return it to truest electronically. I do have a reference number but unfortunately it is all packed up because I have to move out of my family 's property. I will sell it just to prevent any further dealing with XXXX. Also the payment made in full with XXXX on XX/XX/XXXX has not been reflected on my account as of XX/XX/XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION refuses to update XXXX paid charge-off accounts. On XX/XX/2021, I recorded Transunion XXXX XXXX on a recorded line verifying that the XXXX and XXXX accounts both have a " XXXX '' balance. After nearly XXXX minutes of conversing, Transunion agent refused to process my dispute or give me a confirmation number ( XXXX ) for my dispute. 

Transunion refuses to update the statuses correctly and has really caused my credit scores to suffer and credit denials to rise. 

In XX/XX/2021, I voluntarily paid XXXX chargeoff account XXXX XXXX and XXXX chargeoff account XXXX, in full. Since then, I have contacted XXXX & XXXX in vain on numerous occasions requesting that they either update their inaccurate data ( chargeoff status still remains ) or delete the account ( it is now paid in full ) that is currently reporting to the credit bureaus. 

Both companies have sent information that they are indeed reporting the status correctly.
Consumer complaint received 2023-07-17
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: CITIBANK, N.A. (MI)

Between XXXX and XXXX XXXXXXXX XXXX took money from my CITICARDS CBNA XXXX credit card account. I informed CITI that I did not authorize this transfer of money! They did any way So I closed he account in XXXX over 7 Years ago! 
The account is still on my cred report! of XXXX.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. 
In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.
Consumer complaint received 2022-12-26
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. (CT)

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not permit information 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 any other adverse items 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 so has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

Good morning. My name is XXXX XXXX and I'm inquiring about being put into collection from you all. The reason I'm asking is because we were never supposed to be penalized for moving out due to it being a major leak and a roach infestation in our apartment. We lived in the exact same building that had the fire in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have all the photos of when the apartment flooded as well as the photos of the roaches crawling around all the time. It was approved for us to move out in XXXX due to you all not having another apartment ready for us to move in and we couldn't stay in unhabitable apartment because of our XXXX XXXX old son. The flood was the last thing to happened. We had been complaining about the roaches from the time we moved in. You all had someone to come out and spray but that didn't help because it was an infestation in the building. Concerning the flooding, it was in the dining room, kitchen, living room, our baby nursery and the entry way. It caused the light domes to cave in and fall from the ceiling in our son room. We had to move out temporarily when it happened and we weren't compensated for any of that or any of our stuff that was damaged. When we came back there was mold/mildew which is when we made the decision to move out the apartment due to us getting the run around about moving into a different apartment. Also lastly I don't understand why if all of this happened in XXXX why you waited until XXXX after the fire to reach out to us when we have repeatedly tried to contact you before and after we moved out about any reimbursement?
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The items found within my credit report that I listed on the attached FTC report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts and unauthorized inquiries. All is being investigated by the FTC. Please see the attached report along with the XXXX data breach claim and remove the following accounts and inquiries from my credit report.
Consumer complaint received 2020-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (IL)

I stopped using the account towards the end of 2019 but it remained open. I didnt realize some transaction must have caused my account to have a - {$10.00} balance. I realized that in XXXX and initiated a transfer from my primary account for the {$10.00}. That was sent on XX/XX/XXXX. The account was actually closed on XX/XX/XXXX. Additionally a deposit was attempted by the IRS on XX/XX/XXXX in the amount of {$1200.00}. 
I began contacting the bank Simple ( BBVA Compass ) on XX/XX/XXXX to ask if there was anything that I needed to do since that account was closed. I was initially instructed that the process to return the funds often took XXXX business days. After XXXX business days I called Simple back because I did not see the funds back in my primary account XXXX XXXX XXXX. I was instructed that the funds had been retuned and I needed to contact XXXX. I did, they indicated that they had not received the funds back and they couldnt do anything until they received the money back from Simple. Ive called Simple several times to be told there is nothing that can be done, they dont have the funds and would have bounced back to the sender. I have also sent support messages so that some of the interactions are documented. On XX/XX/XXXX I spoke to someone at the IRS who was able to place a trace on the deposit and found that it was sent to Simple and not returned to the IRS. On XX/XX/XXXX I contacted Simple again to let them know that the trace had been completed and to ask for some assistance in locating the payments. I spoke to someone named XXXX who was incredibly rude and just hung up on me while I was explaining the situation.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (AR)

I was trying to trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX XXXX {$10000.00}
Consumer complaint received 2021-12-01
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 contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX regarding an XXXX dollar charge off on my credit report from an auto loan I had with them years ago. Account was considered paid in full on XXXX, XXXX, XXXX. I was told by the representative to send in disputes to Experian and XXXX. I sent in disputes through the mail with Experian and XXXX. XXXX has not responded yet. Experian responded that they could no dispute the charge since the account was paid in full and is considered " closed '' On my credit report, it shows a XXXX dollar " charge-off '' amount putting a negative impact on my XXXX XXXX. 

To go into detail, I was in a car accident in XXXX and the amount that insurance did not cover for the rest of the loan was on us. XXXX XXXX XXXX XXXX agreed with a payment-plan to get the rest of the amount owed paid off, which was {$1300.00}. There was never a late payment recorded either. 
My credit and ability to go get a new car is impacted by a {$0.00} charge off, which is ridiculous. Dealerships automatically think I had my car repossed with this on here.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Bank Of America Credit Card. I presently have a large negative credit card balance due to XXXX credit refunds totaling {$3900.00} XXXX XXXX airline tickets refunded ) of which I requested a refund on XX/XX/2020 of which the customer service rep stated he would have deposited in my bank account. I was told it takes XXXX to XXXX days to transfer. Today, the refund had still not shown up in my checking account The gentleman I spoke to XXXX XXXX XXXX, Texas XXXX of XXXX XXXX for Bank of America XXXX stated it could take up to XXXX billing cycles to get this refunded. He stated it was policy even though other representatives had told me different. The refunds were issued on XX/XX/2020 by XXXX XXXX. Today with everything being electronic I can understand XXXX to 6 days but not XXXX billing cycles that my money is being held. XXXX CFR XXXX - Treatment of credit balances ; account termination states : ( ( XXXX XXXX Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ). Bank of America received my oral request and accepted that request on XX/XX/2020. They need to deposit my refunds in my bank account as I requested.
Consumer complaint received 2020-05-29
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)

FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

Hello, XXXX XXXX sold my debt to LVNV Funding LLC. I received a letter from XXXX XXXX after filing a dispute that the account should not have been in collections and as a result they removed trade line from my credit. They also stated that I should reach out to LVNV Funding to explain and provide the letter so that they can cancel the trade line. LVNV refused to acknowledge what happened and refused to do anything about it. I would like for the LVNV to remove the trade line off my credit.
Consumer complaint received 2019-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

Disputed inaccurate accounts to Experian on XX/XX/XXXX Report # XXXX Accounts Fraudulent and Duplicate Reporting. 

XXXX / XXXX XXXX XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Was opened fraudulently and is also being reported multiple times with same account number and different open dates. Reported Also as : XXXX XXXX XXXX  XXXX Acct # XXXX. {$610.00} Opened XX/XX/XXXX Also Account Name XXXX  XXXX  XXXX/XXXX   XXXX   Account Number XXXX Opened XX/XX/XXXX. 
{$430.00} Account opened fraudulently and is also being reported multiple times. Reported same account buy changed last digit of account number as : Account Name XXXX  XXXX  XXXX/XXXX  XXXX  Account Number XXXX Opened XX/XX/XXXX. 
{$430.00}
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

XX/XX/2021 Dear Sir or Madam, I contacted Bank of America about this issue twice on XX/XX/2021. This called started at XXXX XXXX EST. The last agent I spoke with was XXXX Agent IDXXXX. He stated to me that although the XXXX and other companies such as XXXX and XXXX insta-payments are not valid even if it shows in the account on online banking. They only do business XXXX for instapayments. However, instapayment definition and Bank of Americas definition was not clearly stated in my contract. This needs to be clarified for all consumers. Additionally, there was another issue with a refund that has not been processed from XXXX for {$55.00}. Had it been processed the deposit would have never been an issue and my bill would have been paid. I am given promises and they are not fulfilled and the bank charges me fees, as well as cause issue with the credit card companies who payments are affected. Additionally, when asked to waive the fee, due to the misinformation/confusion coupled with the delay refund, it was denied. Additionally, I have a concern about someone calling the bank around XXXX XXXX and discussing my account information and asking for a refund. I did not make this call to bank of America either. I have contract concerns, as well as security concerns. Lastly, BOA executive department never followed up with me about my previous concerns. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2019-06-27
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: Midwest Recovery Systems (CA)

XXXX alerted me to collection on credit report. 
Called all 3 credit reporting, XXXX XXXX & XXXX to file dispute on Midwest Recovery Systems. 
Never heard of original creditor XXXX XXXX, nor Midwest or debt. 
Phone numbers to contact Midwest do not ring. Only dead silence. 
After reading XXXX complaints learned this is their common practice.