davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX, TX XXXX and there is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX. 


Please keep in mind th

at Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have m
y written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-04-17
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (TX)

I reached out to southwest credit systems regarding a debt they are trying to collect for a company called XXXX. I sent a certified letter to them requesting a validation of debt, State the amount of the debt when you obtained it, and when that was, if they had gotten this from another collection agency, the statute of limitations on the debt, their companies debt collection license, and requesting the copy of the contract bearing my signature only thing the company returned was a list of charges by XXXX  that does not supply my signature or consent or any of the other important information I requested. This company is illegally reporting this debt to my credit without proper debt validation and I need this removed immediately.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PR)

On XX/XX/2023 someone use my Citi The Home Depot account and make some purchase I did notice and place a claim, without the proper authorization The Home Depot mail to my home address a new replacement card and they did not take the appropriate precaution and mail the replacement card already active, due to that someone went I did three purchase with the following amounts. XX/XX/2023 {$1000.00} XX/XX/2023 {$440.00} and XX/XX/2023 {$250.00} those stores was in the east side of the XXXX XXXX XXXX a store that I had never ever visit to do my purchase, I did claim that those transaction were not my and frauded transaction and they continue saying that I am responsible. They told to send a letter complaining and I did in XX/XX/2023 and still has not receive any response. See letter and all the documentation on which I think is not fair to make me pay for something that I am not responsible in matter fact the credit card arrive in XXXX XXXX XXXX  an those transaction were make a week before. See all documentation that I sent.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XXXX/XXXX/XXXX NO CONTRACT WITH XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (AZ)

I have been trying to get my credit card for an account I opened with Citi Bank for months now. I used the card for a balance transfer when I opened the account, and I've been calling weekly and have been told a different reason every time as to why I haven't received my card. I have also been told weekly that I haven't missed any payments and don't have any due until XXXX, which i found out today were blatant lies and when trying to pay the card they re routed my to the system asking for my card number. When i asked how i could make payments without my card I was told " call the number on the back of your card '', and every verification system they have requires the card they wont send to me, so now apparently i might have late payments and they are not providing a single way that I can actually make them. I also have no way to access my account and even see my payments without my card.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX I noticed my bank of america checking account had a balance of XXXX and immediately called the bank. The rep alleged there had been irregularities on the account that needed to be investigated and so the account had been frozen. They did not provide any details about the said irregularities and would n't indicate when the investigations would begin or end, so I had no idea when I would be able to access my funds. 

I went into a local bank to see if I could get any more information and a bank staff theorized it may have been an issue with a check deposit someone made in my account a few weeks back, but he could n't say for sure. Around XXXX, I get a letter in the mail that my credit card account with bank of america had been closed, and I needed to pay off any balance, which I did immediately. Again, I called the bank to find out what was going on with my checking account and now my credit card and got no explanation. 

Today, XXXX, I get 2 letters in the mail from bank of america. One containing a check for my balance prior to the account freeze and the other a letter stating my account had been closed following a 'careful review of my account '. There was no rationale provided, instead, a threat stating the bank may report the account to chexsystems or early warning services, which may affect my ability to open another for 5 years. 

Both my checking and credit card accounts have been in good standing since I opened them with the bank. I have neither missed a credit card payment, nor, to be best of my knowledge, have I been overdrawn or delinquent with my checking account. While I understand the bank has a right to close their account the same way I do, they held my money hostage for over a month and eventually closed my account with no explanations. They did not even have the decency to apologize for any inconvenience caused by denying me access to my funds for over a month. Instead, they chose to threaten to adversely affect my life for the next 5 years, without ever explaining the rationale. 

I also understand the bank my not be required to provide a reason for closing my account, but I need to understand how I can be sure they are treating me fairly, and not targeting me for some reason.
Consumer complaint received 2017-12-28
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. (UT)

Hi i am trying to get these account listed below off my credit due to being open fraudulently which i have never open these accounts. and also disputing a bankruptcy thats not mine public record is XXXX XXXX bankruptcy 1. XXXXXXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX ( 2 ) accounts 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX 7. CXXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX 9 XXXX XXXX XXXXt ( 4 )  accounts 10. XXXX XXXX XXXX 11.XXXXt XXXX XXXX ( 2 ) accounts 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14.  XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXXXXXX XXXX 16. XXXX XXXXXXXX XXXX 17. XXXXXXXX XXXX 18. XXXX XXXX XXXX
Consumer complaint received 2017-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (WI)

I received a notice from Commonwealth Financial about a Medical Bill. I disputed it in XXXX & they sent a Itemized Bill. That is a Direct HIPPA Violation because it does not bare my Signature. I have sent them my Insurance Card & Policy with XXXX XXXX XXXX XXXX XXXX XXXX, as well as XXXX XXXX being I had Health Insurance with my Employer XXXX XXXX at the time. Be mindful I spoke with XXXX with CWF on XXXX/XXXX/XXXX who stated the Account was Closed & it would be deleted within 30 Days & is now going into 60 Days. Please resolve this issue my next step is to file a Lawsuit. I am keeping track of when you receive this & who I spoke to.
Consumer complaint received 2017-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX
Consumer complaint received 2017-12-28
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. (LA)

the credit bureaus are required to have a copy of my signed agreement/contract in their procession. When report accounts to my credit file. Based on FCRA SECTION 609. The bureaus don not have the required documents as set by law, to report. The reporting violations carry a of {$1000.00} per violation and also additional damages. the account have been reported and the credit bureaus, have been harmed me, by not validating the debts and not having the required, documentation, before report and to this date. The documents are not in their procession. The following accounts have been reported in violation : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX {$210000.00} balance.
Consumer complaint received 2017-12-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I applied in 2012, after recently paying my original car loan off. I received less than {$2000.00}. I paid every month. Until onr day I woke up and my car was n't in my driveway. After calling the police. I was told that it was repoed. I tried many many many times to contact this company. Only one time was able to speak to someone. I was n't given any info other than being screamed at. I was told to pay the total amount due. Almost 8 thousand dollars. I has no idea what to do. I was devastated. I let my car go. Here I am almost 6 years later. I have rebuilt my credit and I diligently been working on building credit. Obviously I noticed the company was in my report. I tried to dispute these charges. They are saying it is still open. Showing month after month late payments. I have not from day one of them taking my car have received a letter. I 've had the same phone number for 15 years. I also have the same mailing address. The amount the are claiming is wrong. I paid every month. Unfourtantlytly for myself I paid via cashiers check. I do n't have access to them. I do n't understand how they are making claims of any amount they want and it 's on my credit. I got this loan for a very minimal amount. I got this loan so that my credit was n't checked. I knew then that I had prior debt from years prior. I was never taught the importance of credit. I have taught myself along with my children over the last 6 years. In almost finally debt free. I have worked so hard to recover from bad lessons. Now that I am trying to build credit. I cant because this company is reporting so many things that are fraudulent. Can someone explain how the do n't check credit, take your car, and then make up any amount they want and them report it to your credit. I need help. I want to be a home owner. I actually would like to rent a home for that matter. This is crazy. I 'm almost homeless and ca n't do anything because they obviously can do whatever they want. I never signed anything with any type of disclosure of their ability to make claims of amounts of any dollar amount. Nor did I receive a final notice or interest rates.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

XXXX 2017 I filed disputes with XXXX and XXXX. 
Convergent verified the alleged account with both credit reporting agencies and ignored my written letter of dispute. 
I presently have XXXX and have had service with them for over 2 years now. my account is current. I do not owe any past due balance .nor have I had a prior account with them. I have no idea what the alleged charges are for. contacted XXXX and no records reflect any such account associated with me. thus convergent is reporting false unverifable information that must be immediately removed. I am incurring damages and will pursue legal action if this agency refuses to remove this inaccurate data in it 's entirety..
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (NC)

XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.
Consumer complaint received 2017-12-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

Call XXXX to ask about why my payment was not being pulled out after I called they told me that I have to finish my recovery repayment plan, I was told that now I have to start a new payment plan with their company call Navient and based on my income I have to pay exactly what they say even though me and my wife both have to pay back student loans to do two different companies I explain to them that my budget is pretty maxed and I needed to go a different route to get away lower payment when I was paying the recovery payment plan I was able to pay five dollars for now Navient raise my payment to be around XXXX after calling multiple times and asking for more assistance on flexibility to least give me down to {$50.00} a month something I can actually afford they basically told me to kick rocks saying that I was going to become delinquent if I can not set up a payment plan that they basically choose for me with no options at all if you can help me sort these things out he seems a little abusive just because he look at my income they decide on how much I can pay that and knowing how much I actually need to survive month to month The only reason Im complaining because they have not given me the option for flexibility to basically acting like a dictatorship